UAE Payment Gateway Comparison · Paymennt vs Mamopay

Rates are only one part of the payment decision.

Mamopay publishes competitive MCC rates for education, government, and real estate. Paymennt covers more — events, a built-in shop, and daily payouts included. Here's the honest comparison.

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The short version

Mamopay publishes industry-specific rates for education, government, and real estate (1.12% + AED 0.70 as publicly listed) that are lower than Paymennt's Premium MCC for those categories. At high volume, the saving is real.

The nuance that matters: Mamopay's default settlement is 5 working days. Next-day settlement costs +0.75% extra — bringing their effective rate to ~1.87%, nearly identical to Paymennt's Premium rate. At small volume (under AED 20,000/month), the raw rate difference is under AED 5/day. At that level, daily cash flow access is often worth more than the rate saving. Paymennt is the stronger fit if you also need event ticketing, a built-in shop, or daily payouts without extra fees.

Pricing

Plan	Paymennt	Mamopay
Entry tier	✓ Basic — AED 0/month	✓ Growth — AED 0/month
Standard UAE card rate	2.6% + AED 1 (Standard)	2.7% + AED 0.80 (as publicly listed)
Education / Govt / Real estate rate	From 1.85% or below · high volume from 1.4%	1.12% + AED 0.70 (as publicly listed)
F&B / Grocery / Laundry / Flowers rate	From 2.39% or below (Paymennt Premium MCC)	Not listed — general rate applies
Settlement speed	Daily payouts (Premium) / next business day	5 working days — or +0.75% for next-day

Growing volume? Ask about Paymennt's high-volume rates.

Education merchants can reach as low as 1.4% with volume. Talk to the team.

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Features

Feature	Paymennt	Mamopay
Payment links (email, SMS, WhatsApp, any channel)	✓ All plans	✓ Yes
QR codes	✓ All plans	✗ Not listed
Online shop (built-in)	✓ All plans	✗ Not offered
Subscriptions / recurring	✓ Premium + AED 50/month	✓ Yes
Event ticketing	✓ All plans	✗ Not offered
Shopify / WooCommerce	✓ Standard & Premium	✓ Yes
Dedicated account manager	✓ Premium	✗ Not listed
UAE-based support	✓ Yes	✓ Yes
PCI DSS Level 1	✓ Yes	✓ Yes

The rate difference in real money — at typical small business volume

At AED 20,000/month in online revenue (~200 transactions):

Mamopay education rate (1.12% + AED 0.70 × 200): AED 224 + AED 140 = AED 364/month — but settlement in 5 working days
Mamopay with next-day settlement (+0.75%): 1.87% + AED 0.70 × 200 = AED 374 + AED 140 = AED 514/month
Paymennt Premium (from 1.85% + AED 1 × 200 + AED 99): From AED 370 + AED 200 + AED 99 = from AED 669/month — daily payouts included

The raw rate difference between Mamopay's best published MCC rate and Paymennt Premium is AED 145/month at AED 20,000 in volume — about AED 5 per day. But Mamopay's default settlement is 5 working days, meaning roughly AED 3,300–4,000 of your revenue is in transit at any given time, unavailable for rent, payroll, or stock. Add next-day settlement (+0.75%) and their effective rate becomes ~1.87% — nearly identical to Paymennt Premium, without the daily payout or event ticketing.

For a small business watching cash flow, getting your money tomorrow for slightly more is often the more rational choice than saving AED 5 a day and waiting until next week.

As your volume grows, so does the conversation. Paymennt's education rate can reach as low as 1.4% for high-volume merchants — at which point the comparison changes again. Talk to the team about what your specific volume unlocks.

When Mamopay's rate wins — and when it doesn't

At high volume (AED 100,000+/month), the gap between Mamopay's education MCC and Paymennt's published Premium rate is AED 730/month at AED 100K. At that scale, the 5-day settlement float may be manageable for a business with predictable cash cycles — and worth evaluating head-to-head.

For F&B, grocery, laundry, and flower shops — categories not covered by Mamopay's published MCC pricing — Paymennt's category rates are the lower option. Mamopay's standard 2.7% rate applies to those categories.

Where Paymennt goes further

Both platforms cover payment links and Shopify/WooCommerce well. Where Paymennt extends further: event ticketing (useful for academies, gyms, community businesses), a built-in online shop without a separate Shopify subscription, QR codes for in-person collection, and daily settlement included in Premium without an extra fee.

The dedicated account manager on Premium is a meaningful operational difference as you grow — a real person attached to your account, familiar with your business, reachable during UAE business hours.

AED 5/dayThe rate saving from Mamopay's best MCC rate vs Paymennt Premium, at AED 20,000/month — before the cash flow cost of 5-day settlement

Questions answered

Does Mamopay have lower rates than Paymennt?+

For education, government, and real estate: Mamopay publishes 1.12% + AED 0.70 (as publicly listed), which is lower than Paymennt's Premium MCC rate from 1.85% or below. However, Mamopay's default settlement is 5 working days — next-day costs +0.75% extra, bringing their effective rate to ~1.87%. Paymennt's education rate can go as low as 1.4% at high volume. For F&B, grocery, laundry, and flower shops, Paymennt's category rates are lower than Mamopay's general rate. Always verify current rates directly with each provider.

How long does Mamopay take to settle funds?+

Mamopay's default settlement is 5 working days. Next-day settlement is available at an additional +0.75% on the transaction fee. Paymennt's Premium plan includes daily payouts by default — no extra charge. For small businesses managing cash flow, the settlement speed difference can matter as much as the transaction rate.

Does Mamopay support Shopify and subscriptions?+

Yes — Mamopay supports Shopify, WooCommerce, and recurring billing. Paymennt also covers all three. The meaningful differences are: Paymennt includes event ticketing and a built-in online shop, daily settlement without an extra fee, and QR code payments for in-person collection.

Which is better for UAE education businesses at low volume?+

At AED 20,000/month: Mamopay's education MCC rate saves roughly AED 145/month vs Paymennt Premium — about AED 5/day. But Mamopay's 5-day default settlement means roughly AED 3,300 of your revenue is in transit at any time. Adding next-day settlement (+0.75%) closes almost all of the rate gap. As volume grows, ask Paymennt about high-volume rates — education merchants can reach as low as 1.4%.

Competitor pricing and feature information on this page is sourced from publicly available sources and was accurate at time of writing. Rates and product features change — always verify current pricing directly with each provider before making a decision. Paymennt pricing is accurate as listed on paymennt.com/pricing.

Rate + settlement + platform. All three matter.

Daily payouts, event ticketing, built-in shop — starting free.

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