Payment Solutions Made Easy
Take payments your way with UTap, from AED 50/month (excluding 5% VAT).
Multi-channel, convenient and quick
UTap brings simple collections and smart automation together in one payment solution. It combines secure payment processing, automation tools and smart features on a single platform – with flexible plans, POS hardware and managed services such as third-party integrations – so you can sell online and in store and run every step more smoothly.
Fast Setup
Minimal paperwork, so you can start accepting payments in no time.
Low Transaction Fees
Certified, bank-approved hardware and software.
All-in-One Platform
Manage payments, sales, inventory and customers in one place.
Choose your UTap pack
Pick a contract length, then the pack that matches how you take payments. All prices exclude 5% VAT.
UTap
Flexi Pay Pack
AED 50/month
36-month contract
5% VAT excluded
- Everything in Starter Package + UTAP Payment Device
- Credit/Debit Card Terminal
- Accepts EMV, NFC, mega-strip, and contactless transactions
- Complete transaction reporting
- Void transaction in case of reversal
- Supports Pre-Auth hold and Pre-Auth complete
One-time device cost: AED 959
UTap
Starter Pack
AED 50/month
36-month contract
5% VAT excluded
- SMB Payment Mobile App
- Use Phone As A Payment Terminal
- Customer-managed Key Provisioning
- Digital QR Code Scanning
- eCommerce Weblink
- Accepts Apple Pay & Other Digital Wallets
No additional features
UTap
Premium Pack
AED 99/month
36-month contract
5% VAT excluded
- Credit/Debit Card Terminal
- Accepts Europay, Mastercard, and Visa
- Accepts NFC (Near-field communication)
- Accepts contactless + traditional mega-strip
- Merchant Portal for Transaction Reporting
- Multi Store & User Support
Includes all Starter Pack features
UTap
Elite Pack
AED 250/month
36-month contract
5% VAT excluded
- Cloud ECR Software/Business Automation Tools
- Order, Inventory & Customer Management
- POS Reporting
- eCommerce
- POS Terminal
- Cash Drawer
Includes all Starter & Premium Pack features
UTap
Flexi Pay Pack
AED 55/month
24-month contract
5% VAT excluded
- Everything in Starter Package + UTAP Payment Device
- Credit/Debit Card Terminal
- Accepts EMV, NFC, mega-strip, and contactless transactions
- Complete transaction reporting
- Void transaction in case of reversal
- Supports Pre-Auth hold and Pre-Auth complete
One-time device cost: AED 959
UTap
Starter Pack
AED 55/month
24-month contract
5% VAT excluded
- SMB Payment Mobile App
- Use Phone As A Payment Terminal
- Customer-managed Key Provisioning
- Digital QR Code Scanning
- eCommerce Weblink
- Accepts Apple Pay & Other Digital Wallets
No additional features
UTap
Premium Pack
AED 115/month
24-month contract
5% VAT excluded
- Credit/Debit Card Terminal
- Accepts Europay, Mastercard, and Visa
- Accepts NFC (Near-field communication)
- Accepts contactless + traditional mega-strip
- Merchant Portal for Transaction Reporting
- Multi Store & User Support
Includes all Starter Pack features
UTap
Elite Pack
AED 329/month
24-month contract
5% VAT excluded
- Cloud ECR Software/Business Automation Tools
- Order, Inventory & Customer Management
- POS Reporting
- eCommerce
- POS Terminal
- Cash Drawer
Includes all Starter & Premium Pack features
UTap
Flexi Pay Pack
AED 61/month
12-month contract
5% VAT excluded
- Everything in Starter Package + UTAP Payment Device
- Credit/Debit Card Terminal
- Accepts EMV, NFC, mega-strip, and contactless transactions
- Complete transaction reporting
- Void transaction in case of reversal
- Supports Pre-Auth hold and Pre-Auth complete
One-time device cost: AED 959
UTap
Starter Pack
AED 61/month
12-month contract
5% VAT excluded
- SMB Payment Mobile App
- Use Phone As A Payment Terminal
- Customer-managed Key Provisioning
- Digital QR Code Scanning
- eCommerce Weblink
- Accepts Apple Pay & Other Digital Wallets
No additional features
UTap
Premium Pack
AED 165/month
12-month contract
5% VAT excluded
- Credit/Debit Card Terminal
- Accepts Europay, Mastercard, and Visa
- Accepts NFC (Near-field communication)
- Accepts contactless + traditional mega-strip
- Merchant Portal for Transaction Reporting
- Multi Store & User Support
Includes all Starter Pack features
UTap
Elite Pack
AED 549/month
12-month contract
5% VAT excluded
- Cloud ECR Software/Business Automation Tools
- Order, Inventory & Customer Management
- POS Reporting
- eCommerce
- POS Terminal
- Cash Drawer
Includes all Starter & Premium Pack features
Ways to get paid
Payment Terminal
Android POS devices that make checkout simple, accepting card and contactless payments. Use Pay By Link and email for payouts.
