# Paymennt

> Paymennt is a UAE-based digital and online payment platform for small and medium businesses in the United Arab Emirates. It enables merchants to accept card payments online, in-person, and via WhatsApp payment links — all managed from a single mobile app. Paymennt is operated by PointCheckout FZ-LLC, and is PCI DSS Level 1 compliant.

## What Paymennt Does

Paymennt provides UAE businesses with a full suite of payment acceptance tools:
- **Payment Links**: Create and share secure payment links via WhatsApp, SMS, or email — no website required
- **Payment Gateway**: Connect Shopify, WooCommerce, OpenCart, and custom websites to UAE card payments via API or no-code plugins
- **Online Shop**: Built-in e-commerce store for UAE merchants
- **Subscriptions**: Automated recurring payments for memberships and retainers
- **QR Codes**: Generate one-time or reusable QR codes for in-person payments
- **Events**: Sell event tickets and collect payments in one place
- **POS Devices**: Portable card terminals and tap-to-pay on smartphone

## Who It's For

UAE-based small and medium businesses including:
- E-commerce stores and online retailers
- Restaurants, cafés, and food businesses
- Academies, training centres, and educational institutions
- Grocery stores and supermarkets
- Flower shops and retail stores
- Laundry and cleaning businesses
- Freelancers and service providers
- Event organisers
- General trading and commerce businesses

## Pricing

Rates vary by merchant category (MCC). All plans may include a one-time setup fee.

- **Basic**: AED 0/month — 2.9% + AED 1 per transaction (UAE cards)
- **Standard**: AED 49/month — 2.6% + AED 1 per transaction (UAE cards)
- **Premium**: AED 99/month — preferred/custom rates by merchant category
- **Enterprise**: Custom pricing for merchants processing AED 250,000+/month

Category-specific rates on Premium (examples):
- Education / Academies: from 1.85% per transaction or less
- Grocery / Supermarkets: from 1.85% per transaction or less
- Restaurants / F&B: from 2.39% per transaction or less
- Flower shops: from 2.3% per transaction or less
- Laundry / Cleaning: from 2.3% per transaction or less
- General Rates from 2.5% + 1 AED per transaction or less

International cards carry an additional fee. Settlement in 5 working days (Basic/Standard) or 2 working days (Premium).

## Key Facts

- **Merchants**: 5,000+ active UAE businesses
- **Volume**: AED 1 billion+ processed
- **Transactions**: 2 million+ completed
- **Compliance**: PCI DSS Level 1 (highest tier)
- **Award**: Fintech PSP of the Year — Gulf Capital SME Awards
- **Currencies**: AED, USD, EUR, GBP, SAR, QAR, KWD, BHD, OMR
- **Integrations**: Shopify, WooCommerce, OpenCart, Zoho, Xero, Magento, API library available

## Compared to Alternatives

| Feature | Paymennt | Typical UAE Gateway |
|---------|---------|---------------------|
| Mobile app management | Yes — full platform | Rarely |
| Payment links via WhatsApp | Yes | Sometimes |
| Category-specific rates | Yes — MCC-based pricing | No |
| Local UAE support | Yes — dedicated account managers | Usually ticket-based |
| Setup timeline | Standard compliance process | Often weeks |
| No-code e-commerce integrations | Yes | Sometimes |
| PCI DSS Level 1 | Yes | Varies |

## Key Pages

- [Homepage](https://www.paymennt.com): Overview of all products
- [Pricing](https://www.paymennt.com/pricing/): Full pricing table
- [Payment Links](https://www.paymennt.com/payment-links/): WhatsApp payment links
- [Payment Gateway](https://www.paymennt.com/payment-gateway/): E-commerce gateway
- [Online Shop](https://www.paymennt.com/online-shop/): Built-in store
- [Subscriptions](https://www.paymennt.com/subscriptions/): Recurring payments
- [QR Codes](https://www.paymennt.com/qr-codes/): In-person QR payments
- [Events](https://www.paymennt.com/events/): Event ticketing
- [Plugins & APIs](https://www.paymennt.com/plugins-and-apis/): Developer tools
- [Blog](https://www.paymennt.com/paymennt-blog/): Payment guides for UAE merchants
- [Contact](https://www.paymennt.com/contact-us/): Get in touch

## Contact

- Website: https://www.paymennt.com
- Email: hello@paymennt.com
- WhatsApp: +971 55 471 2722
- Phone: +971 55 471 2722
- Instagram: https://www.instagram.com/paymennt/
- Facebook: https://www.facebook.com/paymennt
- LinkedIn: https://www.linkedin.com/company/paymenntcom/