Best Online Payment Gateways in UAE 2025: Ecommerce Businesses

If you're running an e-commerce business in the UAE, having the right payment gateway can make or break your customer experience. Shoppers expect smooth, secure and flexible payment options, and if your checkout process is clunky or limited, you're likely losing sales. With the online market here growing fast in 2025, there’s no room for friction at the final step.

This guide breaks down the top online payment gateways in the UAE right now. Whether you’re just getting started or looking to upgrade, these platforms offer solid features, reliable support and the kind of payment flexibility that helps you stay competitive.

Growth of UAE's Digital Economy

The UAE’s digital economy is growing at an impressive rate, driven by rapid technological advancements, government initiatives and a strong focus on innovation. As the region’s e-commerce and fintech sectors boom, businesses are increasingly embracing digital solutions to stay competitive. The government’s Vision 2021 and the recent UAE Digital Economy Strategy aim to diversify the economy and place the country at the forefront of digital innovation.

The rise of e-commerce in the UAE has been a major catalyst for this growth. With a high internet penetration rate and tech-savvy consumers, more people are turning to online shopping, creating huge opportunities for businesses. The growth of digital payments is also a significant part of this shift. More people are opting for seamless, secure and convenient online transactions, which has prompted businesses to adopt advanced payment gateway solutions to meet this demand.

As the UAE continues to build its digital infrastructure and expand the reach of its e-commerce ecosystem, the digital economy is expected to play a crucial role in the nation’s future growth. With the increasing number of startups and global companies setting up shop in the UAE, the future of its digital economy looks promising, providing even more opportunities for businesses and consumers alike.

Best Online Payment Gateways in the UAE

In the dynamic landscape of e-commerce in the UAE, selecting the right online payment gateway is crucial for business success. As of 2025, several payment gateways stand out for their features, security and adaptability to the UAE market. Here's an overview of some of the top options:

Amazon Payment Services

Amazon Payment Services (APS) is one of the most trusted online payment gateways in the UAE, especially popular with startups and growing ecommerce brands. It used to be called Payfort before Amazon took over in late 2020. Since then, it’s built a solid reputation for being secure, efficient, and easy to integrate with online stores. APS is great at handling both local and international payments and supports over 100 currencies, so it’s ideal if your customers are spread across different regions. It also connects with local payment methods and digital wallets, which is a big plus in markets like the UAE. Their fraud protection is powered by machine learning, helping reduce risk while keeping things smooth for your customers. Plus, the pricing is straightforward, with no setup fees and the option to scale as your business grows.

Key Features:

Accepts global payments with local transaction fees.
Supports 100+ currencies and popular digital wallets.
Machine-learning fraud prevention.
Tokenized card storage for returning customers.
Flexible installment options for buyers.
No setup or integration fees.
Simple pricing with a custom plan option for high-volume businesses.

Best for:
Ecommerce platforms, startups and growing businesses in the UAE looking for a reliable, secure and scalable payment solution with strong local support.

CashU

CashU is one of the earliest online payment solutions to come out of the UAE and has since built a solid presence across the Middle East and even parts of Europe. Known for its strong focus on security, CashU gives both businesses and customers peace of mind during transactions. It’s designed to reduce payment risks and prevent fraud, making it a trusted option for e-commerce platforms. Setting it up does involve an initial fee and a refundable deposit, plus a yearly charge based on your total sales. But the maintenance cost is minimal, and it’s one of the most affordable in the market. With several integration options, including standard, premier, and API, it offers enough flexibility for businesses to choose how they want to handle payments. CashU also supports MasterCard’s virtual credit card service, which adds another layer of convenience and reach.

Key Features:

Strong fraud protection and secure transactions.
Low yearly maintenance cost at $1.
Sales-based annual fee.
Supports MasterCard virtual credit cards.
Multiple integration options: standard, premier and API.

Best for:
E-commerce stores, digital product sellers and businesses targeting customers in the Middle East who want a secure and trusted online payment method.

CCAvenue

CCAvenue is one of the most trusted payment gateways used across the UAE, especially by businesses looking for solid security, flexible pricing and smooth integration. Originally launched in India, it's grown into a go-to option for UAE merchants who want a dependable way to handle online transactions. What makes it stand out is how easily it fits with popular e-commerce platforms and the different checkout options it offers, from hosted billing pages to direct integration. While the monthly fee for the popular plan sits at AED 200, there's no setup cost, and you get 24/7 customer support and strong anti-fraud protection. It’s also designed to scale with your business, whether you’re just starting out or managing high-volume sales. CCAvenue is all about making payments simple and secure, so you can focus on growing your store without worrying about tech headaches.

