Show customers the best card to pay with

Yes — completely free. There is no setup fee, no monthly subscription, and no commission on sales. Kredit earns revenue when customers click through and apply for a credit card we recommend, so merchants always pay nothing.

No integration is required for the printed QR — you simply print it and place it at your checkout. For the online widget, you paste one <script> tag into your checkout page (Shopify, WooCommerce, Magento, or any custom stack). No SDK, no API, no hardware.

Merchant Discount Rate (MDR) in the UAE typically runs 1.5%–3% per transaction depending on your acquirer and card type. Kredit doesn't change your MDR. The value comes from what happens at the moment of decision: customers add the extra item when they see they earn 5% back, and come back next week to earn it again. AOV uplift and repeat visits beat the MDR-versus-cash math for most merchants.

Kredit is free for merchants and gives your customers a cashback reason to come back — without you running a points program, building an app, or training staff. Approved merchants get either a printed QR or an embed snippet (or both) within 1 business day.

Yes — the mechanic is different in-store versus online. In-store: visible cashback drives bigger baskets (customers add the extra item when they know they earn) and repeat visits (cashback becomes a loyalty hook). Online: it cuts cart abandonment at the payment step (customers don't pause to research the right card). Either way, Kredit makes the cashback visible at the deciding moment.

Kredit covers all major UAE credit cards including ADCB, Emirates NBD, FAB, Mashreq, RAKBANK, Dubai Islamic Bank, CBD, ADIB, Liv., Wio, and more. Coverage grows as new cards launch.

Any UAE business that accepts card payments — restaurants, cafes, grocery stores, pharmacies, salons, gyms, electronics stores, hotels, fuel stations, online shops, marketplaces, subscription services, and more.

Multi-location support is on our roadmap. For now, each application creates one listing. If you operate multiple outlets or run both a shop and an online store, submit your main listing and mention it in the application — our team will reach out to discuss the best setup for your business.

Any UAE business that accepts credit-card payments at checkout. Restaurants, cafes, grocery stores, pharmacies, salons and clinics, fuel stations, electronics retailers, hotels, ticketing platforms, and ecommerce stores all benefit. The mechanic is the same everywhere — make the right card visible at the moment of decision.

No. Kredit never sees card numbers, PANs, or payment data. The QR and the embed widget recommend which credit card a customer should use based on the merchant category — actual payment still runs through your existing POS or payment gateway. Merchants stay outside PCI scope; nothing changes on your processor.

Yes — all of these are core merchant categories with active cashback rates in the UAE. Pharmacies and groceries often have the highest cashback multipliers (up to 5%), which makes the recommendation block especially valuable for everyday spend. Salons, clinics, and fuel stations sit in their own MCC buckets and we have rate coverage for each.