Overview
WioPay is Wio Bank’s native online payment solution, designed to help UAE businesses easily and securely accept card payments online, via social media, and remotely.
Whether you run an e-commerce website, sell on social media, invoice clients remotely, or operate a retail business, WioPay enables you to collect payments effortlessly and have funds deposited directly into your Wio Business account.
Payment Solutions Available
Solution | How It Works | Best For |
Payment Links (Pay-by-Link) | Generate instant, secure payment links from the Wio Business app or Merchant Dashboard and share them via WhatsApp, SMS, or email. Your customers tap the link and pay securely on any device. | Social media sellers, freelancers, consultants, remote sales, and direct customer billing. |
Online Payment Gateway | Integrate WioPay directly into your website or online store (including Shopify plugins and custom-built websites) for seamless on-site checkout. | E-commerce stores, digital platforms, and online booking websites. |
Key Benefits
Fast Next-Business-Day Payouts (T+1): Receive settled funds directly in your Wio Business AED account the next business day.
Accept Major Cards Worldwide: Accept both domestic and international Visa and Mastercard debit and credit cards.
100% Digital In-App Onboarding: Apply directly inside the Wio Business app with no paperwork.
Comprehensive Merchant Dashboard: Track real-time transactions, monitor daily settlements, issue partial or full refunds, void same-day charges, and download financial reports in one place.
Smart Team Access: Grant custom, role-based dashboard permissions to team members, accountants, and cashiers.
Integrated Address Book: Save regular customer contact details for fast, one-tap payment link generation.
Direct Bank Backing: Direct settlement and processing backed by Wio Bank PJSC.
Eligibility Criteria
To apply for WioPay:
Account Status: You must hold an active Wio Business account.
Signatory Role: Applications must be submitted by an authorized business signatory or account manager.
Documentation & Business Presence: Valid UAE Trade License, Emirates ID, and active commercial activity.
For Payment Links: An active social media business page or website.
For Online Payment Gateway: A live, functional business website URL.
Pricing & Fees
WioPay offers transparent pricing based on your business category, expected transaction volume, and average order value. Your personalized pricing schedule is clearly displayed in your final offer before you activate the service.
Fee Component | Standard Rate | Details |
Domestic Card Processing | Starting from 1.99% + AED 1.00 per successful transaction | Charged on UAE-issued debit and credit cards. |
International Card Processing | Domestic Rate + approx. 1.00% + AED 1.00 per successful transaction | Charged on cards issued outside the UAE. |
One-Time Setup Fee | Standard AED 599 (Waived during promotional launch periods) | One-time onboarding and account setup. |
Refunds & Voids | AED 0 processing charge | Easily initiate partial or full refunds from your dashboard. |
How to Apply for WioPay
Open the Wio Business app and tap Wio Pay on your dashboard.
Select your desired product: Online payments or Payment links, then tap Apply Now.
Review Things to know and accept the terms and conditions.
Complete Your Merchant Profile:
Select your business type and category.
Enter your estimated average order value and monthly sales volume.
Provide your website URL (mandatory for Online payments) or social media link (mandatory for Payment links).
Confirm Bank Accounts:
For onboarding verification, confirm your active business accounts.
Select your preferred Wio Business AED Current Account for daily payouts.
Review your Tentative offer (which outlines your estimated transaction rates, per-transaction fee, and settlement cycle).
Tap Submit application.
Application Review: Applications are reviewed within 2 business days. You can track the progress of your application anytime by tapping Manage application in the app.
How to Accept Your Final Offer & Activate WioPay
Once your application is approved:
Open the Wio Business app and tap View offer from the application tracker.
Review your final pricing schedule and merchant agreement details.
Tap to accept your offer.
Review the digital Merchant Agreement and authenticate with the One-Time Passcode (OTP) sent to your mobile.
Your WioPay merchant account is activated immediately.
How to Create and Share Payment Links
You can generate and share payment links either from your mobile app or from your web dashboard:
Method A: From the Wio Business App
Open the Wio Business app and tap the Wio Pay tab.
Enter the payment amount and add a payment description.
Select an existing customer from your Address Book or enter new customer contact details (mobile/email).
Tap to generate the secure payment link.
Share the link directly via WhatsApp, SMS, or email.
Note: Payment links remain active for 7 days. Customers can open the link on any device to complete their card payment securely.
Method B: From the WioPay Merchant Dashboard
Log in to your WioPay Merchant Dashboard.
Select Create Payment Link.
Enter the invoice amount, currency, customer details, and invoice reference.
Click Generate & Send to dispatch the link directly to the customer’s email or copy the link to share manually.
How to Integrate WioPay Payment Gateway on Your Website
If you operate an e-commerce website:
Log in to your WioPay Merchant Dashboard.
Go to Integration / API Keys to access your secure merchant credentials and integration kits.
For Shopify Stores: Install the official WioPay / Pine Labs payment extension and input your merchant API keys.
For Custom Websites: Use our comprehensive API documentation to connect the checkout flow.
- For dedicated technical integration assistance, contact our technical integration team at Integration.pay@wio.io.
Already using Payment Links?
If you already have Payment Links active and wish to add the Online Payment Gateway, navigate to Wio Pay > Online payments > Apply now in your app. Submit your website details; no additional setup fee or new contract signing is required.
Managing Your Account via the Merchant Dashboard
The web-based WioPay Merchant Dashboard gives you full operational control:
Void a Same-Day Transaction: Go to the Transactions tab, select the recent transaction, and click Void to cancel it before daily settlement.
Issue a Full or Partial Refund: Go to the Settlement tab (or Transactions tab), locate the settled transaction, click Refund, enter the refund amount, and confirm.
Manage Team Access: Go to the Settings tab to add team members (e.g., cashiers, accountants, store managers) and configure role-based page permissions.
Monitor Disputes & Chargebacks: Go to the Disputes tab to review any customer payment disputes and upload supporting delivery proofs or receipts.
Download Accounting Reports: Go to the Reports tab (or click the download icon on the Transactions / Settlement tabs) to export CSV/PDF reports for accounting and VAT filing.
Frequently Asked Questions (FAQs)
How quickly are funds settled into my bank account?
Funds collected through WioPay are settled into your selected Wio Business AED account on a standard T+1 business day schedule (the next business day following the transaction).
How long does a payment link stay valid?
Payment links generated via WioPay remain valid for 7 days. If the customer does not complete the payment within 7 days, the link expires automatically, and a new link can be created.
Can my international customers pay using WioPay?
Yes. WioPay supports all internationally issued Visa and Mastercard credit and debit cards.
What should I do if I previously used Stripe through Wio?
Wio has transitioned to its own native acquiring solution, WioPay. WioPay provides lower processing costs, faster next-day local settlements, and direct in-app support. You can onboard to WioPay directly through the Wio Business app with zero setup fees.
How can I get support for WioPay?
Phone Support: Call 600 500 946 (Press 1 for Wio Business, then Press 2 for WioPay). Available Monday to Sunday, 10:00 AM – 8:00 PM.
- Customer Support Email: care.pay@wio.io
- Technical Integration Email: Integration.pay@wio.io
Was this article helpful?
That’s Great!
Thank you for your feedback
Sorry! We couldn't be helpful
Thank you for your feedback
Feedback sent
We appreciate your effort and will try to fix the article