Our Story

Zuato Financial Services was founded with a singular vision: to democratize access to world-class payment infrastructure. We recognized that businesses across the Middle East deserved payment solutions that matched the sophistication of global markets.

As a fully licensed payment acquirer, we've built our platform from the ground up to address the unique challenges faced by businesses in our region — from regulatory compliance to multi-currency support, from traditional retail to cutting-edge e-commerce.

Today, we serve thousands of merchants across diverse industries, processing billions in transactions while maintaining the highest standards of security and reliability. Our journey has just begun, and we're committed to continuously innovating to meet the evolving needs of modern commerce.

Zuato Office

$2B+

Annual Transactions

10,000+

Active Merchants

99.9%

Platform Uptime

45+

Currencies Supported

Our Values

The Principles That Guide Us

Every decision we make is anchored in these core values that define who we are and how we serve our partners.

Trust & Security

We safeguard every transaction with bank-grade security. Your trust is our most valuable asset, and we protect it rigorously.

Innovation

We constantly push boundaries to develop solutions that anticipate tomorrow's challenges and opportunities.

Partnership

Your success is our success. We build lasting relationships based on mutual growth and shared objectives.

Excellence

We hold ourselves to the highest standards in everything we do, from technology to customer service.

Accessibility

World-class payment technology should be available to businesses of all sizes, not just enterprises.

Integrity

We operate with complete transparency and honesty, building trust through ethical business practices.

What Sets Us Apart

In a crowded payments landscape, Zuato stands out through our unwavering commitment to merchant success and our unique approach to the acquiring business.

  • 01

    Licensed Local Acquirer

    As a fully licensed payment acquirer in the UAE, we offer direct acquiring relationships without intermediaries, ensuring faster settlements and lower costs.

  • 02

    Complete Payment Ecosystem

    From online gateways to POS terminals, digital wallets to recurring billing — we provide every payment solution under one roof with unified reporting.

  • 03

    Flexible Settlement Options

    Same-day, next-day, or scheduled settlements — choose what works for your cash flow. No other acquirer offers this level of flexibility.

  • 04

    Developer-First Approach

    Modern APIs, comprehensive SDKs, and sandbox environments make integration seamless. Your developers will thank you.

Our Technology
Payment Solutions

Our Policies

Commitment to Excellence

Our policies reflect our dedication to security, compliance, and ethical business practices that protect both our merchants and their customers.

Data Security & Privacy

We implement industry-leading security measures to protect sensitive data at every touchpoint.

  • PCI DSS Level 1 Certification
  • End-to-end encryption
  • Tokenization of card data
  • Regular security audits

Regulatory Compliance

Full compliance with local and international regulations governing payment services.

  • UAE Central Bank licensed
  • Anti-money laundering (AML)
  • Know Your Customer (KYC)
  • GDPR compliant processes

Transparent Pricing

Clear, competitive pricing with no hidden fees or unexpected charges.

  • Competitive transaction rates
  • No setup fees
  • No monthly minimums
  • Volume-based discounts

Leadership

Meet Our Team

Experienced professionals committed to transforming payments in the region.

CEO

Ahmed Al Rashid

Chief Executive Officer

COO

Sarah Mitchell

Chief Operating Officer

CTO

David Chen

Chief Technology Officer

CFO

Fatima Al Maktoum

Chief Financial Officer