Desktop Solution
The UTap desktop terminal brings payments, table, employee and customer management together. Use Cloud Pay to keep orders moving.
Phone POS
Turn your phone into a contactless payment terminal with NFC. Take secure payments with a single tap.
Payment Technology
Payment Gateway
Real-time exchange and smooth integration with your existing systems keep payment workflows moving.
SDK Integration
A customisable SDK speeds up development and adapts to your business’s specific needs.
Digital – QR Code
Secure, touch-free payments with a simple setup – customers just scan the QR code to pay.
Payment Options Supported
Disclaimer: e& acts solely as a technical services provider. Our role is limited to providing technical services that support a payment service provided to you by a third party*. In facilitating UTap, e& does not provide any licensable retail payment service to you. *Merchant Acquiring Partner – Network International L.L.C.
Portals and app
Developer Portal
Create customer codes and generate integration keys in one place for faster access to the services – cutting turnaround time and speeding up integration.
SIGN IN
UTap Merchant Login
See your merchant info, track payments, sort them by date and get an end-of-day summary – plus your services, MDR and terminal details.
SIGN IN
UTap Merchant App
Digital payments at your fingertips: create transaction reports, history and invoices, send pay-by-link requests, run live transactions and get multilingual 24/7 support with smart POS features.
DOWNLOADThe e& advantage
Onboarding Support
An in-depth onboarding session with product specialists, including training, demos and more.
Maintenance & Repair
Professional hardware maintenance and repair from experts.
3rd Party Integration
Easy integration with third parties such as Zomato, Deliveroo and more.
Expert Support
Full support by phone, email and live chat for quick resolutions.
Important to know
Documents needed to become a UTap merchant
Business proof
- Trade licence / licence document (copy)
- Articles of Association / Memorandum of Association (if applicable)
- Tax registration certificate (if applicable)
Authorised signatory
- Passport, visa and Emirates ID of shareholders and the authorised signatory (copy)
- Passport, visa and Emirates ID of the ultimate beneficial owner, if applicable (copy)
- Valid notarised Power of Attorney of the authorised signatory, if applicable (copy)
Bank accounts
- Bank statement with IBAN number (copy)
- Collateral / security deposit (if applicable for e-commerce and marketplace)
Plans and charges
- Contract length follows the period agreed with e&, with three options: 12, 24 or 36 months.
- Billed monthly. All prices exclude 5% VAT.
- Charges depend on the plan and duration you choose. A valid payment method is needed to cover all fees, including the subscription, transactions and any other applicable fees.
- Transaction fees or charges from third-party services are added to your bill and are not included in the UTap subscription fee.
- UTap is sold on the e& SaaS Marketplace. When you set up an account there you receive a password – you are responsible for keeping your account and password confidential and for restricting access to them.
Support
- Throughout your subscription, 800UTAP handles all product and payment-transaction queries. It covers 24/7 uptime and performance monitoring, application bug fixes, technical and banking support, platform updates, security patches and back-up management.
