Why use Network International specifically?

NI is the UAE's largest card acquirer — most UAE card transactions ultimately settle through their rails. Going direct typically yields better wholesale MDR pricing for medium-volume merchants and gives access to NI Direct POS terminals widely deployed in UAE retail.

Do I need a separate POS terminal, or does NI integrate with HIBR POS?

Both are options. HIBR POS can drive NI Direct terminals via the cloud-attached SmartPOS API. If you already have NI-issued terminals on the floor, HIBR pairs to them and reconciles automatically with no terminal swap required.

Is Network International regulated in the UAE?

Yes. NI is a listed UAE company licensed by the Central Bank as a payment service provider under the framework derived from Federal Decree-Law 14/2018 on payment systems and electronic payment services.

Network International Integration

Network International (NI) is the largest merchant acquirer in the UAE, processing the majority of in-store and online card transactions across the country. Listed on the London Stock Exchange and headquartered in Dubai, NI is the wholesale rail beneath many other gateways — including the major UAE banks' own merchant services — and is licensed by the UAE Central Bank under the framework derived from Federal Decree-Law 14/2018 on payment systems and electronic payment services. UAE SMBs choose NI directly when they want wholesale MDR pricing, access to NI's SmartPOS terminal fleet, or a single acquirer relationship across in-store, online, and recurring rails. Inside HIBR ERP, NI is wired in as a first-class acquirer with direct daily settlement reconciliation, terminal pairing, and online checkout — same ledger entry, regardless of which channel produced the sale.

What this integration does

NI Direct POS terminals. If you have an NI-issued countertop or SmartPOS terminal, HIBR pairs to it directly. Cashier rings up the sale in HIBR POS, the terminal prompts for the card, and the transaction is reconciled the moment NI confirms authorisation — no double entry, no end-of-day Z-out manual matching.
NI N-Genius e-commerce hosted payment. Online checkout on HIBR's storefront routes to NI's N-Genius hosted page with your branding. Apple Pay, Google Pay, Samsung Pay, mada, and major card schemes supported out of the box.
Recurring billing on tokenised cards. NI's tokenisation engine supports unattended billing for subscriptions and instalments — HIBR drives the schedule, NI charges the card, ledger reconciles.
Daily settlement file ingestion. HIBR pulls the NI Direct payout file every morning, matches every line to the originating invoice, books the MDR fee, and flags any unmatched line in the Reconciliation queue.
Chargeback evidence workflow. A chargeback on the NI dashboard creates a Dispute case in HIBR with the invoice, the customer profile, the device fingerprint, and the AVS data already attached — speeds up evidence submission inside NI's dispute window.
Multi-MID support. If you have separate MIDs for different entities (e.g., a holding plus subsidiaries), HIBR routes by entity and reconciles per-MID into the correct subsidiary ledger.

Setup in 10 minutes

HIBR ERP → Settings → Payments → Add gateway → Network International. You'll need your NI N-Genius API key plus your Outlet Reference for online flows, and your Terminal ID for in-store.
Run the 1 round-trip test. HIBR confirms credentials, webhook callback, and the matching payout file format.
Pair physical terminals. Each NI Direct SmartPOS terminal pairs to HIBR POS via Bluetooth or LAN. Pairing takes 30 seconds per terminal.
Map the deposit and fee accounts. Pick the AED operating account for settlements and a dedicated MDR expense GL for processing fees.
Enable per-channel. Activate NI on the channels you want — POS, online, recurring, invoice pay-links. Save.

Use cases

Multi-location Abu Dhabi clothing retailer. Eight stores across Abu Dhabi Mall, Dalma Mall, and Yas Mall, plus one online shop. All eight stores run NI Direct SmartPOS terminals and the online store uses N-Genius. HIBR consolidates the daily settlement into one ledger view per location, with merchant fees correctly allocated per store for P&L visibility.

Dubai-based health clinic with insurance plus card payments. Patients pay co-pays at the front desk via NI terminal. HIBR posts the receipt, splits the line for the insurance receivable plus the card portion, and reconciles the card portion against the NI settlement that lands the next morning.

Sharjah-based education provider with annual fees. Parents pay annual tuition in three card instalments via the NI online checkout. HIBR's recurring engine triggers each instalment, NI tokenises the card after the first payment, and the school sees three clean ledger entries per family with the right revenue-recognition schedule.

Pricing. The Network International integration is included free in HIBR ERP Lite, Pro, and Enterprise. You hold a merchant agreement directly with NI; pricing depends on volume and card mix, typically 1.95–2.49% + 0.50 per transaction for established UAE merchants. HIBR adds no fees on the funds flow.

Frequently asked questions

Should I use NI directly or via a gateway like Telr/PayTabs?

Gateways like Telr and PayTabs typically aggregate volume across many merchants and route to NI as their acquirer; you pay slightly higher rates but onboard in days. Direct NI relationships make sense when monthly card volume exceeds roughly 250,000 and you can negotiate wholesale MDR — the math usually flips at that threshold.

Does the HIBR integration support NI's tap-on-phone (SoftPOS)?

Yes. NI's SoftPOS (accept contactless cards on an Android phone) pairs with HIBR mobile POS — useful for field-service businesses, restaurants doing tableside billing, and pop-up retail.

What if I already have an old NI terminal that isn't SmartPOS?

Legacy NI terminals still work for the card payment itself; you'll lose real-time auto-reconciliation, and HIBR falls back to next-morning settlement-file matching. Most legacy terminals are eligible for free upgrade through NI's standard refresh programme; the HIBR onboarding team can request this on your behalf.

Run Network International on HIBR ERP

One ledger across POS, online, and recurring. Daily auto-reconciliation. Free in every tier. Beta launches October 2026.

Join the waitlist →