{"id":3102,"date":"2025-05-31T21:42:13","date_gmt":"2025-05-31T13:42:13","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3102"},"modified":"2025-05-31T21:42:13","modified_gmt":"2025-05-31T13:42:13","slug":"%e4%b8%ad%e4%b8%9c%e6%94%af%e4%bb%98%e5%ae%89%e5%85%a8%e5%90%97%ef%bc%9f%e4%b8%80%e6%96%87%e8%a7%a3%e6%9e%90%e9%a3%8e%e9%99%a9%e4%b8%8e%e8%a7%a3%e5%86%b3%e6%96%b9%e6%a1%88","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/31\/%e4%b8%ad%e4%b8%9c%e6%94%af%e4%bb%98%e5%ae%89%e5%85%a8%e5%90%97%ef%bc%9f%e4%b8%80%e6%96%87%e8%a7%a3%e6%9e%90%e9%a3%8e%e9%99%a9%e4%b8%8e%e8%a7%a3%e5%86%b3%e6%96%b9%e6%a1%88\/","title":{"rendered":"Are Middle East Payments Safe? An article explaining the risks and solutions"},"content":{"rendered":"

Payment security in the Middle East varies by country, technology infrastructure and regulatory environment. Here's a breakdown in terms of both risk and solution dimensions:<\/p>\n

\n

I. Main risk factors<\/strong><\/h3>\n
    \n
  1. \n

    regional disparity<\/strong><\/p>\n

      \n
    • Gulf countries (e.g., UAE, Saudi Arabia) have better payment infrastructure and high PCI DSS compliance rates; however, some conflict areas (e.g., Yemen, Syria) are significantly more at risk.<\/li>\n
    • According to Visa 2023 data, the Middle East's credit card fraud rate averages 0.081 TP3T, which is lower than the global average (0.11 TP3T), but dispute handling mechanisms for non-card payments (e.g., local wallets) are immature.<\/li>\n<\/ul>\n<\/li>\n
    • \n

      technical shortcoming<\/strong><\/p>\n

        \n
      • Some small and medium-sized merchants still rely on MOTO transactions (phone\/mail swipes) and lack CVV dynamic verification.<\/li>\n
      • The Middle East Cyber Security Association reported that 43% of POS terminals in the region had not completed EMV chip upgrades in 2022.<\/li>\n<\/ul>\n<\/li>\n
      • \n

        Regulatory fragmentation<\/strong><\/p>\n

          \n
        • The UAE has implemented the Electronic Transactions Law requiring Strong Customer Authentication (SCA), but countries such as Iraq are still cash-dominated and online payments are poorly regulated.<\/li>\n<\/ul>\n<\/li>\n
        • \n

          Cultural specificity<\/strong><\/p>\n

            \n
          • COD (Cash on Delivery) accounted for as much as 651 TP3T (Statista 2023), leading to the risk of funds being retained in the logistics chain.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n
            \n

            II. Targeted solutions<\/strong><\/h3>\n

            (1) Risk control on the enterprise side<\/h4>\n
              \n
            • sandbox testing<\/strong>: Simulate local payment process vulnerabilities through sandbox environments such as the Dubai International Financial Centre (DIFC) before expanding into new markets.<\/li>\n
            • case (law)<\/em>: Careem Pay discovers and fixes QR code duplicate debit vulnerability via ADGM Sandbox in Abu Dhabi.<\/li>\n<\/ul>\n

              (2) Technology Adaptation<\/h4>\n
                \n
              • mandatory option<\/em>: Access to local acquirers such as Network International (UAE), Geidea (Saudi Arabia), whose systems have built-in delayed payment validation modules that comply with Islamic finance rules.<\/li>\n
              • Enhanced term<\/em>: Deployment of AI risk control tools requires training NLP models containing Arabic variants to recognise fraudulent discourse.<\/li>\n<\/ul>\n

