What it does
botim money provides UAE businesses with online and in-person collection tools, including QR payments and recurring charges. Merchants must complete business onboarding and agree the processing charges before using the live service. It offers a standard arrangement and custom commercial terms for businesses with different volume or risk requirements.
A payable invoice sends a billing record by email or SMS, while Paylink can request a fixed or customer-chosen amount. Choose the invoice when the customer needs the bill and payment request together; use a link for a simpler collection request. Links can also be shared in WhatsApp conversations.
A website can connect through an API, the interface used by its software, or an ecommerce integration. Direct Pay places the payment form inside your site and has a separate security requirement described below.
The simplified onboarding route lists a trade licence, Emirates IDs for all partners, company constitutional documents and a merchant form, with an AED 6,000 daily transaction limit. Enhanced review adds tenancy documents, three months of company bank statements and a VAT certificate; its limit depends on risk assessment.
The pricing page says there is no setup fee. Confirm card, wallet, refund and settlement charges in the merchant form: the current terms charge for processed transactions and state that prices exclude VAT. Agree the bank-deposit timetable as part of that arrangement. For a physical checkout, the reporting page’s pricing section lists a one-time AED 800 POS hardware cost, separate from processing.
Strengths
- Digital receipts can use the merchant’s logo and colors and be shared by email or SMS.
- The standard package includes role-based access and consolidated payment reporting.
- A JavaScript interface supports payment within the botim app browser.
Watch out for
- botim money requires Payment Card Industry security certification for Direct Pay.
- The merchant terms allow a non-usage fee for a month with no processed transactions.
- Reconciliation normally covers only transactions acquired and settled through botim money.
Best for
- UAE service businesses sending invoices after completing work
- Retailers connecting physical checkout and online collection
Sources
- botim money: Merchant payment tools (Oct 27, 2026)
- botim money: Pricing and onboarding requirements (Oct 27, 2026)
- botim money: Payment gateway (Oct 27, 2026)
- botim money: Reporting, invoices and POS pricing (Oct 27, 2026)
- botim money: Merchant service terms, version 2 (Oct 27, 2026)