Comparison

Ziina vs Pay10 UAE

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Ziina

This app provides a fast and secure platform for individuals and businesses in the UAE to send, receive, and manage money. It offers features for personal payments, business transactions, and contactless payment acceptance directly on an iPhone.

Highlights
  • Send and receive money instantly
  • Accept contactless payments on iPhone
  • Business payment processing
  • Digital payment card
  • Secure payment gateway integration
  • Payment links and keyboard
Features
Read full description

Ziina is the fast, secure way for individuals and businesses in the UAE to send, receive and manage money. Whether you’re growing your business or paying your share of the rent, Ziina helps you move money simply and safely. ZIINA VIOLET Ziina Violet is a membership built for how you live, work and move in the UAE. Enjoy premium monthly benefits from 12 brands and services like ClassPass, SALT, Ounass and more. From workouts and coffee runs to fuel delivery and laundry, Ziina Violet gets you more from the things you already do—and pays for itself with just 1-2 benefits. Plus, enjoy monthly cashback, 0 currency fees online or abroad, priority support and your exclusive Violet Card. ZIINA PERSONAL Ziina makes transfers as easy as a text. Send or receive payments in seconds, whether you’re splitting dinner, paying a friend back or covering the little things that make up everyday life. Accept payments through QR codes or payment links, with support for credit cards, Apple Pay and Google Pay. Everything stays secure, organized and easy to track in your Ziina account. Keep your balance for future spending or cash out instantly. ZIINA BUSINESS Ziina Business is the one-stop shop for all your business needs. Get 1,000 AED in fee-free processing when you join. Plus, when you invite another business to the Ziina family, both of you can earn an extra 5,000 AED in free processing. Whether you're launching a startup or managing an established business, Ziina Business is here to help you with all the tools you need to keep your business running smoothly. ZIINA CARD Spend your Ziina balance directly with your digital Ziina Card. Use your funds to cover your business or personal expenses, and manage everything in one place. Add your card to your Apple or Google wallet and enjoy 0 currency fees on all non-AED spend, online and abroad. TAP TO PAY ON iPHONE With Tap to Pay on iPhone and Ziina, you can accept contactless, in-person payments directly on your iPhone—no extra hardware needed. Just open the Ziina app and start accepting payments in seconds. Fast, secure and ideal for cafes, salons, fitness studios, pop-ups and mobile businesses. SECURE PAYMENT GATEWAY Ziina’s payment gateway integrates seamlessly with Shopify, WooCommerce, WordPress and custom websites. Accept payments in up to 10 currencies, making it easy to sell locally and internationally while keeping cashflow secure and easy to manage. PAYMENT LINKS Create and send secure payment links on demand. Get paid by customers via Visa, Mastercard, AMEX, Apple Pay or Google Pay—locally or internationally. PAYMENT KEYBOARD Send invoices without leaving your chats. With ZiiBoard, create and send payment requests directly inside WhatsApp, Instagram or any messaging app. No switching apps. No lost conversations. QR STANDS AND NFC CARDS Accept in-person payments anywhere with custom QR stands and NFC cards—simple, fast, and ready for pop-ups, markets or mobile stalls. Customers scan or tap and pay with Apple Pay, Google Pay or their card. Funds appear instantly in your Ziina account. FAST CASH OUTS Ziina supports all UAE banks, including RAKBANK, ADCB, Emirates NBD, Citibank UAE, HSBC and more. Transfers arrive within a few hours, at most 1-2 working days. PRIVACY AND SECURITY Ziina Payment LLC is licensed by the Central Bank of the UAE (License No. 1112672). Your account is protected with biometric authentication and PCI-DSS–certified technology to safeguard payment card information. Get paid the Ziina way. Download the app today to sign up and get started in under a minute.

About

Pay10 UAE

Easily send and receive money with contacts, link to your UAE bank account for seamless payments, and shop with your digital wallet. Securely pay by scanning QR codes and track your spending with real-time notifications.

Highlights
  • Send and receive money
  • Link UAE bank account
  • Shop with digital wallet
  • QR code payments
  • Real-time notifications
  • Spending tracking
Features
Read full description

Send and receive money with a quick tap from your Pay10 contacts. Link Pay10 wallet to your UAE bank account for seamless payments and enjoy new Open Finance experience. Shop for your favorite brands with your Pay10 Wallet, instore and online. Simply scan the QR code for secure and easy payments. No manual data entry. No errors. Get real-time notifications and track your spending your way. Download Pay10 today and take charge of your digital payments! Pay Ten Payment Services Provider LLC (Pay10) is an authorized Open Finance Third-Party Provider, licensed and regulated by the Central Bank of the UAE.

Screenshots

Ziina4 screens
Pay10 UAE4 screens

Verdict

The call

The clearest difference is ads: Pay10 UAE at none against Ziina's shown. Pay10 UAE also leads on monetization model (free vs free with in-app purchases) and rating (5.0 vs 4.7). Ziina's advantage is ratings volume (800 vs 1). On price, update cadence, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Pay10 UAE holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Ziina has 800 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly weekly. The most recent releases landed on September 24, 2026 and September 20, 2026 respectively.

Scorecard5 real differences · 5 level
Ziina versus Pay10 UAE: the parameters behind the verdict, then further details
ParameterZiinaPay10 UAE
PriceFreeFree
Rating4.7 (800 ratings)5.0 (1 ratings) — better
Positive reviews54.5% of reviews
Number of ratings800 — better1
Update frequencyWeeklyWeekly
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhoneiPhone, iPod — better
Requires iOS17.013.0 — better
Further details — not scored
Size352 MB206 MB
Age rating4+4+
DeveloperZiina, IncPay Ten Payment Services Provider LLC

Customer experience

Ziina

All ratings800 ratings
Positive93.3%
Neutral1.3%
Negative5.5%
Written reviews167 reviews
Positive54.5%
Neutral1.2%
Negative44.3%

Pay10 UAE

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Ziina

Reported bugs

5 issues
  • Transaction glitch on Feb 25 2025 with missing payments
  • Account verification stuck for extended periods
  • KYC process rejecting valid documents repeatedly
  • Cashout requests held beyond stated 2 working day SLA
  • Transaction rejection causing account closure

Requested features

4 requests
  • Expansion to Qatar market
  • Phone support line instead of WhatsApp only
  • Multiple support channels for better accessibility
  • Clearer communication on account status changes

Pay10 UAE

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Ziina

No in-app purchases

None

Pay10 UAE

No in-app purchases

Questions

Is Ziina free?
Ziina is free to download, with no in-app purchases.
Is Pay10 UAE free?
Pay10 UAE is free to download, with no in-app purchases.
Which has better reviews, Ziina or Pay10 UAE?
Pay10 UAE is rated higher. Ziina averages 4.7 out of 5 from 800 ratings, while Pay10 UAE averages 5.0 from 1 ratings.
Do Ziina or Pay10 UAE have ads?
Ziina shows ads; Pay10 UAE does not.
Which is updated more often, Ziina or Pay10 UAE?
Ziina ships an update weekly, and Pay10 UAE weekly. Most recently, Ziina was updated on September 24, 2026 and Pay10 UAE on September 20, 2026.

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