Nuqta

What NuqtaPay Controls

Payment gateway & processing
Digital wallet management
Merchant settlement engine
Transaction fraud detection
Multi-currency support
QR code payment system
Payment SDK for all RTMN apps
Financial reconciliation

Does NOT Own

BNPL financing \u2192 Managed by Qist
Remittance \u2192 Managed by Hawil
Rent financing \u2192 Managed by Sakin
Insurance \u2192 Managed by Daman
User identity / KYC \u2192 Managed by Rabtul Core
Compliance \u2192 Managed by Amana / CBUAE
Government licensing \u2192 Managed by Khedma
Merchant relationships \u2192 Managed by BizOne

NuqtaPay

Payment Rails for 100+ Apps

PCI-DSS L199.99% Uptime

NuqtaPay

نقطة باي

One Payment Engine, Infinite Possibilities

NuqtaPay is the unified payment infrastructure powering 100+ apps across the RTMN ecosystem. From card tokenization to QR payments, from Nuqta Coins to cross-border Hawil Card transactions, NuqtaPay provides a single, PCI-DSS Level 1 certified gateway for every transaction in the ecosystem.

Payment Gateway
Merchant Acquiring
Fraud Prevention
Coin Economy
Level 1
Certified
PCI-DSS
100+
integrated
Apps Powered
6
types
Payment Methods
T+1
standard
Settlement
99.99%
SLA
Uptime Target
120
AED
Avg Transaction

6 Payment Methods

Accept every way customers want to pay.

Cards (Visa/MC/AMEX)1.5 - 2.5% MDR
Apple Pay1.8% MDR
Google Pay1.8% MDR
Bank Transfer0.5% MDR
Hawil Card1.2% MDR
Nuqta Coins0% MDR

Security Stack

Enterprise-grade payment security.

PCI-DSS Level 1Certified
3DS2 ProtocolActive
Card TokenizationActive
Fraud ML ModelActive
Encryption (AES-256)Active
SOC 2 Type IIIn Progress

Ecosystem Integration

Powers ALL transactional apps.

BizOne POS35% of txns
Nuqta App20% of txns
Qist BNPL15% of txns
Hawil Remittance10% of txns
Wasil Delivery8% of txns
Safar Bookings5% of txns

How NuqtaPay Works

STEP 1

Merchant Integrates SDK

Integrate NuqtaPay via REST API, React Native SDK, iOS/Android native SDK, web checkout widget, or POS SDK for BizOne terminals.

< 1 day
STEP 2

Customer Initiates Payment

Customer selects payment method at checkout — card, Apple Pay, Google Pay, QR, bank transfer, Hawil Card, or Nuqta Coins.

< 5 seconds
STEP 3

NuqtaPay Processes

Real-time fraud check (ML model), 3DS2 authentication if required, payment authorization via acquiring bank, and transaction logging.

< 2 seconds
STEP 4

Merchant Gets Settled

Funds settled to merchant bank account. T+1 standard (free) or T+0 same-day (0.5% fee). Full reconciliation report delivered.

T+1 / T+0

Revenue Streams

MDR Fees65%
3.9M AED
Premium Subscriptions15%
900K AED
FX Conversion10%
600K AED
Value-Added Services10%
600K AED

Coin Debit Priority Engine

1
Promo Coins
Campaign-specific coins with expiry dates. Used first to maximize merchant value.
2
Branded Coins
Merchant-branded coins earned from specific brands. Used at issuing merchant.
3
Nuqta Coins
Standard ecosystem coins earned from any transaction. Universal acceptance.
4
Cash Balance
Remaining amount charged to linked card, Apple Pay, or bank account.

Related Pages

BizOne POSQist BNPLHawil RemittanceWasil DeliverySafar TravelSakin RentAjer LeasingRTMN DashboardEcosystemValue ChainMonetizationRTMN Finance