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About PaytreePaytree is a payment solutions brand working in partnership with Arab Financial Services (AFS) to bring payment acceptance solutions to businesses in the UAE.
Paytree focuses on helping UAE businesses understand, select and adopt the right payment acceptance solutions for how they sell — online, in-store and on the go. Through the partnership with AFS, merchants gain access to a broad payment acceptance portfolio together with merchant tools for managing payment operations.
Guidance — matching solutions to how you sell.
Local presence — a UAE-based team, in your time zone.
Onboarding help — from enquiry to first transaction.
Acquiring platform — in-store, online and links.
Merchant tools — superapp, portal & analytics.
Regulated infrastructure — licensed & certified.
Your merchant-facing payment solutions brand
Regional payments platform & technology
The payment technology partner behind Paytree — a regional payments and acquiring specialist, live across the GCC and Egypt.
AFS is owned by 36 regional banks and financial institutions, of which Bank ABC is the majority shareholder. That banking DNA — not just technology — sits behind every transaction the platform powers.
From its headquarters in Bahrain, AFS runs live acquiring operations in the UAE, Oman, Bahrain and Egypt — powering payments for merchants across every market segment and channel, every day.
“The home of payments”
Central Bank of the UAE (CBUAE) — licensed under RPSC Category 2 as an Acquirer.
Central Bank of Bahrain (CBB) — licensed as an Ancillary Services Provider and Payment Services Provider.
Central Bank of Egypt (CBE) — licensed as a Payment Facilitator / Payment Services Provider.
AFS is a Principal Member of both Mastercard and Visa — acquiring relationships held directly with the world's leading card schemes.
PCI DSS certified for card data security.
ISO 27001 certified for Information Security Management.
ISO 22301 certified for Business Continuity Management.