Ending your contract
- Leaving the base plan only (no hardware or devices): 1 month of the base plan rental fee.
- Leaving the base plan with a device: 1 month of the base plan rental fee + the remaining months of device rental.
- Penalty-free exit: you can leave within 5 days of activation without exit charges if the service was mis-sold or didn't meet its terms and conditions.
- Once the service ends, please back up all your business data yourself. e& does not provide back-up services and is not liable for any data loss or depletion by the third party.
Frequently asked questions
What is UTap?
A solution that brings payment, business automation and financial services together for businesses, with one complete, omni-channel approach for businesses of every category.
What are e& and UTap POS?
e& is one of the strongest brands in the Middle East and Africa and one of the world’s strongest telecom groups, with a vision to drive digital growth. Its payment devices come with complete payment solutions for merchants of every category – including business management apps, automation tools, hardware, platforms and a marketplace that help SMBs do business better, online and offline.
What does UTap include?
Electronic cash registers (mini ERP/CRM), next-generation POS and payment hardware, and banking and payment services – plus guest feedback, reporting and analytics, and integrations with tools such as inventory management and scheduling platforms. Suite features include Card Sale, Cloud Pay, Pay By Link, guest feedback, reporting and analytics, order management integrations, inventory management, employee management, customer management, retail management, restaurant management, a scheduling platform and much more.
What happens after I subscribe?
Verification: you’re contacted by email and/or SMS to verify your purchase and book an onboarding call. Onboarding call: the support team walks you through setting up UTap and completes the mandatory KYC checks digitally. Credentials and devices: you receive your credentials for the UTap app, terminals and merchant portals. Appointment: the team books a visit to deliver your activated device, train you and collect the mandatory physical documents, including banking documents.
What are the key features of the UTap POS device?
A built-in printer for transaction receipts; access to the UTap merchant app and portal for secure payments; acceptance of many card types; a built-in camera for barcode scanning; one-tap real-time reports and settlement/transaction history; 100+ transactions on a single charge; notification alerts to confirm transactions; English and Arabic; 100 hours of battery life; 5G and Wi-Fi connectivity; void for easy reversals; and pre-authorisation for advance payments.
What is the One-Click Billing feature?
It is exclusive to the Elite Pack. You can create bills and pay them with one click – browse the product list and add what you need, including items from several vendors, to stock your store.
How will UTap help my employees?
It cuts checkout times and gives your team the right tools for the job – a fast, convenient and effortless way to manage and pay bills.
How will UTap benefit my customers?
Paying becomes easier and quicker. You can accept several payment methods and give receipts the way customers prefer – printed, or by SMS or email.
What is the Inventory Management feature?
It is exclusive to the Elite Pack. Check your stock at any time, keep best-sellers stocked, and see insights and charts on your highest- and slowest-selling items.
How does UTap help with vendor management?
Manage your suppliers in one place: detailed invoices, payment schedules and delivery details. You can add vendors, see their purchase history, register payments, view pending payments and more.
What is Pay-By-Link?
Create a payment link and send it to a customer by SMS, email, social media or any other channel, so they can pay securely by credit or debit card. You can email payment-link invoices and track each request with its own unique link – so you spend less time chasing unpaid ones.
What are void transactions?
A void is a transaction cancelled before it settles on the customer’s debit or credit card. It shows as pending on their account for a short time while it completes. UTap makes voiding and tracking transactions easy.
How do pre-authorisation hold and complete work?
Pre-authorisation reserves funds on your customer’s card without taking them. When you’re ready to charge, you process a Pre-authorisation Complete to finalise the transaction. UTap supports both.
What if I need more features, integrations or customisation?
Get in touch with our experts and they’ll help with the specific functionality you need.
How long does a payment swipe authorisation take?
Less than 5 seconds.
What are CPOC transactions?
CPOC is a payment technology that lets merchants accept NFC card payments directly on their smartphone.
How do I do a CPOC transaction?
On your NFC-enabled smartphone, open the UTap merchant app and select Card Sale. Enter the amount, then tap your customer’s card on the back of your phone – done.
