{"id":3202,"date":"2025-06-05T15:38:48","date_gmt":"2025-06-05T07:38:48","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3202"},"modified":"2025-06-05T15:38:48","modified_gmt":"2025-06-05T07:38:48","slug":"%e5%a4%96%e5%9b%bd%e4%ba%ba%e5%a6%82%e4%bd%95%e5%9c%a8%e4%b8%ad%e4%b8%9c%e5%9b%bd%e5%ae%b6%e9%a1%ba%e5%88%a9%e4%bd%bf%e7%94%a8%e7%94%b5%e5%ad%90%e6%94%af%e4%bb%98%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/06\/05\/%e5%a4%96%e5%9b%bd%e4%ba%ba%e5%a6%82%e4%bd%95%e5%9c%a8%e4%b8%ad%e4%b8%9c%e5%9b%bd%e5%ae%b6%e9%a1%ba%e5%88%a9%e4%bd%bf%e7%94%a8%e7%94%b5%e5%ad%90%e6%94%af%e4%bb%98%ef%bc%9f\/","title":{"rendered":"How can foreigners use e-payments smoothly in Middle Eastern countries?"},"content":{"rendered":"

Using e-payments in Middle Eastern countries requires special attention to local regulations, religious culture and platform restrictions for foreigners. The following step-by-step guide can help smooth the process:<\/p>\n

I. Preliminary preparations<\/h3>\n
    \n
  1. \n

    Compliance Identity Verification<\/strong><\/p>\n

      \n
    • Ensure that passports are valid for more than 6 months<\/li>\n
    • Preparation of residence visas for Middle Eastern countries (e.g. Saudi IQAMA\/UAE ID)<\/li>\n
    • Some countries require a local mobile phone number (e.g. Saudi STC card)<\/li>\n<\/ul>\n<\/li>\n
    • \n

      Dual Currency Bank Card<\/strong><\/p>\n

        \n
      • Visa\/Mastercard with MEEZA network (required in Egypt etc.)<\/li>\n
      • It is recommended to bring a physical card that supports Apple Pay\/Google Pay.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n

        II. Mainstream platform selection<\/h3>\n\n\n\n\n\n\n\n\n
        nations<\/th>\nRecommended Platforms<\/th>\nForeign investment access policy<\/th>\n<\/tr>\n<\/thead>\n
        UAE<\/td>\nCareem Pay<\/td>\nSupport international credit card top-up<\/td>\n<\/tr>\n
        abbr. for Saudi Arabia<\/td>\nSTC Pay<\/td>\nrequire local SIM card binding<\/td>\n<\/tr>\n
        Egypt<\/td>\nFawry<\/td>\nOver 100,000 cash recharge points<\/td>\n<\/tr>\n
        Turkey<\/td>\nPapara<\/td>\nEU standard KYC is sufficient<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
          <\/p>\n
        1. Religious Adaptation Function<\/strong><\/li>\n<\/ol>\n
            \n
          • Sadad system (Gulf States) support for Islamic finance module<\/li>\n
          • Avoid interest services: choose a Sharia-compliant app such as BenefitPay<\/li>\n<\/ul>\n

            III. Practical skills<\/p>\n

              \n
            1. recharge<\/strong><\/li>\n<\/ol>\n
                \n
              • UAE Exchange counter cash \u2192 digital wallet (handling fee approx. 1.5%)<\/li>\n
              • Hotel billing: most 5-star hotels can recharge on your behalf<\/li>\n<\/ul>\n
                  <\/p>\n
                1. Cross-border payments<\/strong><\/li>\n<\/ol>\n
                    \n
                  • Western Union and Zain Cash cooperation programme (Iraq \u2192 Jordan in as little as 3 minutes)<\/li>\n
                  • RIA Money special channel supports Syrian remittances<\/li>\n<\/ul>\n
                      <\/p>\n
                    1. Security settings<\/strong>
                      \nBe sure to turn it on:<\/li>\n<\/ol>\n
                        \n
                      • SIM card PIN code protection<\/li>\n<\/ul>\n

