Ziina alternatives
6 products compared · Updated November 3, 2026
The short answer
For UAE businesses, Mamo Pay offers flexible settlements and corporate cards, while Telr provides tiered pricing with invoicing and BNPL. For international operations, Stripe is the strongest choice with global reach and extensive APIs.
Your shortlist, at a glance
Read the comparisons ↓- PPayTabsNot publishedEnterprises and fintechs in MENA that need a customizable payment orchestration platform with smart routing and payouts.
- TTelrFrom AED 249/mo + 0%SMEs in the UAE or Saudi Arabia that process over AED 10,000 per month and want a payment gateway with invoicing and buy-now-pay-later options.
Checkout.comCustom quoteEnterprise merchants and marketplaces operating in multiple countries that need a single payments platform with local acquiring and advanced fraud tools.
Stripe2.9% + 30¢Businesses selling internationally or building custom payment flows that need a global processor with extensive APIs and integrations.
Adyen1% + €0.12 (physical)Large enterprises and global platforms that need unified payments, payouts, and financial products across many regions.- MMamo PayFrom 2.9% + AED 1UAE businesses processing over AED 50,000 monthly that want payment links, recurring billing, corporate cards, and international payouts from a single dashboard.
About Ziina and its alternatives
Ziina is a digital wallet for the UAE and MENA, offering businesses and individuals fast, secure money transfers and payment acceptance. It is known for its simple pay-as-you-go pricing, no setup fees, and features like Tap to Pay and a stored value facility license from the UAE Central Bank.
When comparing alternatives, weigh pricing structure (flat fees vs. interchange++), regional coverage (UAE-only vs. global), integrations and APIs, support quality, and contract terms. Consider whether you need a consumer wallet, a payment gateway, or a full enterprise platform.
Explore the alternatives
- PNot published
1.PayTabs
Best for: Enterprises and fintechs in MENA that need a customizable payment orchestration platform with smart routing and payouts.
- Pricing
- Not published
- Category
- Other
PayTabs is a payment orchestration platform for the MENA region, built for medium and large businesses, fintechs, and governments. Choose it over Ziina when you need a full-stack payment infrastructure with smart routing, payouts, and local compliance, rather than a consumer-friendly wallet.
Where it is strong
- AI-powered payment orchestration with smart routing
- Local data storage and compliance per region
- Includes payouts, split payments, and SoftPOS
Where it falls short
- Pricing is not public, likely enterprise-focused
- More complex than Ziina for small businesses or individuals
- Pricing:
- Pricing is not published on the site.
- TFrom AED 249/mo + 0%
2.Telr
Best for: SMEs in the UAE or Saudi Arabia that process over AED 10,000 per month and want a payment gateway with invoicing and buy-now-pay-later options.
- Pricing
- From AED 249/mo + 0%
- Category
- Other
Telr is a payment gateway for online businesses in the UAE and Saudi Arabia, with tiered plans that include payment links, invoicing, Apple Pay, and Tabby buy-now-pay-later. Choose Telr over Ziina if you need a traditional gateway with volume-based pricing and a broader set of built-in business tools like invoicing and BNPL.
Where it is strong
- Tiered pricing rewards higher volume, with no monthly fee above AED 50,000/month.
- Built-in invoicing, payment links, Apple Pay, and Tabby BNPL across all plans.
- Local support teams in the UAE and Saudi Arabia.
Where it falls short
- Startup plan has a high monthly fee for low volume, which may not suit very small businesses.
- International cards incur an extra 0.50% fee on top of the standard transaction fee.
- Pricing:
- Plans start at AED 249/month for volumes up to AED 9,999 with no transaction fee. Higher tiers drop the monthly fee to AED 0 but charge 2.25% + AED 0.50 per transaction. In Saudi Arabia, plans start at SAR 99/month with a 3% + SAR 1 transaction fee.
- Custom quote
3.Checkout.com
Best for: Enterprise merchants and marketplaces operating in multiple countries that need a single payments platform with local acquiring and advanced fraud tools.
- Pricing
- Custom quote
- Category
- Finance & Accounting
Checkout.com is a global payments processor for enterprises and marketplaces, with local acquiring in over 50 countries and support for 150+ currencies. Choose it over Ziina if you operate internationally and need a unified API for payins, payouts, fraud tools, and advanced analytics. Ziina is UAE-focused, while Checkout.com is built for cross-border scale.
Where it is strong
- Local acquiring in 50+ countries and 150+ processing currencies
- Interchange++ pricing option gives full visibility into card scheme costs
- Free payment processing for registered charities in operating countries
Where it falls short
- Pricing is not transparent without contacting sales
- No mention of a consumer wallet or peer-to-peer payments like Ziina offers
- Pricing:
- Pricing is not published on the site. Checkout.com offers tailored pricing based on business profile and risk category, with structures like flat-rate or interchange++.
- Switching from Ziina:
- Moving from Ziina to Checkout.com means integrating a new payments API and migrating transaction data, with Checkout.com offering data migration assistance.
