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Mamo logo

Mamo

Payment acceptance and spend

Links, checkout and team spend controls for UAE businesses.

Explore

At a glance

Key facts

Payment linksLinks, QR codes and WhatsApp collection
Sharing channelsWhatsApp and QR codes
Payment methodsCards, Apple Pay, Google Pay, Tabby and Jaywan
SettlementStandard five-business-day settlement; same-day option
Online checkoutWebsite checkout and API
IntegrationsShopify and WooCommerce
CardsCorporate cards with approval and spend controls
Corporate card cashbackAED spend: 0.4% Growth or 0.5% Premium; non-AED: 1% or 2%
See all details

Fees

Growth monthly plan · per monthFree
Growth UAE card charged in AED · per transaction3.045% + AED 1.05
Growth international card charged in AED · per transaction3.57% + AED 1.05
See all fees

Use cases

Use casesPayment gateways, Online payments, Payment links, Team spend

Payment solutions

Payment collection

Share links, QR codes and digital invoices with customers.

The WhatsApp bot can create links on the go, while QR codes support in-store collection without POS hardware.

Learn more: Mamo business payment collection

Website checkout

Embedded checkout and API connections for websites.

Shopify and WooCommerce integrations are listed alongside the direct API.

Learn more: Mamo business payment collection

Team spending

Corporate cards with approvals and spend controls.

Both plans include unlimited cards and receipt upload; Growth pays 0.4% AED and 1% non-AED cashback, while Premium pays 0.5% and 2%.

Learn more: Mamo pricing and team spend

Settlement options

Five-business-day standard settlement or optional same-day service.

The optional uplift depends on the plan; risk and reconciliation checks can delay or hold funds.

Learn more: Mamo business payment collection, Mamo pricing and team spend, Mamo Business terms

Refunds and disputes

Manage refunds and chargebacks in the merchant account.

The merchant handles refunds; original transaction fees are not returned, and chargebacks can debit the merchant for the disputed amount and costs.

Learn more: Mamo Business terms

Fees

Free

Growth monthly plan · per month

3.045% + AED 1.05

Growth UAE card charged in AED · per transaction

3.57% + AED 1.05

Growth international card charged in AED · per transaction

Growth non-AED charge · per transaction+2.1%
Growth optional same-day settlement · per transaction+0.7875%
Growth security card hold · per transactionAED 3.675
Growth card ATM withdrawal in UAE · per transactionAED 5.25
Growth card ATM withdrawal abroad · per transactionAED 21
Growth UAE vendor payout · per transferAED 5.25
Growth international vendor payout · per transfer0.63%
Premium monthly plan · per monthAED 103.95*

*Waived in any month without settlements; deducted from the first settlement when due.

Premium UAE card charged in AED · per transaction2.835% + AED 0.84
Premium international card charged in AED · per transaction3.36% + AED 0.84
Premium non-AED charge · per transaction+1.575%
Premium optional same-day settlement · per transaction+0.525%
Premium security card hold · per transactionAED 3.15
Premium card ATM withdrawal in UAE · per transactionFree
Premium card ATM withdrawal abroad · per transactionAED 21
Premium UAE vendor payout · per transferAED 5.25
Premium international vendor payout · per transfer0.525%

Good to know

Premium qualification

Premium is intended for businesses collecting AED 50,000 or more monthly. Its subscription charge is waived in a month without settlements and otherwise comes from the first settlement.

Settlement and refunds

Five-business-day settlement is indicative, subject to a minimum balance and risk or banking delays. Original transaction charges are not refunded when a customer is refunded.

Important stuff

Mamo Business terms

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