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Cross-border payments for UAE merchants

Accept any payment — settle in AED

Print a QR or send a link. Guests pay with cards, SBP, Mir Pay, crypto or local transfers — settled in AED or USD within 1–2 days. No terminal required.

Connect your business See how it works
  • SBP · Mir · Visa · Mastercard
  • Settlement in AED or USD
  • No terminal required
  • 10% all-in fee · No hidden FX
Guests at a cafe in Dubai Burj Al Arab and Jumeirah skyline
Live at venues across Dubai
Live payment test

Scan the QR and try a real payment right now

A real invoice from our payment provider. Scan the QR, pick any method — card, SBP, transfer — and see the full flow your guests get.

  1. 1 Open the QR with the phone camera or your banking app
  2. 2 Pick the payment method you prefer — card, SBP or transfer
  3. 3 Confirm and receive an instant receipt in the bank app

Test only — small amount, real payment. The funds are received by Oplatio for verification.

Oplatio · Live demo

2 000 RUB

Test amount

Oplatio live SBP test QR
Open payment page
Cheerful waitress serving guests

Oplatio

+ 12,480 AED

settled today

Real operations every day

Simple and secure

  • Issue invoices for services and purchases in AED or USD
  • Guests pay with cards, SBP or local transfers in their own currency
  • Receive funds in the currency of the issued invoice

Merchants track each payment in real time and close shifts without manual reconciliation

How it works

From QR to AED on your account in four steps

A single flow for an entire restaurant, hotel or store.

  1. 01

    Issue an invoice

    Enter the amount in AED or USD in the POS app or place a QR on the table.

  2. 02

    Guest pays

    Guest scans the QR, picks a convenient method — card, SBP, transfer — and pays in under 30 seconds.

  3. 03

    Confirmation

    You see the payment in the dashboard instantly; the guest gets a receipt on the spot.

  4. 04

    Settlement

    Within 1–2 business days the AED (or USD) amount lands on your UAE bank account.

Oplatio growth

Scaling fast with online onboarding

Fully online flow: application, documents and activation

Sign in and verification via UAE PASS

400+

new merchant outlets connected monthly

15 minutes

average time to connect one outlet

Why Oplatio

Multiple payment methods

SBP, Mir, Visa and Mastercard — one flow for in-store payments.

Settlement in AED or USD

Funds credited in the currency of the issued invoice — straight to your UAE bank account.

Transparent commission

A single service fee. No hidden FX markups on your side.

Fast onboarding

Online application and document flow — go live in days, not weeks.

Merchant dashboard

Invoices, payment status and history in one online dashboard.

Mobile POS

Runs in the browser on any smartphone — no extra hardware required.

For every type of business

Restaurants & cafés
Retail
Hotels
Tour operators
Guides & experiences

Without integration

  • Create invoices from the dashboard and send a payment link by email or SMS
  • Embed a payment widget or QR on your website
Restaurant staff smiling at the till

API integration

  • Checkout on your site or a branded payment page
Modern restaurant in Dubai with guests

Restaurant scenario

A unique QR code on every table

Guests scan the table QR, pick the payment method that suits them and complete checkout without waiting for staff.

  1. 1 Assign a dedicated QR code for each table in the dashboard
  2. 2 Guest scans the code and opens Oplatio on mobile
  3. 3 Picks a convenient payment method and confirms the bill
  4. 4 Payment appears instantly in staff POS
Outdoor restaurant terrace in Dubai under palm trees
21:41
O

Oplatio POS

Marina Bistro · Dubai

#1042

Test amount

81.63 AED

≈ 2 000 ₽ · СБП

Live SBP QR
СБП RUB
VISA Card
МИР MIR Pay
Waiting for payment…

Oplatio POS

In-store payments

Oplatio POS lets your team accept payments quickly and securely at the counter.

  1. 1 Enter the bill amount in AED or USD in the app
  2. 2 A QR code and payment link are generated instantly
  3. 3 The client scans and completes payment via SBP or card
  4. 4 After confirmation, funds are settled to your UAE account
iPad · Android · iPhone PCI DSS infra Real-time webhook

Pricing

One fee, no FX games

Everything is included into a single 10% service fee. No setup, no monthly minimums, no FX markup on top.

Pay-in — accepting payments

10% service fee

Deducted in the payment currency

Payout to partner

Bank transfer in AED or USD

Typically within 1–2 business days · No payout fee

Onboarding & support

No setup or monthly fees

Personal manager via WhatsApp · Free integration assistance

Get started

FAQ

Who can connect?

Licensed restaurants, hotels, retail and service businesses registered in the UAE.

Which currencies can I invoice in?

AED by default; USD is available depending on your settlement setup.

Do I need special equipment?

No — the POS runs in a mobile browser. A tablet or phone is enough.

Contact us

  • hello@oplatio.com
  • Burj Khalifa, Office 47, Dubai, UAE

Connect your business

Submit the form — we will reach out via WhatsApp within one business day.

We will reply on WhatsApp using this number

By submitting you agree to be contacted about Oplatio onboarding.