United Arab Emirates Payment Fee Calculator

In the United Arab Emirates, standard online payment processing fees for domestic credit and debit cards range from 2.80% to 2.90% + 1.00 AED per transaction across major gateways like Stripe UAE, PayTabs, Amazon Payment Services, and Network International. International cards incur an additional 1.00% to 1.50% cross-border fee.

Under UAE Federal Tax Authority (FTA) regulations, commercial payment processing services are subject to 5% VAT. Payment gateways add 5% VAT to their transaction fees. For example, on a 50 AED processing fee, 2.50 AED in VAT is added, making the total processing deduction 52.50 AED.

To ensure you receive your target net payout after 2.90% + 1.00 AED fees and 5% UAE VAT, use: Gross = (Target Net + (1.00 * 1.05)) / (1 - (0.029 * 1.05)). For a 1,000 AED payout, billing 1,032.58 AED covers all gateway deductions and taxes, leaving exactly 1,000.00 AED in your bank.

Payment gateways charge the same transaction percentage for both Mainland (DED) and Freezone (DMCC, DIFC, ADGM, SHAMS, etc.) companies. However, corporate bank account setup and minimum balance requirements may vary depending on banking partner policies.

Yes. Apple Pay and Google Pay processed in the UAE carry the exact same domestic card processing rate (2.80%–2.90% + 1.00 AED) with zero additional wallet surcharges.

Stripe UAE deposits funds on a 5-day rolling schedule for new accounts, which can reduce to 3 business days as account processing history and volume mature. PayTabs and Network International typically settle on T+2 or T+3 business days.

BNPL providers Tabby and Tamara charge UAE merchants between 4.99% and 6.50% + 1.00 AED per installment sale. While fees are higher than card processing, merchants experience 25% to 40% higher average order values (AOV).

Under UAE Consumer Protection Regulations, merchants are generally restricted from imposing checkout surcharges on domestic consumers paying with retail debit or credit cards.