Top 7 Payment Gateways for E-Commerce in the UAE

• Posted on 11 November, 2025
• by Gilbert Sakr
• in Business Setup
• 182

Read Carefully

Do your customers abundant their carts at the checkout? This is probably due to an untrusted and slow payment gateway.

If you are reading this blog then you surely agree with my observation that this payment gateway issue is what is making your e-commerce suffer in the UAE.

As you know UAE is growing through the online market and definitely it’s all about your payment gateway which is deciding whether you’re losing one sale or closing it perfectly.

Let’s find out which of the online payment gateway — ADCB, Telr and Network Payment Gateways for E-Commerce in the UAE, can create customer trust and positive approval for your e-commerce store in the UAE.

In this blog, we will learn about the best options for payment gateway in the UAE and its approval method for trustworthy checkout experience.

Best Payment Gateways for E-Commerce in the UAE

Online, Online and Online… This is where you are searching for a successful online sale. One secure click is what develops trust between customer and seller.

In the UAE, this process runs through trusted acquirers and gateway providers like Network International Payment Gateway, all these are regulated under Central Bank providing security and transparency.

Well, what makes your UAE payment gateway system grow unique? It is due to global technology that comes with instant settlements and local compliance in the UAE.

You might appear curious about business setup connectivity, then you should read UAE e-commerce license guide for complete insight.

Top 7 payment gateways for e-commerce in the UAE

Perhaps, to the question which payment gateway is trustworthy for business growth in the e-commerce of UAE, the answer to this lies in the following points:

• Network international: Network International is backed by Emirates NBD that ensures fast payout and local transactions.
• Telr Payment Gateway: Telr is ideal for SMEs as it is available with quick onboarding at low set up cost.
• PayTabs: PayTabs offer regional payment with multi-currency support and robust API features
• Checkout.com: Checkout.com is suitable for fraud protection and suitable for providing global reach to enterprises.
• Stripe UAE: Stripe is developer-friendly and provides optimization of digital businesses in Dubai.
• ADCB Payment Gateway: ADCB provides reliable bank-integrated service with active compliance assurance.
• Amazon Payment Services (Payfort): APS Payfort is a major brand that ensures scalability and stability for e-commerce.

Therefore, for your e-commerce in the UAE you can achieve proper conversion, compliance and trust from the go-to-list of payment gateways above.

Payment gateway that suits your business model

You might ask this question: why are some UAE e-commerce struggling and some are scaling fast? All these are happening only due to payment methods.

There are factors that turn this decision-making smarter and that is how you can also choose the ideal payment gateway for your e-commerce model.

Factors	Cheapest Payment Gateway UAE	Premium Payment Gateway
Pricing	Transaction fees and low setup.	Added reliability with higher cost.
Integration	Basic plugins like Magento and WooCommerce.	Analytical tools and seamless APIs.
Settlement time	3 to 5 business days.	Same or next day payouts.
Security	Basic encryptions.	PCI-DSS & 3D Secure protection.
Best for shopify	Telr, Network International with easy approval.	Stripe UAE and Checkout — scalable.
Best for	SMEs and startups.	E-commerce brands.

Well, these factors smartly define business growth and customer trust. Now it’s up to you which one factor influences you most for your e-commerce growth.

I would like to give you one personal suggestion that make sure to align the factors properly with your business model that can ensure compliance-based trustworthy and e-commerce scalability

How to get approved for a payment gateway in the UAE?

1. Register your business license – At first, you need one UAE trade license either registered under free zone or DED.
2. Open a business bank account – Once the license is ready, you must open one business bank account with proper verification and settlements.
3. Prepare one KYC document – Submit your passport copies, bank details and trade license for KYC documentation.
4. Verify your website – With the completion of KYC documentation, you need to verify your website with clear contact info, refund policy and SSL security.
5. Meet compliance standards – It is necessary to follow compliance standards under anti-fraud requirements and PCI-DSS.
6. Apply gateways – Telr Payment Gateway and Network Payment Gateway UAE provide faster approval with proper submissions.
7. Avoid rejections – Make sure you thoroughly verify your website content and the paper work to minimise chances of delay and rejection.

Following these steps can help you establish your secure e-commerce payment gateway with legal approval in the UAE.

Checkout solutions and payment links for UAE business After all these, you are probably confused about which UAE payment gateway will be ideal for your E-Commerce business.

Let me simplify it for you — whether you are a freelancer, growing brand or any e-commerce startup, these particular platforms will be suitable to provide you unique benefits with your choosing payment gateway in the UAE.

Payment Gateway	Best for	Type	Key features	Cost insight
Telr	SMEs and startups	Payment links + checkout	Quick integration and fast approval.	Low set up and small transaction charges.
PayTabs	Regional sellers and freelancers	Payment links + multi-currency	Strong API with Arabic support.	Free set up availability.
Network International	UAE brands	Checkout gateway	Quick settlement and local banking.	Standard fees and Bank linkage.
Checkout.com	Big enterprises	Advanced checkout	Global coverage and analytics tools.	Premium pricing.
Stripe UAE	Global stores and developers	Checkout gateway	Flexible APIs with billing facilities.	No setup and only transaction-based cost.
ADCB Payment Gateway	Corporate merchants	Bank-integrated	Secure and reliable transactions.	Standard Bank fees.

Read more about UAE e-commerce setup guide to connect all the dots among banking, licensing and payment features.

Cost for cheapest and suitable options for startups

Now is the time — Be professional! When you talk about business, the right cost and investment come first.

Here is a quick cost breakdown that can ensure affordability and secure payment gateway plan for your e-commerce in the UAE.

Payment gateway	Setup fee (AED)	Transaction fee (Loc/Intl) %	Monthly maintenance	Ideal for	Offer and free trials
Telr	0-500	2.49 to 3.49	None	Shopify and startup stores	Zero cost setup available.
PayTabs	0	2.85 to 3.75	None	Small stores and freelancers.	Integration trial for free.
Network International	1000+	2.5 to 3	AED 100 to 200	Established SMEs	Discount in bank packages.
ADCB Payment Gateway	500-1000	2.75 to 3.5	Depends on monthly utility	Bank-linked businesses	Free setup with ADCB account.

With your permission, I would suggest going for PayTabs or Telr as you can see both provide your affordability without impacting your security and trust factors.

Conclusion

By now, I am sure that you have understood how to make the right choice for UAE Payment Gateways for E-Commerce system for your business in 2025-2026.

Now the goal is clear and simple: payment security, simple operations and assurance of business scalability — it’s all you need for your e-commerce payment gateway in the UAE.

Make sure that one reliable gateway is enough to achieve an uninterrupted growth and customer trust for your e-commerce in the UAE.

Whether you choose ADCB, Telr or Network, make sure that your e-commerce target, compliance requirement and customer experience aligns well.

Definitely you require someone to answer all your queries now — then click this How To and talk to us.

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