Which Payment Gateway can I use for an E-commerce Business in the UAE?

Congratulations on deciding to enter eCommerce, or upgrade the e-commerce offering of your business.

We've covered what you need to consider when choosing an e-commerce platform. We’ve also created a handy guide to choosing between hosted and self-hosted eCommerce shopping-cart solutions.

Now let's look at suitable payment gateways for companies in the United Arab Emirates (UAE).

The Payment Journey

It’s all very well having a beautiful e-commerce website, but how do you get paid? How convenient and easy is it for your customers to pay for your goods or services. A seamless and secure payment journey is vital for the success of your eCommerce business.

Not all shopping carts and payments gateways are supported in the U.A.E. Which solutions are available and which ones are suitable for your business in particular?

Payment Gateways

A payment gateway is a technology that truly transforms your internet presence into a functioning online shop. It's essentially a third-party between merchants and customers that securely take the money from customers and send it to merchant's' bank account. A payment gateway is a virtual equivalent of a physical point-of-sale terminal that located in most of retail outlets.

Based on research and experience we've created some convenient comparison tables for the following payment gateways that are supported into the UAE:

By looking at the following criteria:

  1. Support in U.A.E. and globally
  2. Pricing structure
  3. Supported shopping-cart platforms
  4. Available payment methods
  5. Integration options

1. Supported Countries 

Gateway U.A.E. Global Comments
Telr Yes Yes One of the most recommended options in the Middle East.
Payfort
(bought by Amazon)
Yes The Middle East primarily  
2Checkout Yes Yes One of the most stable options. Used in a vast number of businesses worldwide.
PayTabs Yes Yes An excellent option inside the U.A.E.
Checkout Yes Yes  
Cashu Yes No Dubai-based service. Not a highly recommended option compared to the others.
PayPal Yes Yes For the U.A.E., you can send and receive payments, withdraw from your PayPal account to a U.S. bank account and in addition, withdraw to a credit or debit card.
Stripe Not yet, but is coming. Getting there See stripe.com/global

2. Pricing Structure

As of June 21 2020

Gateway Set-up Cost Per Transaction Cost
(Per Transaction rate is the percentage of total payment amount plus any additional amount.)
Monthly Cost      
Telr Entry Plan
AED 0 – 20K monthly volume
Free Free AED 349       
Telr Small Plan
AED 20K – 50K monthly volume
Free 2.69% + AED 1.00
(For every successful transaction, it will take 2.69% of the total payment plus 1 AED additional.)
AED 149      
Telr Medium Plan
Above 50k monthly volume
Free 2.49% + AED 0.50 AED 99      
             
Payfort Free 2.94% + AED 1.84 AED 420      
             
2Checkout 2SELL Free 3.5% + AED 1.28 None      
2Checkout 2SUBSCRIBE Free 4.5% + AED 1.84 None      
2Checkout 2MONETIZE Free 6% + AED 2.2 None      
             
PayTabs Start-Up
up to $ 2000
Free None AED 183.50      
PayTabs Growth Plan
over $ 2000
Free 2.7% + AED 1 None      
PayTabs Enterprise
over $ 100,000
See paytabs.com/en/enterprise-plan/      
             
Checkout Free 2.9% + AED 1.10 None      
             
Cashu Free 2.5% + AED 2.00 None      
             
PayPal Free 2.9% + 1.10 AED None      
             
Stripe Free 2.9% + 1.10 AED None      

3. Supported eCommerce Shopping-cart Platforms

Gateway Shopping-carts Comments
Telr • Woocommerce
• Shopify
• Magento
• OpenCart
• Prestashop

Almost all payment gateways provide plugin options to WordPress platforms like WooCommerce.


Shopify and Magento are big players and support almost all major gateways.


Shopify has its own payment gateway (Shopify Payments) powered by Stripe.

