Do my customers need to have the Ziina app installed to pay me?

No. Ziina's hosted Pay-by-Link page accepts UAE-issued cards from any payer, in addition to in-app wallet transfers from Ziina account holders. So even customers without the app can pay; Ziina users just get a smoother in-app flow.

How fast does Ziina settle to my UAE bank account?

Ziina typically posts daily payouts in AED to your registered UAE bank account on a T+1 cycle for most merchants. HIBR fetches the payout file via API and reconciles each line to the originating invoice automatically.

Is Ziina regulated in the UAE?

Yes. Ziina holds a Stored Value Facility (SVF) licence from the UAE Central Bank under the framework derived from Federal Decree-Law 14/2018 on the settlement of payment systems and electronic payment services. Funds are held in segregated trust accounts at UAE-licensed banks.

Ziina Integration — HIBR ERP | UAE Wallet Auto-Reconciled

Ziina is the UAE's homegrown mobile-wallet challenger. Founded in Dubai and licensed by the UAE Central Bank as a Stored Value Facility (SVF) under the framework derived from Federal Decree-Law 14/2018 on payment systems and electronic payment services, Ziina started as a peer-to-peer money app and has built out a fast, UAE-native person-to-business (P2B) rail that is now standard at thousands of UAE freelancers, F&B venues, beauty businesses, and SMB service providers. Its Pay-by-Link product accepts both wallet-to-wallet transfers and UAE-issued cards on the same hosted page, settles in AED to any UAE bank, and works particularly well for small-ticket, social-commerce, and informal businesses that previously asked customers to bank-transfer. Inside HIBR ERP, Ziina is wired in natively: every invoice you raise can carry a Ziina pay-link alongside (or instead of) the card option, every settlement is matched line-by-line to its invoice, and your ledger stays closed.

What this integration does

Ziina pay-link on every invoice. When you send an invoice from HIBR ERP, the PDF and WhatsApp message can include a "Pay with Ziina" button alongside the card option. Customer opens it on their phone, pays via the Ziina app or a card, invoice closes automatically.
QR posters for in-store and table-side. HIBR generates a printable Ziina QR poster for each store or table. Customer scans, pays, the receipt prints on the HIBR POS — no terminal needed.
WhatsApp pay-link flows. Combine the WhatsApp Business integration with Ziina to send pay-links over WhatsApp at the point of order. Strong fit for beauty, tutoring, photography, and home-services bookings.
Daily settlement reconciliation. Ziina posts daily payouts in AED to your registered UAE bank account. HIBR ingests the settlement file via API, matches each line to the originating invoice, books Ziina's fee as an expense.
Refunds from the invoice. Hit Refund on a HIBR invoice; the refund is processed in Ziina, a credit note is created in HIBR, the ledger is reversed, and VAT is adjusted under FTA rules.
Pay-by-Link links for ad-hoc requests. Generate a one-off Ziina link from a HIBR estimate or a manual amount without raising a full invoice — useful for deposits, top-ups, and informal sales.

Setup in 5 minutes

Open HIBR ERP → Settings → Payments → Add gateway → Ziina. You'll need your Ziina merchant business ID and API key from the Ziina Business app's Developer section.
Paste credentials, select your AED deposit account. HIBR mirrors your Ziina settlement account as a ledger account.
Run a 1 AED test charge and refund. HIBR sends a self-payment, verifies the webhook and the settlement reference, and refunds it. About 60 seconds.
Pick the channels. Enable Ziina on customer invoices, WhatsApp pay-links, online store, and printable QR posters per branch.
Choose default payment-method order. If you accept both Ziina and a card gateway, set Ziina as primary or secondary on the customer pay page. Save.

Use cases

Dubai freelance photographer — deposits over WhatsApp. Sends a 50% booking deposit request as a HIBR estimate via WhatsApp with a Ziina link. Client taps, pays from the wallet in under 30 seconds, the deposit is booked against the project, and a calendar block is auto-created. Final invoice goes out on shoot day.

Marina beauty salon — QR on the chair-side mirror. Every chair has a Ziina QR poster generated by HIBR. Client scans at the end of service, pays from the app or card, and the receipt prints automatically. No card terminal rental, no T+2 wait — same-day settlement to the salon's Emirates NBD account.

Abu Dhabi private tutor — recurring monthly billing. Bills 14 students 600/month. HIBR raises invoices on the 1st with both a Ziina link and a card link. Around 60% pay via Ziina (faster for parents, lower fee for the tutor). Reconciliation, VAT on tutoring services, and renewals all auto-run inside HIBR.

Pricing. The Ziina integration is included free in HIBR ERP Lite (199/mo), Pro (499/mo), and Enterprise (14,990/yr). You pay Ziina's standard P2B fees directly — generally lower than card-gateway MDR for wallet-to-wallet transfers and competitive with card gateways for card-funded payments. HIBR adds no markup.

Frequently asked questions

Can Ziina run alongside my card gateway?

Yes. Most HIBR customers run Ziina alongside Telr, Tap, or Checkout.com. The customer's pay page offers them both. HIBR reconciles each payment to the correct settlement file based on which rail processed it.

Is Ziina suitable for higher-ticket B2B invoices?

Ziina is well-suited for small and mid-ticket P2B flows — sub-50,000 invoices are its sweet spot. For larger B2B amounts, most HIBR customers still default to bank transfer or card; Ziina remains available as an alternative.

What about chargebacks and disputes?

Ziina handles wallet-to-wallet disputes through its app and card disputes under the card network rules. HIBR mirrors any reversed transaction as a credit-note adjustment automatically, with VAT reversal under FTA rules where applicable.

Wire Ziina to HIBR ERP in under 10 minutes

Free integration in every tier. UAE-native wallet pay-links on every invoice. Beta launches October 2026 — join the waitlist for founding-customer pricing.

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