Market specifications

Do you want to know more information about the United Arab Emirates' market? Go to the Expand Your Reach in Africa’s eCommerce Market article.

`country` code	`currency` code	`amount` decimals	`beneficiary.document.type` name
`AE`	`AED`	2	ID

Document validations

Validation	Name	Length	Type	Example
Document	ID	18	characters	NNN-NNNN-NNNNNNN-N
Document	PASS	up to 12	characters	ABCD1234

Mandatory parameters

Bank transfers

Bank transfer parameters	B2C	B2B
`external_id`	Yes	Yes
`payment_method_id`	Yes	Yes
`flow_type`	Yes	Yes
`purpose`	Yes	Yes
`country`	Yes	Yes
`amount`	Yes	Yes
`currency`	Yes	Yes
`beneficiary.first_name`	Yes	-
`beneficiary.last_name`	Yes	-
`beneficiary.business_name`	-	Yes
`beneficiary.document.type`	Yes	-
`beneficiary.document.id`	Yes	-
`beneficiary.birth_info.date`	Yes	-
`beneficiary.nationality`	Yes	-
`beneficiary.address.street`	Yes	Yes
`beneficiary.address.city`	Yes	Yes
`beneficiary.bank_account.branch`	Yes	Yes
`beneficiary.bank_account.account`	Yes	Yes

Payment methods

The United Arab Emirates supports payouts via Bank transfers. This method requires specific parameters and follows validation rules aligned with local compliance and banking standards.

Bank transfers

Bank transfers in the United Arab Emirates require detailed account information, including SWIFT code, address, city, and IBAN. The format of these fields depends on the receiving bank, and strict validation rules apply.

Refer to the document validations section for ID and Passport format specifications.

Mandatory parameters

All fields listed below are required for bank transfer payouts. For successful processing, ensure correct formatting and value types.

Mandatory parameter	Description
`external_id`	Unique payout identification at the merchant's end. Maximum 100 characters.
`payment_method_id`	Payment method identifier. For bank transfers, use `BANK_TRANSFER`.
`flow_type`	Payout flow type. Valid values: `B2C` (Business to Consumer) or `B2B` (Business to Business).
`purpose`	Payout purpose code. See purpose codes reference.
`country`	Country code. For the United Arab Emirates, use `AE`.
`amount`	Payout amount in `AED`. Use up to 2 decimal places.
`currency`	Source currency of the FX operation. For the United Arab Emirates, use `AED` or `USD`. Payouts are always paid in local currency.
`beneficiary.first_name`	Beneficiary's first name. Maximum 50 characters. English and Arabic are supported.
`beneficiary.last_name`	Beneficiary's last name. Maximum 50 characters. English and Arabic are supported.
`beneficiary.business_name`	Beneficiary's business name. Mandatory only for B2B. English and Arabic are supported.
`beneficiary.document.type`	Beneficiary's document type. Use `ID` for UAE national ID, `PASS` for Passport.
`beneficiary.document.id`	Beneficiary's document number. For ID: NNN-NNNN-NNNNNNN-N, for PASS: up to 12 characters.
`beneficiary.birth_info.date`	Beneficiary's date of birth in ISO 8601 format (YYYY-MM-DD).
`beneficiary.nationality`	Beneficiary's nationality in ISO 3166-1 alpha-2 format.
`beneficiary.address.street`	Beneficiary's street address. Maximum 35 characters. English and Arabic are supported.
`beneficiary.address.city`	Beneficiary's city. Maximum 35 characters. English and Arabic are supported.
`beneficiary.bank_account.branch`	SWIFT code. 8 or 11 alphanumeric characters in upper case.
`beneficiary.bank_account.account`	IBAN number. All United Arab Emirates IBANs begin with 'AE' and are exactly 23 characters long. Ex: AE070331234567890123456.

Example request

{
  "external_id": "896986598",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2C",
  "purpose": "OTHER_SERVICES",
  "country": "AE",
  "amount": 1000,
  "currency": "AED",
  "beneficiary": {
    "first_name": "Ayesha",
    "last_name": "Al Maktoum",
    "document": {
      "type": "ID",
      "id": "123-4567-8901234-5"
    },
    "birth_info": {
      "date": "1985-05-15"
    },
    "nationality": "AE",
    "address": {
      "street": "As Sulimaniyah",
      "city": "Riyadh"
    },
    "bank_account": {
      "branch": "JANBAEAA",
      "account": "AE120016789012345678901"
    }
  }
}