Payment Products
One connected suite for accepting, moving and managing money across every channel.
Get in touchPayment Gateway: Online Payments
One integration. Every way to pay online.
A secure, developer-friendly gateway for websites, apps and marketplaces. Accept cards, wallets, instant bank payments and digital currencies through a single API, with settlement in AED.
Key features
Hosted checkout, embedded payment fields, mobile SDKs and plugins for major e-commerce platforms
Cards including Visa, Mastercard and Jaywan, Apple Pay, Google Pay, Aani instant payments and buy now, pay later partners
Payment links and digital invoicing: collect without a website
Subscriptions and recurring billing, card tokenization and one-click checkout
Split settlement for marketplaces and multi-vendor platforms, with instant refunds
Built-in fraud prevention, 3-D Secure and a PCI DSS Level 1 environment
International card acceptance with multi-currency pricing
Digital Currency Payments
Accept stablecoins and cryptocurrencies. Settle in dirhams.
Let customers pay with regulated digital currencies such as Zand AED (AEDZ), USDC and other supported stablecoins or cryptocurrencies, while your business receives fiat AED in its account. No crypto exposure and no wallets to manage.
Key features
Native to the Zand Payment Gateway, enabled as an additional payment method
First-class support for Zand AED (AEDZ), plus supported USD stablecoins
Automatic conversion and same-day AED settlement at a locked rate for stablecoins
Real-time on-chain confirmation, QR and wallet-connect checkout
Full transaction reporting alongside card and bank payments
Foreign Exchange
Bank-grade FX, priced in real time.
Competitive spot rates in major and regional currencies, available online, via API or through your relationship manager. Hold, convert and pay in multiple currencies from a single Zand relationship.
Key features
Live FX rates on 9+ currencies with instant execution
Multi-currency accounts and virtual accounts
FX by API for wallets, fintechs and platforms offering currency conversion to their customers
Forward contracts and treasury advisory for larger exposures, on request
Transparent, all-in pricing with no hidden spreads
Cross-Border Payments
Global reach, regional speed.
Send and receive international payments over the rail that fits the corridor, including SWIFT, Buna for the Arab region and blockchain settlement, from one platform.
Key features
SWIFT gpi with end-to-end tracking
Buna, the Arab regional payment platform, for same-day settlement in AED, SAR, USD, EUR and JOD
Stablecoin and blockchain rails for 24/7 settlement in supported corridors
Competitive FX bundled at execution
Aani Instant Payments
Paid in seconds, 24/7.
Real-time dirham payments through Aani, the UAE’s instant payment platform. Send, request and collect funds instantly using a mobile number, email or QR, for businesses and their customers.
Key features
Instant credit transfers, available 24/7 including weekends and holidays
Request to Pay for invoices and collections
Aani QR at checkout, online and in store, integrated with acquiring across the region
Business API for bulk and automated instant payouts
Wage Protection System (WPS) Payroll
Salaries, paid on time and fully compliant.
Process employee salaries through the UAE Wage Protection System directly from your Zand account. Upload your salary file, approve it, and we take care of the rest.
Key features
MoHRE-compliant WPS salary files (SIF) generated or uploaded online
Payments to any UAE bank account or approved payroll card
Maker-checker approvals, scheduling and bulk processing
Full audit trail and monthly WPS reporting
Merchant Acquiring: In-Store Payments
Accept every payment, at every counter.
Card terminals, contactless and QR acceptance for physical stores, restaurants, hospitality and service businesses. One device, all payment methods, with next-day settlement into your Zand account.
Key features
All-in-one POS terminals accepting Visa, Mastercard, Jaywan, contactless, wallets including Apple Pay, Google Pay and Samsung Pay, and QR payments
Tap to phone (SoftPOS): turn any Android device into a terminal
Static and dynamic QR codes, with voice and audio payment confirmation devices
Instalment plans at checkout, including bank EMI and pay in parts, plus dynamic currency conversion for international cards
Integrated billing and inventory tools for retailers
Real-time transaction visibility, unified settlement and reconciliation in the merchant dashboard
Build a better payment experience with Zand
Tell us how your business accepts, moves or manages payments, and our team will help you find the right solution.