MBME Pay is the largest private payment network in the United Arab Emirates, providing comprehensive fintech solutions including 4,000+ self-service kiosks, payment gateways, POS systems, and digital payment platforms. We process over 90 million transactions annually, serving 3.2 million customers monthly across utilities, telecommunications, government services, and retail sectors. MBME pay is a subsidiary of UAE-based tech powerhouse MBME Group.

Our 4,000+ kiosks are strategically deployed across all 7 Emirates of the UAE, including major, high-footfall locations such as shopping malls, metro stations, airports, residential communities, petrol stations, and government service centers. You can find kiosks in Dubai Mall, Abu Dhabi Airport, Sharjah City Centre, and hundreds of other convenient locations nationwide.

MBME Pay provides customers with comprehensive payment services including utility bill payments (DEWA, SEWA, FEWA), telecommunications services (Etisalat, Du), government service payments, international mobile recharge, parking fees, Salik toll payments, event tickets, gift vouchers, insurance premiums, and various retail transactions, integrating more than 80 biller partners.

Yes, our kiosk network operates 24 hours a day, 7 days a week, providing round-the-clock access to payment services. Our digital payment gateway, POS systems, and online payment links are also available 24/7 with 99.99% uptime. Our technical support team provides assistance during business hours with emergency support available for critical issues.

To become an MBME Pay partner, you can contact our Business Development team through our website contact form or email us at sales@mbmepay.ae. We offer partnership opportunities for merchants, billers, service providers, and location partners. Our team will guide you through the onboarding process, technical integration requirements, and commercial terms based on your specific business needs.

Standard payment gateway integration typically takes 2-5 business days, depending on your technical infrastructure and requirements. We provide comprehensive API documentation, SDKs for major programming languages, and dedicated technical support. Simple integrations using our hosted payment pages can be completed in under 24 hours, while custom integrations with advanced features may require additional development time.

Our payment gateway supports all major payment methods including Visa, Mastercard, American Express credit and debit cards, Apple Pay, Google Pay, Samsung Pay, and local UAE payment schemes. We also support alternative payment methods including digital wallets, and cash collection through our kiosk network. All transactions are processed in real-time with instant confirmation.

Card transactions are processed in real-time, with authorization typically completed in under 2 seconds. Settlement to merchant accounts occurs on flexible settlement basis for standard accounts and same-day settlement is available for enterprise customers.

Yes, our payment gateway supports international card processing in multiple currencies. We handle currency conversion, international fraud prevention, and compliance with global payment regulations.

Yes, we provide a complete sandbox environment that mirrors our production system for testing and development purposes. The sandbox includes test card numbers, simulated responses for various transaction scenarios, and comprehensive API testing tools. You can test all payment flows, error handling, and webhook integrations before going live. Access to the sandbox environment is provided immediately upon account creation.

We offer multiple integration methods including RESTful APIs, hosted payment pages, mobile SDKs for iOS and Android, e-commerce plugins for major platforms (WooCommerce, Magento, Shopify), and custom integration support. Our API supports various authentication methods including API keys, OAuth 2.0, and JWT tokens. We provide SDKs in PHP, Java, Python, Node.js, and .NET with comprehensive documentation and code samples.

Our kiosks feature industrial-grade components including 19-inch color LCD touchscreen displays, thermal receipt printers (Ithaca 950), bank note acceptors supporting all UAE denominations, chip and PIN card terminals (D200), built-in Lenovo small form factor PC, industrial 4G/WiFi routers with failover, secure cash safes with independent locks, tilt and door alarm systems, and dedicated media players for advertising. All components are certified for 24/7 operation with remote monitoring capabilities.

Standard kiosk deployment takes 1-2 weeks from order confirmation to full operation. This includes site survey, hardware installation, network configuration, software setup, integration testing, and staff training. For multiple kiosk deployments, we can install 5-10 units per week depending on location logistics and site readiness. Emergency deployments can be expedited with additional coordination.

All kiosks include comprehensive maintenance covering 24/7 remote monitoring, preventive maintenance visits, spare parts replacement, cash collection services, receipt paper replenishment, software updates, and security patches. Our technical team monitors cash levels, printer status, network connectivity, and system health in real-time with automated alerts for issues requiring intervention. Standard SLA includes 4-hour response time for critical issues and next-business-day resolution for non-critical matters.

Yes, full white-label customization is available including custom exterior wrapping, branded user interface with your logo and colors, personalized receipt headers and footers, custom welcome screens, and tailored service workflows. We provide design consultation services to ensure your branding is prominently featured while maintaining optimal user experience and regulatory compliance requirements.

Our kiosk network maintains 99.7% uptime across all deployments. This is achieved through redundant connectivity (4G + WiFi failover), proactive monitoring, preventive maintenance, and rapid response support. Each kiosk is monitored 24/7 with automated alerts for any issues affecting service availability. We maintain adequate spare inventory and field service teams to minimize downtime and ensure continuous operation.