Key Features:

No setup fee for standard plans.
AED 200 monthly maintenance (for the popular plan).
Transparent per-transaction and card charges.
Free 24/7 customer support.
Strong fraud detection tools.
Works with major e-commerce platforms.
Multiple checkout options: hosted billing page, iframe and direct payments.
Supports credit/debit cards, net banking and invoice payments.

Best For:
E-commerce businesses, subscription-based services, online retailers and companies selling high-ticket items that need secure and customizable payment solutions.

Checkout

Checkout.com is a solid option for businesses in the UAE that want reliable, fast, and secure online payments. It's a global payment gateway with strong roots in the UK, but it's made a name for itself locally by offering smooth integration, helpful analytics and flexibility that works well with how people shop in this region. The setup is straightforward, and it supports a range of platforms like WooCommerce, Shopify, Magento and Prestashop. What makes Checkout stand out is how adaptable it is. It scales with your business, whether you're just starting or growing fast. The pricing is transparent too, with models that suit different business types and risk levels. If you're a charity, it even offers free payment processing. For tech-savvy teams, there are flexible integration options, while non-tech users can still get up and running easily.

Key Features:

Flexible integration (iFrame, widget, or full API).
Transparent pricing with no hidden fees.
Advanced fraud prevention tools.
Real-time analytics and reporting.
Supports multiple currencies and payment methods.
Works with major e-commerce platforms.

Best For:

Growing e-commerce brands, large-scale retailers, international businesses and tech-driven startups looking for custom solutions.

2Checkout

2Checkout is a flexible and globally trusted payment gateway that's a solid pick for UAE businesses looking to reach international customers. It supports payments in 15 languages and 87 currencies, which makes it ideal for selling to people around the world. With no setup or monthly fees, it’s a budget-friendly option, especially for small businesses or startups. It works smoothly with major e-commerce platforms and tools like FreshBooks, so integration is simple. Customers can pay using various methods like Visa, MasterCard, PayPal, Apple Pay and more. You can add it to your website using either API or iFrame, depending on how hands-on you want to get. Plus, it offers different pricing plans based on your sales model, whether you’re doing one-time purchases, subscriptions or digital products. Overall, it’s a no-fuss, reliable solution if you want to scale your online business without dealing with complicated setup or high costs.

Key Features:

No setup or monthly maintenance fees.
Supports 87 currencies and 15 languages.
Works in 196 countries.
Multiple payment methods (Visa, MasterCard, PayPal, Apple Pay, etc.).
Integrates with platforms like FreshBooks.
Two integration options: API and iFrame.
Pricing plans:
- 2SELL: 3.5% + $0.35 per sale
- 2SUBSCRIBE: 4.5% + $0.45 per sale
- 2MONETIZE: 6.0% + $0.60 per sale

Best for:
E-commerce stores, digital product sellers and subscription-based businesses targeting international customers from the UAE.

Cybersource

Cybersource is a reliable online payment gateway backed by Visa, making it a trusted name for secure digital transactions. It’s been around since 1994 and operates in more than 190 countries. In the UAE, it’s a go-to option for businesses that want solid fraud protection and a smooth checkout experience. Cybersource supports multiple payment methods including Apple Pay, Google Pay and Alipay, making it flexible for both local and international customers. What sets it apart is its strong focus on security and scalability, which is ideal for businesses looking to grow without compromising on safety. It also handles cross-channel payments, so businesses can manage online, in-app, and in-store payments through one platform. With simple integrations and tools to detect fraud before it becomes a problem, Cybersource makes online payments more efficient and secure.

Key Features:

Cross-channel payment support (web, mobile, in-store).
Real-time fraud detection and alerts.
Address verification tools.
Tokenization and secure customer account protection.
Works with Apple Pay, Google Pay, Alipay and more.
Easy integration with websites and mobile apps.

Best For:
Large retailers, enterprise-level e-commerce stores and growing businesses that need strong fraud protection and global reach.

Noon Payments

Noon Payments is quickly gaining ground as a reliable payment gateway in the UAE and across the MENA region. Built with e-commerce in mind, it focuses on making online transactions simple, secure and fast. What sets Noon apart is how easily it blends into the shopping experience, offering flexible payment methods that suit a wide range of customer preferences. From credit and debit cards to cash-on-delivery, it covers all the bases. For businesses, Noon Payments is easy to plug into websites and apps thanks to its API and plugin support. That means you don’t need to jump through hoops to get it working. On top of that, its clean and user-friendly interface makes the whole process smoother for everyone. It’s a solid choice for retailers who want to offer a seamless checkout and build trust with their customers.

Key Features:

Multiple payment methods including cards and cash-on-delivery.
Easy integration through APIs and plugins.
Clean, user-friendly interface.
Supports mobile and online platforms.
Installment payment options available.

Best For:
Online retailers, e-commerce platforms and mobile-first businesses looking for a fast and flexible checkout solution in the UAE and wider MENA region.

