PayCaps

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PayCaps

UAE payment gateway and merchant services provider

About PayCaps

PayCaps Technology LLC publishes a UAE-focused online payment gateway with hosted checkout, APIs, plugins, payment links, invoicing, fraud tools, merchant accounts and a payout API. Its Central Bank of the UAE licensing statement is provider-published and has not been independently verified by Payment Guide.

Geographic scope

The public offer and AED pricing target UAE businesses. PayCaps advertises acceptance from customers internationally, but global buyer reach is not the same as merchant-country eligibility. The pricing page requires a trade licence and company bank account.

Use cases

UAE e-commerce sites, apps, retail, travel, hospitality and education businesses using hosted checkout, payment links, buttons, plugins or API integration, subject to approval.

Products and operating details

Acceptance tools

Hosted and merchant-hosted checkout, payment links, payment buttons, invoicing, plugins and APIs.

Payment methods

The pricing page names Visa, Mastercard and Tabby. The site advertises additional cards, e-wallets and methods without a definitive current public matrix.

Operations

Dashboard reporting, fraud management, chargeback tools, smart routing and payout APIs are advertised.

Merchant requirements

Public pricing states that a trade licence and company bank account are mandatory; all onboarding remains subject to review.

Recurring support

Advertised for weekly, monthly or yearly billing on the global gateway page. Exact eligible methods and merchant categories require confirmation.

Settlement

Merchant terms say settlement generally occurs seven business days after presentation, to the merchant bank account. The application controls funding frequency and may permit holds or deductions.

Reserve

No universal rolling-reserve percentage is published. Merchant terms permit PayCaps to retain funds for specified risk or breach events, potentially up to 540 days or the end of the applicable refund/chargeback window, whichever is earlier.

Pricing

The public pricing page lists UAE plans from 299 AED monthly plus 2.65% + 1.00 AED per transaction at up to 20,000 AED monthly volume, with lower published monthly and transaction fees in higher tiers; above 100,000 AED is custom. It states 5% VAT applies. Current application and merchant agreement control.

Processing volume limits

Not confirmed in reviewed sources.

Before you apply

Licensing, PCI DSS, global reach and feature statements are provider claims, not independent verification. The merchant application controls funding frequency and may add fees. Confirm the exact legal permissions, approved business model, method/currency availability, reserve or hold rights, refunds, chargebacks and all commercial terms before relying on the listing.

Company sources

Reviewed 2026-10-11. Facts below reflect provider-published information, not independent verification.