Payfort • Woocommerce
• Shopify
• CS-Cart
• Magento
• OpenCart
• Prestashop
PayTabs • Woocommerce
• Shopify
• CS-Cart
• Magento
• OpenCart
• Prestashop
2Checkout Almost all E-commerce platforms 2checkout.com/online-shopping-carts/
Checkout • Woocommerce
• Shopify
• Magento
• Prestashop
 
PayPal • Woocommerce
• Shopify
• Magento
• Squarespace
• Wix
• Bigcommerce
• Webflow
 
Stripe • Woocommerce
• Shopify
• Magento
• Bigcommerce
• Opencart
• Squarespace
• Webflow
 

4. Available Payment Methods

Gateway Payment Options
Telr
  • Visa
  • MasterCard
  • American Express cards
  • N.E.T. Banking (Indian banks)
  • SADAD (Saudi Arabian banks)
Payfort
  • Visa
  • MasterCard
  • Apple Pay
PayTabs
  • Visa
  • MasterCard
  • American Express cards
  • Mada
  • Stc pay
2Checkout
Checkout
  • Visa
  • MasterCard
  • American Express cards
  • Apple Pay
  • Google Pay
  • PayPal
  • Mada
  • Alipay
  • QPay
PayPal
  • Visa
  • MasterCard
  • American Express cards
  • PayPal
  • Maestro
Stripe
  • Visa
  • MasterCard
  • American Express cards
  • Discover
  • Maestro
  • J.C.B.
  • Apple Pay
  • Google Pay
  • Alipay
  • Microsoft Pay
  • Visa Checkout
  • Masterpass by Mastercard

5. Integration Options

Gateway Integration Options
Telr Three different methods:
  • Telr will Host the payment gateway:
  • Customer will redirect to Telr to make the payment. After payment, they will return to the website.
  • iFrame method:
  • Incorporate the checkout page into our website using an iframe and applying our CSS to the form.
  • Complete integration of payment form to our website. This requires us to be PCI DSS certified
  • (Payment Card Industry Data Security Standard).
  • Plugin option for Magento, Shopify, WooCommerce, Opencart, PrestaShop etc.
Payfort

Checkout methods:

  • Merchant Page (pay from a website without redirection)
  • Tokenisation (substituting card details with a token).
    Tokenisation API enables the merchant to store the Customer’s credit card details in a safe and secure environment substituting the Customer’s sensitive card details with a non-sensitive equivalent referred to as a Token. You can use the Token in processing new transactions for users without the hassle of entering the card details across multiple channels

Integration:

  • ONE API - API Integration
  • via Plugins
PayTabs
  • Plugins
  • Express Checkout
  • No redirection. Checkout process for online shoppers which keeps them on the merchant’s website while making a payment and even after the payment is complete.
  • Direct API
2Checkout
  • API Method
  • iFrame method
Checkout
  • Iframe
  • Embed iframe payment form on our website. Payment gateway will process the payment by exchanging token.
  • Checkout.js
  • A widget that sits on our website checkout page and processes the payment.
  • API
PayPal
  • HTML Button method for small scale businesses
  • API Method for medium businesses
Stripe

If taking your business online is still a question for you, consider that:

According to Statista: The UAE is the leading e-commerce market in the GCC. A primary accelerator of the e-commerce market is the mobile internet segment. Consumers in the UAE use their smartphones in various ways as an online shopping tool. According to a survey, 44 per cent of U.A.E. respondents used their smartphone to pay for their online shopping. Around a third of UAE respondents used their smartphone to review products they planned to purchase online. And more than 40 per cent have used their smartphones to compare competitor prices during their online shopping. 

Armed with knowledge about what to consider when choosing your eCommerce solutions, which shopping-cart platforms fit the bill and the most suitable payment gateways for your needs, you can now go forth and conquer the world of online commerce.

If you need a Dubai-based digital agency to help you, connect with us. We're a boutique web design & digital marketing agency with over 16 years of experience connecting businesses, brands and users alike.

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