PayPal

PayPal is one of the most recognized names in online payments, and for good reason. It’s user-friendly, widely supported and packed with features that make it a go-to choice for e-commerce businesses in the UAE and beyond. With PayPal, you can accept payments through credit and debit cards, bank transfers or directly from PayPal balances. It’s known for smooth integration with popular platforms like Shopify, WooCommerce and Magento, which makes setup quick and straightforward. One of its biggest strengths is trust; both buyers and sellers rely on PayPal’s strong security measures and buyer protection. It also works well across devices and apps, so customers can pay however they prefer. For businesses selling locally or internationally, PayPal brings global reach, solid fraud protection and flexible tools that scale with growth.

Key Features:

Accepts major credit and debit cards, PayPal balance and bank transfers.
One Touch checkout for fast, secure payments.
Built-in fraud prevention and buyer protection.
Simple integration with top e-commerce platforms.
Mobile-friendly and app-compatible.
Global coverage in over 200 countries.

Best For:
Small to mid-sized e-commerce businesses, freelancers and international sellers looking for a trusted, easy-to-use payment solution.

PayTabs

PayTabs is one of the UAE’s most trusted online payment gateways, known for fast setup, strong fraud protection, and flexible integration options. Launched in 2014, it’s built to help businesses accept payments smoothly while keeping transactions secure. You can get started with PayTabs in less than a day, and it works well with platforms like Shopify, WooCommerce, Magento, OpenCart, Prestashop and CS-Cart. It also offers smart invoicing tools and supports a wide range of local and international payment methods like Visa, MasterCard, American Express, Mada, and STCPay. PayTabs gives you multiple integration options depending on your technical setup, including hosted payment pages, e-commerce plugins, and direct APIs. With several pricing plans to choose from, it's a solid fit for both new and growing e-commerce businesses in the UAE.

Key Features:

Fast setup, live in under 24 hours.
Fraud detection and prevention tools.
Smart invoicing system.
Works with major e-commerce platforms.
Accepts local and international cards and wallets.
Multiple integration options: hosted, plugin, API.

Best for:
Small to medium e-commerce stores, startups and regional businesses looking for a secure, flexible and easy-to-integrate payment solution.

Telr

Telr is a widely trusted payment gateway that’s built for flexibility and ease of use. Headquartered in Dubai and operating across more than 120 countries, it’s a go-to choice for businesses in the UAE that want reliable online payments without complications. Getting started is simple: no setup fees, just sign up directly on their site. It integrates smoothly with popular platforms like Shopify, Woocommerce, OpenCart, Prestashop and Magento, so store owners can get going fast without needing a full dev team. Telr also supports a variety of payment methods including Visa, MasterCard, American Express, Indian net banking and SADAD for Saudi customers. Depending on your business size, Telr offers flexible plans with predictable pricing. For developers and larger businesses, the gateway can be fully integrated with custom design and PCI DSS compliance. It’s built to scale and serve all kinds of shops, from startups to established brands.

Key Features:

No setup fee and simple online registration.
Wide platform support: Shopify, Woocommerce, OpenCart, Magento, Prestashop.
Multiple payment methods: Visa, MasterCard, Amex, Net Banking (India), SADAD (Saudi Arabia).
Three integration options: hosted page, iFrame, or full API.
Tiered pricing plans based on business size.

Best For:
Small to mid-sized e-commerce businesses in the UAE looking for an easy setup, local support and flexible payment integration.

XPay by XStak

XPay by XStak is built for e-commerce businesses that want a fast, secure, and flexible way to handle online payments. It’s PCI DSS compliant, which means it meets top-tier security standards, and it gives you multiple ways to accept payments with ease. You can embed a direct payment page on your website to keep the checkout experience smooth and user-friendly, which helps reduce cart abandonment. For developers, the XPay Fusion API makes it simple to add payment features directly into your site or app. Need to send quick payment requests? The Payment Links API lets you share links through SMS, email, or social media. On top of that, XPay brings advanced tools like one-tap wallets, BIN-based discounts, COD payment options, analytics, and automated emails. It’s easy to set up, integrates well with major platforms like Shopify, and supports a wide range of payment methods to keep your customers happy and your operations running smoothly.

Key Features:

One-tap wallet for quick, secure payments.
BIN discounts for personalized transaction savings.
Federated links for easier COD payments.
Smart analytics to track trends and behaviors.
Automated emails to boost engagement and reduce drop-offs.
Settlement reconciliation for accurate financial tracking.
Real-time onboarding within hours.
Multiple payment options including cards, wallets and BNPL.

Best For:

E-commerce stores using platforms like Shopify, businesses with high COD volume, brands looking for fast setup and flexible payment tools and companies focused on improving checkout experience and customer retention.