We employ bank-grade security measures including end-to-end encryption (TLS 1.3), tokenization of sensitive card data, PCI-DSS Level 1 compliance, EMV chip card support, 3D Secure authentication for online transactions, real-time fraud detection using machine learning, and secure key management systems. All payment data is encrypted both in transit and at rest, with no plain-text storage of card numbers or CVV codes.

MBME Pay is certified to the highest industry standards including PCI-DSS Level 1 Service Provider (annual recertification), ISO 27001 for Information Security Management, EMV certification for chip card processing, and PA-DSS certification for payment applications. We undergo regular security audits by qualified security assessors and maintain comprehensive security documentation and incident response procedures.

Customer data protection follows strict protocols including data encryption at rest using AES-256 encryption, encrypted transmission channels using TLS 1.3, tokenization of sensitive information, role-based access controls with multi-factor authentication, comprehensive audit logging of all data access, regular security assessments and penetration testing, and compliance with UAE data protection regulations. Personal information is stored in secure data centers within the UAE with backup and disaster recovery systems in place.

We maintain a comprehensive incident response plan that includes immediate threat containment, forensic analysis, notification to affected parties within required timelines, coordination with payment networks and regulatory authorities, and implementation of corrective measures. Our security team monitors for threats 24/7 and we maintain cyber insurance coverage. In our operating history, we have maintained a clean security record with no breaches affecting customer data.

Our fraud prevention system employs multiple layers including real-time transaction monitoring, machine learning-based anomaly detection, velocity checks and spending limits, device fingerprinting, IP geolocation analysis, blacklist screening, and manual review for high-risk transactions. We analyze hundreds of data points per transaction to identify suspicious patterns while maintaining low false-positive rates to ensure legitimate transactions are processed smoothly.

Transaction fees are determined by factors such as monthly volume, average transaction value, and business type. We offer tailored pricing for high-volume merchants and custom solutions for enterprise clients. There are no hidden charges, and all costs are disclosed upfront. For detailed pricing, please contact our sales team.

Setup and monthly fees depend on the type of account and services required. Standard accounts do not have setup or minimum monthly fees, while enterprise accounts and hardware deployments may incur additional costs. For a detailed breakdown of fees for your specific needs, please contact our sales team.

Flexible settlement for most merchants. Funds are transferred directly to your designated UAE bank account. Settlement reports are provided through our merchant portal showing detailed transaction breakdowns, fees, and net amounts. For kiosk transactions, settlement occurs within 24 hours of transaction completion.

Refunds processed through our system incur no additional fees beyond reversing the original transaction fee. For chargebacks (customer disputes), a non-refundable administrative fee applies, to cover processing costs. We provide chargeback management tools and guidance to help merchants prevent and respond to disputes effectively. Merchants with high chargeback rates may face increased transaction fees or account reviews.

Yes, we provide competitive volume-based pricing tiers. Larger merchants or those with committed volumes can benefit from reduced rates. We also offer discounts for annual contracts and bundled pricing for merchants using multiple MBME Pay services (payment gateway, POS, kiosks, etc). Contact our sales team for a customized quote based on your projected transaction volumes and business requirements.

We provide multiple support channels including 24/7 phone support hotline, email support with a 4-hour response time during business hours, live chat through our merchant portal, dedicated account managers for enterprise clients, comprehensive online knowledge base and documentation, video tutorials and integration guides, and on-site technical support for kiosk deployments. Emergency support for critical issues affecting transaction processing is available 24/7 with a 1-hour response commitment.

Our SLA commitments are tailored to the severity of each issue. Critical payment processing problems receive immediate attention, with a 1-hour response time and a 4-hour resolution target. High-priority issues are addressed within 4 hours and resolved the same day. Medium-priority items receive next-business-day response and resolution, while non-urgent requests are handled within 48 hours. On average, we resolve all ticket categories in under 6 hours and achieve a 95% first-contact resolution rate for common issues.

Yes, our technical team provides comprehensive integration support including pre-integration consultation, API walkthrough and guidance, sample code and SDKs in multiple languages, assistance with testing in sandbox environment, production launch support, and post-launch monitoring. For complex integrations, we offer dedicated technical account managers. Integration support is included at no additional cost for all merchants. Enterprise clients receive priority support with guaranteed response times.

For new business inquiries, sales questions, or partnership opportunities, you can contact our Business Development team through the contact form on our website, email sales@mbmepay.ae, or call our sales hotline during business hours (Monday to Saturday,9 AM to 5 PM GST). Enterprise clients can request a dedicated account manager assignment for personalized assistance. existing merchant support, access your merchant to submit support tickets directly, or contact our 24/7 technical support hotline.