Payment links for UAE businesses

Get paid in minutes, not weeks: accept Visa, Mastercard, Apple Pay and Google Pay with a single shareable link

Here is an uncomfortable truth about getting paid in the UAE: 58% of B2B invoices are overdue, according to the Atradius Payment Practices Barometer 2025. The average days sales outstanding exceeds 100 days. And 75% of UAE businesses have seen a surge in clients waiting 90 or more days to pay.

The reason is rarely bad intent. It is friction. Clients cannot find your bank details. Wire transfers require a login and a 10-field form. The invoice lands in an inbox and gets buried under 200 emails.

Payment links for UAE businesses solve this in a way that nothing else does. One link. Any device. Paid in minutes. This guide covers everything you need to know about payment links in 2026 how they work, what to look for in a provider, and how to go live with card acceptance today.

What is a payment link?

A payment link is a URL that directs your customer to a secure, hosted payment page where they can pay an invoice using a credit card, debit card or bank transfer. There is no coding, no payment gateway integration, and no checkout page to build. You create the link in seconds, share it via email or WhatsApp, and funds settle into your account automatically.

For UAE businesses, payment links are currently the fastest way to accept Visa and Mastercard payments without a traditional merchant account or point-of-sale terminal.

The hosted payment page the page your client lands on after clicking the link shows your company name, the invoice amount, and available payment options. Everything is managed by your payment provider. There is nothing to host or maintain on your own website.

In short: a payment link removes the seven-step bank transfer process and replaces it with one click. The client lands on a branded page, taps pay, and funds are on their way.

Why UAE businesses are switching to payment links in 2026

The UAE processed AED 511.4 billion in card payments in 2024, up 13.3% year-on-year according to the Central Bank of the UAE. Contactless and digital payments accounted for 82% of all card transactions. Dubai's cashless by 2026 target adds an estimated AED 8 billion to the digital economy annually.

Your clients are already comfortable paying digitally. The problem is that most UAE businesses still invoice via PDF and wait for a bank transfer that takes 3 to 7 days to arrive. By the time the wire clears, the DSO clock has already ticked past 30 days.

Payment links for business in the UAE close that gap in three ways:

Reduce steps to payment

From seven or eight actions open email, find account details, log into online banking, locate transfer menu, enter beneficiary, input amount, confirm down to one: click link, tap pay.

Signal professionalism

A branded hosted payment page with your company name and invoice details builds credibility with international clients who have never met you in person.

Eliminate the excuse to delay

Card, bank transfer, Apple Pay, Google Pay. The more options a client has, the fewer reasons remain to wait.

How to choose a payment link provider for your UAE business

Regulatory status

Verify that your provider holds a valid UAE financial services license. The Central Bank of the UAE and the Abu Dhabi Global Market Financial Services Regulatory Authority are the two primary regulators for payment services in the UAE. An unlicensed provider creates compliance exposure for your business and offers no recourse if funds are delayed or frozen.

Transaction fees and transparency

Most UAE payment link providers charge a percentage of transaction value plus a fixed fee per payment. The difference between 2.49% and 2.9% looks small until it accumulates. On AED 500,000 per month in payment link collections, that 0.41% gap costs AED 2,050 per month AED 24,600 per year quietly gone. View Hubpay's full schedule of charges for a transparent comparison.

Settlement currency

Almost every payment link provider in the UAE settles exclusively in AED. If you invoice clients in USD, EUR, or GBP, your payment is converted to AED on receipt, then converted back when you pay suppliers. Two conversions at 1-3% each is a silent 2-6% tax on every international collection. Look for a provider that lets you hold balances in the original currency Hubpay's multi-currency account and named IBANs in 30+ currencies solve exactly this problem.

Transaction limits and scalability

Consumer-focused payment link platforms often apply per-transaction limits of AED 25,000 to AED 50,000. For professional services invoices, real estate deposits, or wholesale trade payments, these limits are incompatible with real business volumes. Confirm limits before signing up and ask whether higher limits are available on upgraded plans.

B2B workflows and integrations

Invoice tracking, partial payment support, multi-user dashboards, and accounting software integrations become critical once you are processing more than a handful of payments per month. A payment link tool designed for retail checkout does not serve a B2B finance team running 50 invoices a week.

Hubpay payment links, built for UAE B2B businesses

Hubpay provides payment links for UAE businesses as part of a regulated treasury platform. Here is what makes it the right choice for B2B collections.

Transparent pricing - 2.49% plus AED 1 per transaction

No setup fee. No monthly payment link fee. No hidden charges. Hubpay's pricing on local collection starts from 2.49% plus AED 1 per transaction. A full schedule of charges is published at hubpay.io/schedule-of-charges.

ADGM-regulated infrastructure

Hubpay holds a Category 3C Electronic Money Institution licence issued by the ADGM Financial Services Regulatory Authority, Permission No. 190024. Client funds are held in segregated accounts with tier-one banking partners.

No consumer-grade transaction limits

The standard AED 50,000 per-transaction limit applies to Starter accounts, with higher limits available on request for Scale and Treasury clients. Professional services firms, real estate brokers, and trading companies regularly process invoices that exceed the ceilings set by consumer-focused platforms. See Hubpay's pricing and plan comparison for full details.

Part of a complete UAE business account

Hubpay payment links sit inside a full treasury platform. The same account that collects card payments also holds named virtual IBANs in 30+ currencies, processes bulk international payroll to 85+ countries, and provides corporate FX with forward contracts. Consolidating four or five separate providers into one platform saves an average of 15 hours per month on financial operations.

How to start accepting payment links with Hubpay

Getting from zero to live card acceptance takes less than one week. Here are the five steps.

1. Open a Hubpay business account

Apply online at hubpay.io/pricing. Submit your trade license, Memorandum of Association, and director and shareholder documents digitally.

2. Complete KYC verification

Verify your KYC fully digitally. Account approval typically happens within 24 to 48 hours.

3. Create your first payment link

Log into the Hubpay dashboard, navigate to Collections, and generate a payment link by entering the amount, currency, and description. The link is ready in under 60 seconds.

4. Share with your client

Copy the link and send it via email, WhatsApp, or embed it in your invoice PDF. Your client pays via Visa, Mastercard, Apple Pay, Google Pay, or bank transfer.

5. Funds settle to your account

Card payments settle within the standard card settlement cycle. Bank transfer payments settle as received. Track all payment statuses in real time from your dashboard.