- 2.9% + 30¢
4.Stripe
Best for: Businesses selling internationally or building custom payment flows that need a global processor with extensive APIs and integrations.
- Pricing
- 2.9% + 30¢
- Category
- Finance & Accounting
Stripe is a global payments platform that lets you accept cards, wallets, and local payment methods online and in person, with billing, fraud, and money movement tools. Choose it over Ziina when you need to operate outside the UAE or MENA, or when you need a broader set of financial infrastructure than Ziina's wallet and UAE-focused services.
Where it is strong
- Supports 135+ currencies and 100+ payment methods globally
- Handles high transaction volumes with 99.999% uptime
- Offers extensive APIs, prebuilt UIs, and no-code tools
Where it falls short
- No UAE-specific features like local bank transfers or Ziina's digital wallet
- Pricing for international cards and currency conversion adds extra fees
- Pricing:
- Standard pricing is 2.9% + 30¢ per successful transaction for domestic cards, with custom pricing for higher-volume or specialized needs.
- Switching from Ziina:
- Moving from Ziina to Stripe means rebuilding your payment integration, as Stripe's APIs and dashboard differ from Ziina's wallet-based setup.
- 1% + €0.12 (physical)
5.Adyen
Best for: Large enterprises and global platforms that need unified payments, payouts, and financial products across many regions.
- Pricing
- 1% + €0.12 (physical)
- Category
- Finance & Accounting
Adyen is a global enterprise payment platform that handles payments, data, and financial products in one system. You would choose it over Ziina if you are a large business operating across multiple countries and need a single integration for many local payment methods, with transparent interchange++ pricing.
Where it is strong
- No setup or monthly fees. Pay per transaction.
- Interchange++ pricing gives full transparency on card fees.
- Supports 150+ currencies and 200+ local payment methods.
Where it falls short
- Pricing is indicative and custom quotes require sales contact.
- Not suited for small businesses or individuals. Enterprise focus.
- Pricing:
- Pricing is per transaction with no setup or monthly fees. Interchange++ passes card fees directly, and physical goods are 1% (min €0.12) while digital goods are 2% (min €0.12).
- Switching from Ziina:
- Moving from Ziina to Adyen means integrating a new API and setting up a merchant account, which is more complex but offers global reach.
- MFrom 2.9% + AED 1
6.Mamo Pay
Best for: UAE businesses processing over AED 50,000 monthly that want payment links, recurring billing, corporate cards, and international payouts from a single dashboard.
- Pricing
- From 2.9% + AED 1
- Category
- Other
Mamo Pay is a payments platform for UAE businesses that combines payment acceptance, payouts, corporate cards, and expense management in one place. Choose it over Ziina if you need flexible settlement schedules, split payouts to any country, and corporate cards with cashback, which Ziina does not offer.
Where it is strong
- Same-day settlements available on both plans
- Unlimited free virtual and physical corporate cards with up to 8% cashback
- Split payouts to any country with fees from 0.5%
Where it falls short
- Premium plan requires AED 50,000+ monthly volume, limiting access for smaller businesses
- No mention of a stored value facility license like Ziina's UAE Central Bank license
- Pricing:
- Growth plan has no monthly fee, with UAE card transactions at 2.9% + AED 1 and international cards at 3.4% + AED 1. Premium plan costs a monthly fee (not specified) with UAE cards at 2.7% + AED 0.8 and international cards at 3.2% + AED 0.8.
See more comparisons in Finance & Accounting alternatives.
FAQ
Questions about Ziina alternatives
Which alternative is best for a small UAE business just starting out?
Telr's Startup plan is affordable for volumes under AED 10,000 per month, with no transaction fee. Mamo Pay's Growth plan has no monthly fee and charges 2.9% + AED 1 per UAE card transaction. Ziina itself offers free receive payments, but you pay for sending payments.
What are the main differences between Ziina and Stripe?
Ziina is UAE-focused with a digital wallet and local features like Tap to Pay. Stripe operates globally, supporting 135+ currencies and 100+ payment methods. Stripe is better for international sales, while Ziina is tailored for the UAE market.
Are there any alternatives with transparent pricing?
Stripe publishes standard pricing at 2.9% + 30¢ per transaction. Adyen offers interchange++ pricing with no setup or monthly fees, but it is enterprise-focused. Telr and Mamo Pay publish tiered pricing on their websites, though some plans require sales contact.
Which alternative supports corporate cards and expense management?
Mamo Pay includes unlimited free virtual and physical corporate cards with up to 8% cashback. Ziina offers a digital card through its Visa partnership, but Mamo Pay's expense management features are more comprehensive.
Do any alternatives offer buy-now-pay-later (BNPL) options?
Telr includes Tabby BNPL across all plans. Ziina does not mention BNPL on its site. Stripe and Adyen support various local payment methods, but BNPL availability depends on region and integration.
Last updated November 3, 2026.