What's special about Tap vs Telr or PayTabs?

Tap is the strongest gateway for Kuwait-resident customers (KNET is native), Saudi customers (mada with deep merchant acquiring), and Bahrain (BENEFIT Pay). Telr is UAE-focused; PayTabs is multi-currency. Tap is the right pick if your sales lean GCC-wide rather than UAE-only.

Can Tap settle to a UAE bank in AED?

Yes. Tap's UAE entity is licensed under the UAE Central Bank framework derived from Federal Decree-Law 14/2018 and settles in AED to your registered UAE bank. Cross-currency collections (KWD, SAR, BHD) convert at Tap's published rate at settlement.

Does Tap support recurring subscriptions?

Yes. Tap supports card tokenisation across Visa, Mastercard, and AmEx — HIBR drives the schedule and Tap charges the saved card. KNET tokenisation is more limited and typically used for one-off payments rather than unattended billing.

Tap Payments Integration — HIBR ERP UAE & GCC

Tap Payments is the Kuwait-headquartered fintech that became the GCC's most used cross-border gateway. Founded in 2014 and now operating with merchant entities in Kuwait, UAE, Saudi Arabia, Bahrain, Qatar, Oman, and Egypt, Tap is the gateway most likely to make Kuwaiti and Saudi customers convert — KNET is native, mada is deeply integrated, and BENEFIT Pay (Bahrain) is one click. Tap's UAE entity is licensed under the UAE Central Bank framework derived from Federal Decree-Law 14/2018 on payment systems and electronic payment services, settling in AED to your local UAE bank account. Inside HIBR ERP, Tap is a native payment rail: invoices, storefront checkout, WhatsApp pay-links, and recurring subscriptions all route through Tap with daily payout reconciliation back into your ledger — including KWD, SAR, and BHD collections that auto-convert to AED at the published Tap rate.

What this integration does

GCC-local payment methods at checkout. Tap surfaces KNET for Kuwaiti customers, mada for Saudis, BENEFIT Pay for Bahrain, Visa/Mastercard everywhere — alongside Apple Pay and Google Pay. Conversion goes up because local customers don't have to use a card they prefer not to.
Cross-currency invoicing with AED settlement. Invoice a Riyadh customer in SAR; HIBR generates the invoice in SAR; Tap collects in SAR; settlement converts to AED on the way to your UAE bank, with the FX rate captured per line in your ledger.
WhatsApp invoice links via Tap. When you send an invoice from HIBR through WhatsApp, the pay-link can default to Tap so the GCC customer lands on a Tap-hosted page that shows local payment methods first.
Recurring on Visa/Mastercard tokens. Tap's tokenisation supports unattended billing on international card brands — HIBR drives the cadence, Tap charges. KNET is excluded for unattended (a regulatory norm, not a Tap limitation).
Goal-of-funds disbursements. Tap also operates a payout product (Tap Senders) that HIBR can use for vendor payouts or refunds back to non-AED accounts — kept in the same ledger view.
Daily auto-reconciliation. Tap's daily payout file ingests into HIBR overnight; each line matches an invoice; merchant fees post to the right GL; unmatched lines surface in the Reconciliation queue.

Setup in 8 minutes

HIBR ERP → Settings → Payments → Add gateway → Tap. You need your Tap Public Key (test then live) and your Secret Key, both from the Tap merchant dashboard.
Pick the merchant entity per currency. If you have Tap entities in multiple GCC countries, HIBR maps each invoice's currency to the right Tap entity for clean settlement.
1 round-trip test. HIBR runs the live test charge and immediate refund to confirm credentials, callbacks, and the payout file format.
Map deposit and fee accounts. Select the AED operating account and the MDR expense GL.
Enable channels. Invoice pay-links, online store, WhatsApp, recurring — tick what you need.

Use cases

Dubai e-commerce brand selling across the GCC. Ships beauty products to KSA, Kuwait, and Bahrain. With Tap as the gateway on HIBR's storefront, Saudi customers pay with mada, Kuwaitis pay with KNET, and Bahrainis with BENEFIT Pay. Conversion lifted measurably versus a Visa-only checkout, and all three currencies consolidate to one AED ledger.

Sharjah-based regional retainer agency. Bills monthly retainers to clients in Riyadh, Kuwait City, and Manama. Each retainer is a HIBR subscription on Tap; cards are tokenised; HIBR triggers the monthly charge; the SAR/KWD/BHD collections land as one AED deposit per day.

Abu Dhabi-based digital course creator. Sells a one-time 2,499 course plus an upsell of a Kuwait-only KWD 199 add-on. Tap supports KNET for the Kuwaiti add-on (most Kuwaiti buyers prefer KNET over card), and HIBR books both products into the same revenue recognition flow.

Pricing. The Tap Payments integration is included free in HIBR ERP Lite (199/mo), Pro (499/mo), and Enterprise. Tap's standard rates are 2.85% + 1 for international cards and 2.49% + 1 for UAE-issued cards; KNET is typically a flat fee of around KWD 0.150 per transaction. HIBR adds no fees on the funds flow.

Frequently asked questions

If I'm UAE-only, should I bother with Tap?

Probably not — Telr or Network International will serve you better with the longest UAE track record. Tap is the right choice the moment Saudi, Kuwait, or Bahrain revenue becomes more than a small share of your sales. For UAE-only businesses, Tap can sit as a fallback gateway behind a primary UAE one.

Does Tap support 3D Secure 2?

Yes, across all UAE-issued and GCC-issued cards. HIBR automatically routes high-value or higher-risk transactions through 3DS2 challenge flows; SCA exemptions apply for low-value transactions per the Tap rule engine.

Can I disable certain payment methods at checkout?

Yes. HIBR exposes a method-toggle per channel per region — for example, KNET only on Kuwait-targeted product pages, or AmEx off if you don't want to pay AmEx's higher MDR. Toggles take effect immediately.

Wire Tap to HIBR ERP today

Free in every tier. GCC-native checkout, AED settlement, one ledger across countries. Beta launches October 2026.

Join the waitlist →