Freedom251 › Money Transfer Apps
Ziina
What Ziina is
Ziina provides individuals and businesses in the UAE ways to send and receive money and accept payments. Businesses can use payment links, QR payments, Tap to Pay, a payment gateway or an API. Tap to Pay turns a compatible iPhone or Android phone into a contactless terminal without extra hardware. Payment links can be shared through messaging and social platforms, with Apple Pay, Google Pay or card payments. Businesses can create invoices, share them through WhatsApp, SMS or email, and track payments. Links accept up to 10 currencies, while funds settle in AED. Developer options include Shopify and WooCommerce integrations, custom REST API checkout and OAuth 2.0 wallet functionality. Business fees are pay-as-you-go with no setup fees, and listed fees have 5% VAT applied. Ziina says it is licensed by the UAE Central Bank and uses PCI-DSS certified technology. Personal accounts have stated sending, receiving and card-payment limits.
Who it suits
Ziina suits UAE individuals and businesses that need wallet transfers, payment links, invoicing or mobile payment acceptance. It also fits businesses needing API and commerce integrations.
What it does well
- Instant wallet transfers are supported
- Tap to Pay needs no extra hardware
- Payment links support up to 10 currencies
- Invoices can be shared and tracked
- Android, iOS and API access
What to know first
- Funds from multi-currency links settle in AED
- Business fees have 5% VAT applied
- Personal accounts have stated transaction limits
- Ziina Violet costs 100 AED a month
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Ziina Lite | Membership free · 0% foreign-currency card spend up to AED 3,000/month, then 0.5%/transaction · Card top-ups 2.5%/transaction · Bank-transfer top-ups free | Free |
| Ziina Violet | AED 100 monthly / AED 996 yearly (incl. VAT) · 0% foreign-currency card spend up to AED 20,000/month, then 0.5%/transaction · Card top-ups 1% up to AED 5,000/billing cycle, then 2.5% · Bank-transfer top-ups free | 100 AED a month |
As ziina.com lists them, read 7 Oct 2026. The maker's own page has the final word.
Verdict
Ziina combines wallet transfers with payment links, invoicing, Tap to Pay and developer integrations for UAE users. Its freemium model includes a free plan, while business fees are usage-based and subject to VAT.
Facts from Ziina's own pages
- Business eligibility
- Ziina Professional accounts can receive payments after activation without a Trade License; verified business accounts require Trade License verification for higher limits and multi-user access. · ziina.com, 7 Oct 2026
- Company
- Ziina says it was founded in Dubai in 2020 and that it powers money movement across the UAE for individuals, startups, and businesses. · ziina.com, 7 Oct 2026
- Exchange-rate model
- variable · ziina.com, 22 Sept 2026
- Fees
- The fees page says business payment fees are pay-as-you-go, with no setup fees, and that listed fees are subject to 5% VAT applied to the fee. · ziina.com, 7 Oct 2026
- Upfront fee display
- Yes · ziina.com, 22 Sept 2026
- Free plan
- Yes · ziina.com, 22 Sept 2026
- Integrations
- Ziina’s developer documentation names Shopify and WooCommerce integrations, custom REST API checkout, and OAuth 2.0 wallet functionality. · docs.ziina.com, 7 Oct 2026
- Invoicing
- Ziina lets businesses create invoices, share them through channels including WhatsApp, SMS, and email, and track payments. · ziina.com, 7 Oct 2026
- Mobile platforms
- both · ziina.com, 22 Sept 2026
- Multi-currency
- Payment links can accept up to 10 currencies, with funds settled in AED. · ziina.com, 7 Oct 2026
- Payment links
- Payment links can be shared through messaging and social platforms, and customers can pay by Apple Pay, Google Pay, or card. · ziina.com, 7 Oct 2026
- Payment methods
- Businesses can accept payments through payment links, QR payments, Tap to Pay, a payment gateway, and an API. · ziina.com, 7 Oct 2026
- Personal account limits
- The stated personal account limits include AED 1,500 in card payments per week, AED 25,000 sent per calendar month, and AED 50,000 received per calendar month. · ziina.com, 7 Oct 2026
- Recipient methods
- wallet · ziina.com, 22 Sept 2026
- Security and regulation
- Ziina says it is licensed by the Central Bank of the UAE and uses PCI-DSS certified technology to store payment card information. · ziina.com, 7 Oct 2026
- Support
- Ziina’s help center offers searchable support content covering business and personal accounts, cards, Violet membership, integrations, and customer support. · ziina.com, 7 Oct 2026
- Tap to Pay
- Tap to Pay turns a compatible iPhone or Android phone into a contactless payment terminal without extra hardware. · ziina.com, 7 Oct 2026
- Transfer speed
- instant · ziina.com, 22 Sept 2026
- Transfer tracking
- Yes · ziina.com, 22 Sept 2026
- Verification
- The business page says Ziina uses biometrics and a PIN code for added security. · ziina.com, 7 Oct 2026
- What it does
- Ziina provides businesses and individuals in the UAE ways to send and receive money and accept payments. · ziina.com, 7 Oct 2026
Where Ziina stands on Freedom251
- Money Transfer Apps#36 of 81