UAE Dirham (AED)
Published processing fees and market availability for the UAE Dirham (AED) across 13 gateways, bank acquirers, and payment rails serving United Arab Emirates. Always confirm current rates on the provider's official pricing page.
Regional context & bank acquiring rules: Middle East payments guide · All Middle East currencies
Who serves this currency
All 13 gateways, bank acquirers and wallets serving AED markets, including providers with published AED fee schedules (6) and custom/quote-only processors (7).
Card gateways & processors
| Provider & market notes | Fee schedule |
|---|---|
| StripeDomestic UAE cards; +1% international cards. | Published fees |
| AdyenEnterprise processor (Uber, Spotify, eBay). Interchange++ from roughly 0.6% + fixed per transaction plus scheme fees, custom contract pricing only. | Worldwide |
| Checkout.comEnterprise processor strong in EMEA/LatAm; interchange++ blended rates negotiated per merchant. | Worldwide |
| NuveiMontreal-based global processor supporting 680+ local payment methods across North America, Europe, LatAm and APAC. Custom interchange-plus pricing. | Serves this market |
| PayTabsUAE standard Super Starter plan (no setup or monthly fee above threshold). | Published fees |
| Tap PaymentsUAE Visa, Mastercard, Apple Pay & Amex online checkout. | Published fees |
| MyFatoorahUAE payment links & e-commerce checkout. | Published fees |
| TelrUAE Medium plan (AED 99/mo + 2.49% + AED 0.50); Entry plan has 0% commission up to AED 20k for AED 349/mo. | Published fees |
| Network InternationalLargest acquirer in the Middle East & Africa (parent of DPO Group and PayFast). Custom merchant acquiring and N-Genius online gateway rates. | Serves this market |
| PaymobRegional availability, ask for a quote. | Serves this market |
| GeideaUAE online checkout & payment links. | Published fees |
Wallets & other payment rails
| Provider & market notes | Fee schedule |
|---|---|
| PayPalAvailable to merchants in 190+ countries; receiving capability varies by country. Cross-border fees are higher than domestic. | Worldwide |
| Payoneer Profile →Cross-border receiving platform: local receiving accounts, marketplace payouts and client payment requests in 190+ countries. Not a card checkout gateway. See our full Payoneer profile for the fee breakdown. | Worldwide |
Compare gateways for an amount
This comparison only shows fees we can publicly verify (6 of 13 providers serving AED). Processors and bank acquirers that quote custom or merchant-specific rates are listed under Who serves this currency above.
Enter an amount to compare verified AED rates.
Disclaimer: Comparisons only include publicly verifiable standard rates as of November 6, 2026 and exclude custom-quoted gateways, bank MIDs, monthly plan fees and local taxes unless noted. See all 13 providers serving AED.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (7 additional providers serve AED with custom or quote-only pricing—see all 13 providers above). We never invent figures for custom-quoted processors or bank acquirers. Figures are for comparison only; always confirm your exact rate on the provider's site.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| StripeDomestic UAE cards; +1% international cards. | 2.9%+1% international cards | AED 1.00 | n/a | +1% |
| PayTabsUAE standard Super Starter plan (no setup or monthly fee above threshold). | 2.85% | AED 1.00 | n/a | Same rate |
| Tap PaymentsUAE Visa, Mastercard, Apple Pay & Amex online checkout. | 2.75% | AED 1.00 | n/a | Same rate |
| MyFatoorahUAE payment links & e-commerce checkout. | 2.75% | AED 1.00 | n/a | Same rate |
| TelrUAE Medium plan (AED 99/mo + 2.49% + AED 0.50); Entry plan has 0% commission up to AED 20k for AED 349/mo. | 2.49% | AED 0.50 | n/a | Same rate |
| GeideaUAE online checkout & payment links. | 2.65% | AED 1.00 | n/a | Same rate |
Monthly, plan & setup fees (AED)
8 of 13 offer $0/mo base plans% + fixed fee) and are not included in calculator estimates above. Always verify current plan tiers on the provider's official pricing page.
Card gateways & bank acquirers — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| StripeStandard pay-as-you-go; Stripe Billing / Radar / custom packages optional | No monthly fee | $0/mo | $0 |
| AdyenNo fixed monthly fee, but enterprise minimum monthly invoice typically applies | Bank MID / custom | $0/mo (min. volume applies) | $0 |
| Checkout.comNegotiated interchange++ schedule for high-volume merchants | Bank MID / custom | Custom enterprise contract | Custom |
| NuveiVaries by region & acquiring package | Bank MID / custom | Custom / quote | Custom |
| PayTabsPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| Tap PaymentsPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| MyFatoorahPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| TelrMedium plan (2.49% + 0.50); Entry plan AED 349/mo has 0% commission up to AED 20k | Monthly plan | AED 99 / SAR 99/mo | AED 0–200 |
| Network InternationalDirect merchant acquiring packages across UAE, Jordan, Egypt & Africa | Bank MID / custom | Custom / bank plan | Varies by plan |
| PaymobPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| GeideaPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
Wallets & other payment rails — Monthly & setup fees
UAE Dirham (AED) payment gateway FAQs
Which payment gateways and processors serve United Arab Emirates (AED)?
Sympli5 tracks 13 payment gateways, bank acquirers, and payment rails serving United Arab Emirates (UAE Dirham, AED), including Stripe, PayPal, Adyen, Checkout.com, Nuvei, PayTabs and 7 others. Of these, 6 publish verifiable standard AED per-transaction schedules and 7 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in UAE Dirham (AED)?
Among the 6 providers with publicly verified AED schedules, the lowest headline variable rate starts at 2.49% + AED 0.50 via Telr. Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive AED calculator on this page to compare exact net payouts.
Do AED payment gateways charge monthly or setup fees?
Of the 13 providers serving AED markets, 8 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 5 providers either require a monthly gateway plan or operate through a bank Merchant ID (MID) with bank-quoted monthly maintenance and setup fees. Monthly and setup costs are charged separately from per-transaction processing rates.
What does the international card surcharge mean for AED transactions?
An international (foreign-issued) card fee applies when a customer pays your business in AED using a Visa, Mastercard, or Amex issued by a bank outside your local merchant country—such as a foreign tourist or overseas buyer. In AED, providers like Stripe (+1%) add an explicit cross-border card surcharge on top of their domestic rate.