Instant low-fee payments for UAE businesses

Get paid instantly and cut 50% payment fees via Pay-by-bank payment solutions, straight into your business bank account.

Instant settlement, 24/7
50% Cheaper than cards
No POS hardware
Bank-level security
Census Pay iOS app mockup - low fee instant payment solutions for UAE businesses

Smart way to accept payments

Real-time A2A payments

Get paid instantly and move funds account-to-account in AED straight into your UAE business bank account within seconds over Aani rails.

High volume, lower fees

Purpose-built for high-volume SMEs across the UAE that want materially lower payment fees with instant settlement and total control.

Pay by link or QR

Accept payments with a QR code or payment link so customers can pay from any device using their existing UAE banking app.

How it works

Step 1

Create QR code

Select products and Census Pay instantly generates a QR or link powered by UAE open banking. Use it at the counter, in invoices, or over WhatsApp.

  • No POS hardware
Create QR code illustration
Step 2

Scan & Authenticate

Customer scans the QR, selects their UAE bank, reviews the amount, and approves the pay-by-bank transfer in their own banking app using Face ID/biometrics.

  • All UAE banks supported
  • No new app or account needed for your client
  • Bank-grade security
Scan & Authenticate illustration
Step 3

Payment received

Funds move account-to-account over UAE instant payment rails (like Aani) and you see the payment confirmed in Census Pay within seconds.

  • Instant settlement
  • 50% lower fees than cards
  • No chargebacks
Payment received illustration

Simple, transparent pricing

No setup fees, no monthly minimums for UAE SMEs - just a small fee per successful transaction.

Growth
1.0% per transaction

Best for new and growing UAE businesses

  • Instant settlement
  • QR & link payments
  • Works with major UAE banks
  • Email support

Perfect for schools, clinics, automotive, training centres and other mid-ticket SMEs.

Scale
Custom pricing

For businesses and merchants processing significant monthly AED volume.

  • Everything in Growth
  • Lower fees for high transaction volumes
  • Custom integrations
  • Priority support

All prices subject to applicable UAE taxes.

Calculate your savings

See how much you can save when you shift your business payments from cards to Census Pay A2A in the UAE.

Monthly Revenue

Estimated card volume

AED375,000
AED 50KAED 2M

Savings

per year

AED63,000

Current Fees with Cards

108,000

With Census Pay

45,000

Frequently asked questions

Start accepting instant payments in the UAE

We're onboarding a limited number of UAE businesses for early access — schools, clinics, automotive, training centres and more. Join the waitlist to see how much you can save on every payment.