                (3) User education<\/h4>\n
                  \n
                • Design of multilingual anti-fraud tips: including slang versions of Arabic dialects (e.g. the Egyptian dialect \"\u0625\u062d\u062a\u064a\u0627\u0644\" is easier to understand than the standard \"\u063a\u0634\").<\/li>\n
                • COD Optimisation Solution: Insuring Rejected Parcels - Aramex's 'COD Insurance' covers up to 80% shipment loss.<\/li>\n<\/ul>\n
                  \n

                  III. Compliance priority list<\/strong><\/h3>\n\n\n\n\n\n\n\n
                  nations<\/th>\nPCI DSS Mandatory Level<\/th>\nEntry into force of the SCA<\/th>\nspecial requirement<\/th>\n<\/tr>\n<\/thead>\n
                  UAE<\/td>\nLevel 1<\/td>\nYes<\/td>\nRequires additional storage of transaction records for 10 years<\/td>\n<\/tr>\n
                  KSA<\/td>\nLevel 1<\/td>\nYes<\/td>\nVAT invoice must contain QR code<\/td>\n<\/tr>\n
                  Egypt<\/td>\nLevel 2<\/td>\nNo<\/td>\nCross-border subscription-based debit prohibited under central bank exchange controls<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
                  \n

                  IV. Expert recommendations<\/strong><\/h3>\n

                  Recommended phased implementation for companies planning to enter the Middle East market:<\/p>\n

