Why use PayTabs instead of Telr inside HIBR ERP?

PayTabs is stronger if you take payments in multiple GCC currencies — SAR, KWD, BHD, OMR, QAR — and want to settle in AED. Telr is stronger if your business is UAE-only and you want the longest-running UAE settlement track record. Both work natively in HIBR ERP; many businesses run both for redundancy.

Does PayTabs support Apple Pay and Google Pay in the UAE?

Yes. Both digital wallets are supported on PayTabs' UAE merchant accounts. Inside HIBR ERP they appear as native checkout options on invoices, the storefront, and the WhatsApp pay link.

PayTabs Integration — HIBR ERP | UAE Payment Gateway

Q: Is PayTabs regulated in the UAE?

PayTabs is licensed as a payment service provider under the UAE Central Bank framework derived from Federal Decree-Law 14/2018 on payment systems. The UAE entity settles in AED to your registered local bank.

PayTabs is the GCC-grown payment gateway founded in Saudi Arabia in 2014 and licensed across six MENA markets including the UAE. It is the gateway of choice for businesses that need to accept payments in multiple currencies — SAR, KWD, BHD, OMR, QAR, USD, EUR, GBP — and settle into a UAE bank account in AED. Under the UAE Central Bank framework derived from Federal Decree-Law 14/2018 on payment systems, PayTabs operates a fully-licensed UAE entity, supports Apple Pay and Google Pay, and offers strong fraud screening for cross-border merchants. Inside HIBR ERP, PayTabs is wired in natively: invoices, storefront checkout, WhatsApp pay-links, and recurring subscriptions all route to PayTabs with daily payout reconciliation back into your AED ledger.

What this integration does

Multi-currency invoicing. Invoice a Saudi customer in SAR; HIBR generates the invoice in SAR, PayTabs collects in SAR, and the settlement converts to AED at PayTabs' published FX rate when it lands in your UAE bank — all booked correctly to your VAT ledger.
Hosted checkout on invoices. Every HIBR-generated invoice carries a PayTabs-hosted "Pay now" link that respects your branding, supports 3D Secure 2, and posts back to HIBR within seconds of payment.
Tokenised recurring billing. Subscription plans, retainers, and instalment receivables can run unattended on saved cards.
Apple Pay + Google Pay on storefront. Both wallets activate at checkout on HIBR's commerce module with no extra integration work; PayTabs handles the wallet credentials.
Refund + chargeback workflow. Refunds initiate from the HIBR invoice screen; chargebacks raised in PayTabs auto-create a Dispute case in HIBR with the originating invoice attached for evidence response.
Daily settlement reconciliation. PayTabs payout reports stream into HIBR via API. Each line auto-matches its source invoice; merchant fees post to the right expense account; FX gain/loss books to a dedicated GL.

Setup in 8 minutes

HIBR ERP → Settings → Payments → Add gateway → PayTabs. You need your PayTabs Profile ID and Server Key, both visible in the PayTabs merchant dashboard under Developers → Credentials.
Paste credentials and select your AED deposit account. Choose a separate GL for each currency if you want isolated FX tracking.
Run the 1 test charge. HIBR sends a live transaction and immediate refund to confirm the round-trip — credentials, webhook, settlement match.
Choose which channels use PayTabs. Invoices, online store, WhatsApp link, recurring subscriptions — tick as required.
Optional: enable PayTabs Switch. If you want to route different cards via different acquirers (e.g., GCC cards through PayTabs, local UAE cards through Network International), HIBR honours PayTabs Switch routing rules.

Use cases

Dubai-based SaaS company billing GCC customers. Sells software subscriptions to clients in Riyadh, Manama, and Muscat. HIBR invoices each customer in their local currency, PayTabs collects, and the SaaS company sees one consolidated AED bank deposit. The VAT treatment differs per country and HIBR posts it correctly under FTA cross-border VAT rules.

Abu Dhabi luxury retailer with international web sales. Storefront sells handbags worldwide. PayTabs handles USD and EUR checkout via Apple Pay; HIBR books the sale, the FX conversion, and the merchant fee on a single accounting entry per transaction.

Sharjah educational institute — instalment fees in SAR for Saudi students. Students pay term fees in three instalments. HIBR's recurring engine triggers PayTabs to charge the saved card each month, posts a sales invoice in SAR, and reconciles the converted AED settlement two business days later.

Pricing. The PayTabs integration is included free in HIBR ERP Lite, Pro, and Enterprise. You pay PayTabs the standard merchant rate directly — typically 2.85% + 1 for non-UAE issued cards, 2.49% + 1 for UAE cards on entry pricing, with negotiated rates for higher volumes. HIBR takes no markup on the funds flow.

Frequently asked questions

Should I use PayTabs or Telr if I'm UAE-only?

If you have zero cross-border revenue and want to optimise for the longest UAE settlement track record, Telr is the safer default. PayTabs becomes the better choice the moment you charge in any non-AED currency or expect significant Saudi/Bahrain/Oman traffic. Many HIBR ERP customers run both, with Telr as primary for UAE cards and PayTabs as fallback plus multi-currency.

Does PayTabs handle subscription billing better than card-on-file in HIBR?

PayTabs handles the card tokenisation and PCI scope; HIBR drives the billing schedule and tax logic. You can run subscriptions from HIBR with PayTabs as the gateway and never touch a card number yourself — your PCI scope stays SAQ-A.

What happens if PayTabs goes down?

HIBR ERP supports gateway failover. If you configure both PayTabs and Telr (or Network International), HIBR routes new transactions through the secondary gateway when the primary is unavailable, and reconciles each set against its own payout file. Same end-customer experience, single ledger.

Wire PayTabs to HIBR ERP today

Free in every tier. Multi-currency invoicing, daily reconciliation, single AED ledger. Beta launches October 2026 — join the waitlist for founding-customer pricing.

Join the waitlist →