Cartaro Payments: Accept Every Way UAE Customers Want to Pay

Payment friction is the silent killer of online stores. A customer browses your products, falls in love with something, adds it to their cart, enters their shipping details — and then abandons the order because you do not accept their preferred payment method.

In the UAE, this is especially critical because payment preferences vary widely across the diverse population. Emirati nationals, Arab expats, South Asian expats, Western expats — each group has different payment habits and preferences. Your store needs to accommodate all of them.

Cartaro integrates with every major payment method used in the UAE, so you capture every sale.

Payment Methods Available on Cartaro

Stripe — Credit and Debit Cards

Stripe is the backbone of card payments on Cartaro. It is the most trusted payment processor in the world, processing billions of dollars in transactions annually.

What customers can pay with:

• Visa credit and debit cards
• Mastercard credit and debit cards
• American Express
• Apple Pay (via Stripe)
• Google Pay (via Stripe)
• Samsung Pay (via Stripe)

Why Stripe matters:

• Instant processing — Payments are confirmed in seconds
• Global cards accepted — Customers from any country can pay with their card
• Apple Pay and Google Pay — One-tap checkout from mobile devices. No typing card numbers. This alone can increase mobile conversion by 10-20%.
• Security — PCI DSS Level 1 certified. Your customers' card data is encrypted and secure.
• 3D Secure — Additional authentication layer for fraud prevention
• Automatic currency conversion — International customers see prices in your currency and pay in theirs

How it works on Cartaro:

1. Customer clicks "Pay" at checkout
2. Redirected to Stripe's secure checkout page
3. Enters card details (or taps Apple Pay/Google Pay)
4. Payment is confirmed instantly
5. Customer is returned to your store with an order confirmation

Setup: Connect your Stripe account through Cartaro's Marketplace panel. Enter your API keys, and you are live within minutes.

Tabby — Buy Now, Pay Later

Tabby is the leading Buy Now, Pay Later (BNPL) provider in the UAE and GCC. It allows customers to split their purchase into 4 interest-free payments.

How it works:

• Customer selects "Pay with Tabby" at checkout
• Tabby approves them instantly (takes seconds)
• Customer pays 25% today
• Remaining 75% is split into 3 more payments over 6 weeks
• The customer pays zero interest. You receive full payment upfront from Tabby.

Why Tabby matters for your store:

• Increases average order value by 30-40% — Customers spend more when they can split payments
• Reduces cart abandonment — Price is no longer a barrier. AED 400 becomes "4 payments of AED 100"
• Attracts younger customers — 18-35 year olds are the heaviest BNPL users
• You get paid in full upfront — Tabby takes the credit risk, not you
• Massive UAE adoption — Tabby has millions of users in the UAE

Best for: Fashion, electronics, beauty, home decor, fitness equipment — any category where the price might cause hesitation.

Pro tip: Display "Pay in 4 installments with Tabby" on your product pages, not just at checkout. Customers who see BNPL availability early are more likely to add to cart.

Tamara — Installment Payments

Tamara is another leading BNPL provider in the UAE and Saudi Arabia. Like Tabby, it lets customers split payments.

What Tamara offers:

• Split into 3 payments (pay in 30 days, 60 days, 90 days)
• Split into 4 payments
• Pay next month (full payment deferred 30 days)

Why offer both Tabby AND Tamara:

• Different customers prefer different providers — some have Tabby accounts, others use Tamara
• Offering both maximizes the percentage of customers who can use BNPL
• No downside — both pay you in full upfront
• Competitive advantage over stores that only offer one

MyFatoorah — Multi-Payment Processor

MyFatoorah is a regional payment processor popular in the GCC that supports multiple payment methods through a single integration.

Payment methods via MyFatoorah:

• Credit/debit cards (Visa, Mastercard)
• KNET (Kuwait)
• Mada (Saudi Arabia)
• Benefit (Bahrain)
• Apple Pay
• Samsung Pay
• Various local payment methods across GCC countries

Why MyFatoorah matters:

• Regional focus — Built specifically for the MENA and GCC market
• Multiple GCC payment methods — If you sell to customers across the Gulf, MyFatoorah covers payment methods specific to each country
• Arabic-first — Native Arabic payment interface

Bank Transfer — Manual Payments

For customers who prefer traditional banking:

How it works:

1. Customer selects "Bank Transfer" at checkout
2. Your bank account details are displayed (account number, IBAN, bank name)
3. Customer makes the transfer through their banking app
4. You confirm receipt and process the order

When bank transfer is useful:

• High-value orders — Some customers prefer bank transfer for large purchases
• Corporate purchases — Businesses often pay via bank transfer
• Trust building — Some first-time online shoppers in the UAE feel more comfortable with bank transfer

Why Multiple Payment Methods Matter

The data is clear:

• 70% of UAE online shoppers have abandoned a cart because their preferred payment method was not available
• BNPL increases average order value by 30-40% across the UAE market
• Apple Pay users convert 2x higher than customers who have to type card numbers
• Offering 3+ payment methods increases overall conversion by 20%+

Every payment method you add captures customers who would otherwise leave.

Payment Security on Cartaro

Your customers' payment data is never stored on your Cartaro store. All payment processing happens through secure, PCI-compliant payment gateways:

• Stripe — PCI DSS Level 1 certified
• Tabby — Bank-grade encryption and fraud detection
• Tamara — Secure, regulated financial service
• MyFatoorah — PCI DSS compliant

What this means for you: You do not handle sensitive card data. You do not need PCI compliance yourself. The payment gateways handle all security. Your customers' data is safe.

Setting Up Payments on Cartaro

Cartaro makes payment setup simple:

1. Go to the Marketplace in your admin panel
2. Browse available payment gateways — Stripe, Tabby, Tamara, MyFatoorah, Bank Transfer
3. Click "Connect" on the gateway you want
4. Enter your credentials — API keys, account details
5. Save and activate — The payment method appears at checkout immediately

You can activate multiple payment methods simultaneously. Customers see all available options at checkout and choose their preference.

Payment Tips for UAE Stores

1. Always offer BNPL — Tabby and/or Tamara. The conversion impact is enormous.
2. Enable Apple Pay via Stripe — Mobile checkout friction drops dramatically.
3. Display installment pricing on product pages — "Or 4 payments of AED 75 with Tabby" is more persuasive than just showing AED 300.
4. Start with Stripe + Tabby — These two cover 90%+ of UAE online payment preferences.
5. Add Tamara for maximum coverage — Captures customers who have Tamara but not Tabby.
6. Bank Transfer for B2B — If you sell to businesses, bank transfer is expected.

Payments on Cartaro — Summary

Cartaro gives you every payment tool you need to capture every customer. Set up takes minutes, and the impact on your revenue starts immediately.