                  graph TD
                  \r\n    A [Phase I: Kuwait\/Bahrain pilot] --> B [Access to aggregation gateways such as PayTabs]
                  \r\n    B --> C {Monthly average denial rate <2%?}
                  \r\n    C -- yes --> D [phase II: advance to Saudi Arabia]
                  \r\n    C --no --> E [Enhanced Address Checking API]
                  \r\n<\/code><\/pre>\n
                  It is recommended to attend the GITEX Future Stars Summit every year to get the latest attack and defence cases. The DIFC Court in Dubai has now established a fast-track notarisation of digital evidence, which can compress the dispute resolution cycle from 90 days to 21 days.<\/p>\n
                  \n
                  V. In-depth risk dismantling and advanced solutions<\/strong><\/h3>\n
                  1. Covert risk: payment anomalies triggered by religious holidays<\/strong><\/h4>\n
                    \n
                  • impunity<\/strong>: A surge of 3,00% in nightly transactions during Ramadan (Qatar Central Bank 2023 report), but a rise of 47% in fraud reporting over the same period, stemming mainly from:\n
                      \n
                    • Operational fatigue leads to lapses in manual review<\/li>\n
                    • Limited-time promotions such as \"Iftar packs\" have spawned fake traders<\/li>\n<\/ul>\n<\/li>\n
                    • prescription<\/em>::\n
                      # Adding Ramadan Special Parameters to the Risk Control Rules Engine
                      \r\ndef ramadan_rule(transaction).
                      \r\n    if is_ramadan and transaction.hour in [20,23]: 
                      \r\n        require_biometric = True # Force Face Recognition
                      \r\n        limit_amount = max(500, transaction.amount*0.7) # dynamically adjusts the limit downwards
                      \r\n    return decision_matrix
                      \r\n<\/code><\/pre>\n<\/li>\n<\/ul>\n
                      2. Cross-border financial flow traps<\/strong><\/h4>\n
                        \n
                      • case (law)<\/strong>: Turkish e-commerce platform Trendyol has caused payments from Saudi users to be stopped by customs for failing to withhold the 15% digital services tax.<\/li>\n
                      • Compliance tools<\/em>: Automatically calculate taxes using localised solutions such as Bahrain's 'Benefit Pay', whose API is integrated:<\/li>\n<\/ul>\n\n\n\n\n\n\n
                        nations<\/th>\nVAT withholding<\/th>\nZakat (Islamic Zakat)<\/th>\naging (metallurgy)<\/th>\n<\/tr>\n<\/thead>\n
                        Omani<\/td>\n5%<\/td>\nN\/A<\/td>\nT+1<\/td>\n<\/tr>\n
                        Iranian<\/td>\n9% +2% religious tax<\/td>\nYes<\/td>\nT+3<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
                        \n
                        VI. Mapping of emerging technology applications<\/strong><\/h3>\n
                        pie 
                        \r\n    title Middle East anti-fraud technology adoption rate (2024)
                        \r\n    \"Biometric Payments\" :38%
                        \r\n    \"Blockchain Clearing\" :22%
                        \r\n    \"AI Voice Nucleus (Arabic Dialect)\":27%
                        \r\n    \"Other\":13%
                        \r\n<\/code><\/pre>\n
                        \u25b6\ufe0f Biometric Practice Points:<\/h4>\n
                          \n
                        • Pupil Recognition Adaptability Test<\/strong>: Need to optimise IR penetration algorithms for female users wearing niqab (veil) - UAE ADIB Bank made recognition pass rate from 72% \u2192 94% by increasing the wavelength to 850nm.<\/li>\n<\/ul>\n
                          \u25b6\ufe0f Blockchain Application Alert:<\/h4>\n
                          While Dubai allows cryptocurrency payments, beware:<\/p>\n
                          + Fiat currency exchange for VASP licence holders (e.g. Binance Dubai)
                          \r\n- NFT goods must additionally apply for a DMCC licence (cost approx. $15k)
                          \r\n<\/code><\/pre>\n
                          \n
                          VII. Comparative table of dispute settlement mechanisms<\/strong><\/h3>\n\n\n\n\n\n\n\n
                          cash dispute<\/th>\nElectronic payment refusal<\/th>\nCross-border complaints<\/th>\n<\/th>\n<\/tr>\n<\/thead>\n
                          sweet spot<\/td>\nOn-site mediation by the Saudi Ministry of Commerce<\/td>\nDIFC Online Arbitration Tribunal<\/td>\nGCC Joint Consumer Protection Platform<\/td>\n<\/tr>\n
                          Average time spent\u250245 days\u250212 days\u250290+ days\u2502<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
                          Success rate \u250268% \u250289% \u250231% \u2502<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
                          \n
                          VIII. List of final recommendations<\/strong><\/h3>\n
                            \n
                          1. \n
                            [Red Sea Market] Essential Allocation Portfolio<\/strong>:<\/p>\n
                            # Technology Stack Example (Saudi Compliance Minimum Requirements)
                            \r\nSSL Certificate (SAMA Standard) + Tokenisation Service + SCA Exemption Interface for Tamara Installment Payments 
                            \r\n<\/code><\/pre>\n<\/li>\n
                          2. \n
                            Special measures [for highly sensitive industries]<\/strong>:
                            \n-Online Gambling\/Adult Content:Use of Cyprus EMI transit settlement (e.g. Transact365) to circumvent Article 26 of the UAE Financial Crimes Act.<\/p>\n<\/li>\n
                          3. \n
                            [Emergency filing]<\/strong>:
                            \nSign up for a Dubai Smart Police corporate account today to freeze all associated transactions in the event of a large-scale theft with a response time of <15 minutes.<\/p>\n<\/li>\n<\/ol>\n
                            For country-specific acquirer penetration test report templates or sandbox access guides, contact a specialist organisation such as Redsys Middle East for a customised audit.<\/p>","protected":false},"excerpt":{"rendered":"
                            Payment security in the Middle East varies by country, technological infrastructure and regulatory environment...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[35],"tags":[],"class_list":["post-3102","post","type-post","status-publish","format-standard","hentry","category-35"],"yoast_head":"\n\u4e2d\u4e1c\u652f\u4ed8\u5b89\u5168\u5417\uff1f\u4e00\u6587\u89e3\u6790\u98ce\u9669\u4e0e\u89e3\u51b3\u65b9\u6848 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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