“Can PayBy become the default payments and financial services operating system for UAE SMEs and merchants?”
PayBy started as a UAE Central Bank-licensed stored value facility and retail payments provider targeting consumers and merchants in the UAE. It progressively added SME-focused products including QR-code payment acceptance and a payroll account product, repositioning from a pure consumer digital wallet toward an SMB payments and financial services platform. The QR-code SME push signals an embedded-finance expansion aimed at replacing traditional POS infrastructure for small merchants.
Payby processes payments through PayBy (self-operated).
Payby is headquartered in Abu Dhabi, United Arab Emirates.
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