Collect business payments with a Virtual Account and Digital Wallet

Streamline your merchant business transactions and customer payments with a connected virtual bank account and wallet.
A person typing on a laptop on a wooden table.
A woman in a headscarf smiles as she holds a tablet.
A person holding a tablet with a cup of coffee.
A person typing on a laptop on a wooden table.
A woman in a headscarf smiles as she holds a tablet.
A person holding a tablet with a cup of coffee.

Trusted by leading brands in UAE

Everything you need to collect and map payments seamlessly

From online to offline, a virtual bank account and wallet will help you keep track of all the payments made by and to your business.

Unique virtual bank account

Get a unique virtual account for your business in association with FAB with a unique identification number associated with your merchant wallet.

All you need to do is share a few details about you and your business to complete KYC.

Error, please try again after some time.
onnection image

Connected merchant wallet

Collect payments from over 1.5 billion wallet users worldwide with AliPay, Botim and PayBy. Easily streamline payments collected via other PayBy payment modes including POS, online payment gateway, auto-debit, etc.

Accept cash and cheque payments

Let customers make payments via cash and cheques deposited at FAB kiosks.

Transfer your account balance in parts or in full to any other VAM, merchant wallet or bank account.

A diagram of a merchant account.
payby working screenshot

Secure transactions

Enhance safety and prevent fraud by leveraging a virtual account and wallet built using robust technology that meets up-to-date industry compliances.

Your virtual bank account number stays hidden during all transactions.

Real-time reconciliation and settlements

Match all incoming and outgoing business payments to individual branches/ departments/ accounts in real-time, and easily keep track of all transactions on one dashboard.

Automate payment reconciliation and settlements.

A screenshot of the transaction records page.
A screenshot of a cell phone showing the time and date.

Comprehensive reporting

Stay on top of your business’s daily, weekly, and monthly sales with easy-to-read graphs and downloadable reports.

Simple pricing, no hidden charges

PayBy offers comprehensive payment solutions for businesses of all scales and helps you set up a virtual bank and wallet account with no set up fees.


Get access to all the PayBy payment solutions at one standard price with no hidden charges.
For domestic cards
2.50% + 1 AED
For international cards
2.80% + 1 AED
1.5% + 1 AED
For wallet payments (Alipay+)

Customized for you

Design a special package based on your annual business processing volumes & risk profile
Volume discounts
Multi-product discounts
Tailored Solutions

One-time fee of AED 800 for POS

Get PayBy POS systems at a one-time fee for the physical device to further simplify digital transactions.

Choose a product that suits you best

Smart POS

Smart BOX