                        IV. Payment Scenario Solutions<\/strong><\/h3>\n

                        1. Daily consumption (supermarkets\/restaurants\/taxis)<\/strong><\/h4>\n

                        \u2705 Recommended Approach:<\/strong><\/p>\n

                          \n
                        • Apple Pay \/ Google Pay (UAE, Saudi Arabia)<\/strong> \u2192 Direct binding of international credit cards, covering 80% merchants<\/li>\n
                        • Local wallet scanning (e.g. STC Pay, Careem Pay)<\/strong> \u2192 Need to top up cash or bind a local bank card first<\/li>\n<\/ul>\n

                          \u26a0\ufe0f Attention:<\/strong><\/p>\n

                            \n
                          • Some small shops only support cash or local wallets (e.g. Egyptian Fawry code)<\/li>\n
                          • Taxi apps such as Uber\/Careem usually accept international cards, but may charge an additional 3% cross-border handling fee<\/li>\n<\/ul>\n
                            \n

                            2. Online shopping & subscription services<\/strong><\/h4>\n

                            \u2705 Recommended Approach:<\/strong>
                            \n| Platforms | Available Payment Methods | Tips |
                            \n|—————|———————————-|——————————-|
                            \n| Noon\/Aramex | Tabby instalment (4 interest-free instalments in Saudi Arabia\/UAE) | Foreigners need to provide ID copy |
                            \n| Netflix Middle East | Fawry Cash Recharge Code (Cheapest Package in Egypt) | VPN may cause payment failure |
                            \n| Steam Middle East | OneCard Virtual Card (cheaper in Turkish Lira) | Requires Turkish IP registration |<\/p>\n

                            \u26a0\ufe0f A guide to avoiding the pit:<\/strong><\/p>\n

                              \n
                            • Amazon.ae accepts international cards, but delivery of certain items is limited to local bank cards only<\/li>\n
                            • Spotify Middle East needs to be replaced with Anghami (blocked in some countries)<\/li>\n<\/ul>\n
                              \n

                              V. Large-value transactions & B2B payments<\/strong><\/h3>\n

                              (1) Property \/ Car Purchase<\/strong><\/h4>\n

                              \ud83d\udd39 Compliance Path<\/em>::<\/p>\n

                                \n
                              1. UAE dirham wire transfer \u2192 via Mashreq NeoBiz account<\/li>\n
                              2. Payment by Saudi cheque \u2192 You need to bring IQAMA to the bank counter for processing<\/li>\n
                              3. Turkey Exchange Control \u2192 Payment after exchange with Papara Business account<\/li>\n<\/ol>\n

                                \ud83d\udca1 finesse<\/em>::<\/p>\n

                                  \n
                                • Dubai real estate agents generally accept BTC transfers (via BitOasis exchange compliant exchange)<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"

                                  The use of electronic payments in Middle Eastern countries for foreigners requires special attention to local regulations, religious...<\/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-3202","post","type-post","status-publish","format-standard","hentry","category-35"],"yoast_head":"\n\u5916\u56fd\u4eba\u5982\u4f55\u5728\u4e2d\u4e1c\u56fd\u5bb6\u987a\u5229\u4f7f\u7528\u7535\u5b50\u652f\u4ed8\uff1f - 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, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/en\/2025\/06\/05\/\u5916\u56fd\u4eba\u5982\u4f55\u5728\u4e2d\u4e1c\u56fd\u5bb6\u987a\u5229\u4f7f\u7528\u7535\u5b50\u652f\u4ed8\uff1f\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5916\u56fd\u4eba\u5982\u4f55\u5728\u4e2d\u4e1c\u56fd\u5bb6\u987a\u5229\u4f7f\u7528\u7535\u5b50\u652f\u4ed8\uff1f\" \/>\n<meta property=\"og:description\" content=\"\u5728\u4e2d\u4e1c\u56fd\u5bb6\u4f7f\u7528\u7535\u5b50\u652f\u4ed8\u5bf9\u5916\u56fd\u4eba\u6765\u8bf4\u9700\u8981\u7279\u522b\u6ce8\u610f\u5f53\u5730\u6cd5\u89c4\u3001\u5b97\u6559…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/06\/05\/\u5916\u56fd\u4eba\u5982\u4f55\u5728\u4e2d\u4e1c\u56fd\u5bb6\u987a\u5229\u4f7f\u7528\u7535\u5b50\u652f\u4ed8\uff1f\/\" \/>\n<meta property=\"og:site_name\" content=\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-05T07:38:48+00:00\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/05\/%e5%a4%96%e5%9b%bd%e4%ba%ba%e5%a6%82%e4%bd%95%e5%9c%a8%e4%b8%ad%e4%b8%9c%e5%9b%bd%e5%ae%b6%e9%a1%ba%e5%88%a9%e4%bd%bf%e7%94%a8%e7%94%b5%e5%ad%90%e6%94%af%e4%bb%98%ef%bc%9f\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/05\/%e5%a4%96%e5%9b%bd%e4%ba%ba%e5%a6%82%e4%bd%95%e5%9c%a8%e4%b8%ad%e4%b8%9c%e5%9b%bd%e5%ae%b6%e9%a1%ba%e5%88%a9%e4%bd%bf%e7%94%a8%e7%94%b5%e5%ad%90%e6%94%af%e4%bb%98%ef%bc%9f\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u5916\u56fd\u4eba\u5982\u4f55\u5728\u4e2d\u4e1c\u56fd\u5bb6\u987a\u5229\u4f7f\u7528\u7535\u5b50\u652f\u4ed8\uff1f\",\"datePublished\":\"2025-06-05T07:38:48+00:00\",\"dateModified\":\"2025-06-05T07:38:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/05\/%e5%a4%96%e5%9b%bd%e4%ba%ba%e5%a6%82%e4%bd%95%e5%9c%a8%e4%b8%ad%e4%b8%9c%e5%9b%bd%e5%ae%b6%e9%a1%ba%e5%88%a9%e4%bd%bf%e7%94%a8%e7%94%b5%e5%ad%90%e6%94%af%e4%bb%98%ef%bc%9f\/\"},\"wordCount\":89,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"articleSection\":[\"\u4e2d\u4e1c\u652f\u4ed8\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.deekpay.com\/2025\/06\/05\/%e5%a4%96%e5%9b%bd%e4%ba%ba%e5%a6%82%e4%bd%95%e5%9c%a8%e4%b8%ad%e4%b8%9c%e5%9b%bd%e5%ae%b6%e9%a1%ba%e5%88%a9%e4%bd%bf%e7%94%a8%e7%94%b5%e5%ad%90%e6%94%af%e4%bb%98%ef%bc%9f\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/05\/%e5%a4%96%e5%9b%bd%e4%ba%ba%e5%a6%82%e4%bd%95%e5%9c%a8%e4%b8%ad%e4%b8%9c%e5%9b%bd%e5%ae%b6%e9%a1%ba%e5%88%a9%e4%bd%bf%e7%94%a8%e7%94%b5%e5%ad%90%e6%94%af%e4%bb%98%ef%bc%9f\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/06\/05\/%e5%a4%96%e5%9b%bd%e4%ba%ba%e5%a6%82%e4%bd%95%e5%9c%a8%e4%b8%ad%e4%b8%9c%e5%9b%bd%e5%ae%b6%e9%a1%ba%e5%88%a9%e4%bd%bf%e7%94%a8%e7%94%b5%e5%ad%90%e6%94%af%e4%bb%98%ef%bc%9f\/\",\"name\":\"\u5916\u56fd\u4eba\u5982\u4f55\u5728\u4e2d\u4e1c\u56fd\u5bb6\u987a\u5229\u4f7f\u7528\u7535\u5b50\u652f\u4ed8\uff1f - 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