Is the UTap POS wireless and portable?
Yes.
How does the UTap POS connect?
It is SIM-based and also supports Wi-Fi.
Do I need an e& account number to become a UTap merchant?
Yes, you need an existing active relationship with e&.
Does the UTap POS have a one-touch function key?
Yes. A button can be customised to your needs – for example, to open the UTap app with one touch.
What accessories come with the UTap POS?
One charger with a Type-C cable, five paper rolls and one instruction manual.
How long does installation take?
Within 5 business days, subject to documentation.
How quickly are payments settled?
Settlement happens within 2 business days of the transaction (T+2).
How quickly will the service team respond to my queries?
Raise a ticket in the Support section of the UTap merchant app and the team will get back to you – UTap’s stated response time is 1 hour.
How soon can the field team visit if I need technical help?
Within 24 hours of creating the ticket.
How big is the UTap field service network?
600 field service executives across the UAE.
How can I check my transaction history?
In the UTap merchant app, go to Reports, then History.
Can I reprint an older transaction receipt?
Yes – from the UTap merchant app, under Report, then History.
Can I take payments from customers remotely?
Yes. Use Pay-By-Link: share a link by SMS, WhatsApp or another platform and receive the payment straight away.
Can I change the language on the UTap POS?
Yes, from the Profile option in the UTap merchant app.
What if I forget my UTap merchant app password?
Reset it by generating a PIN from your UTap-registered phone number.
How many transactions can I do on one charge?
100+ transactions on a single 30-minute charge.
Are UTap POS terminals VAT-ready and FTA return-ready?
Yes. VAT and all related reports are sent monthly to your UTap-registered email address.
Where can I see daily settlements and update my merchant details?
Settlement details are in the Profile section of the UTap merchant app. To change your details, raise a ticket under Support in the app or call 800-UTAP.
How many years of transaction data are stored?
Everything from the start of your account. The last 1 year is available in the UTap app and merchant portal, and UTap can share older data on request.
Are there any payments attached to my UTap plan?
Charges depend on the plan and payment terms agreed with e& when you buy. A valid payment method (such as a credit card) is needed for all fees – product, transaction and any others that apply. Third-party transaction fees are paid by you separately from the subscription. You are responsible for your store, the goods or services you sell and your relationship with your customers. 800UTAP support is included for the duration of your fully paid subscription.
What if I want to renew or cancel my subscription?
Get in touch with our experts for details on renewing or ending your plan.
What if I change my mind?
The base product can’t be changed, but our experts can help with any plan changes.
More financial solutions
Financial Solutions
Manage your finances with invoices, collections and payment reminders.
View plans ›UTap payment solution
Flexi Pay Pack – AED 50/month
36-month contract · 5% VAT excluded
An upfront payment terminal plan: buy the POS device once and pay a monthly fee for the software only.
What you get
- POS device at AED 959 per device (one-time)
- Take payments through the mobile app (Android only) and a sleek, hand-held POS device
- Highly competitive transaction costs
- Get paid through many channels, including e-commerce, web links and digital wallets such as Apple Pay
- Payment terminal with fingerprint technology
- Dual 4G SIM card slots for real-time response
- The monthly charge (MRC) covers the software only
Plan benefits
- Credit/Debit card terminal
- Accepts EMV and NFC
- Contactless and traditional mega-strip
- Merchant portal for transaction reporting
- Multi-store and multi-user support
Plan details
- Rental fee: AED 50/month
- Billing: monthly
- Contract period: 36 months
- All prices exclude 5% VAT
Good to know
- e& acts solely as a technical services provider. Its role is limited to technical services that support a payment service provided to you by a third party (Merchant Acquiring Partner – Network International L.L.C.); it does not provide any licensable retail payment service.
UTap payment solution
Starter Pack – AED 50/month
36-month contract · 5% VAT excluded
A payment app plan that turns your phone into the way you get paid.
What you get
- Take and process payments through a mobile app (Android only)
- Highly competitive transaction costs
- 100% cloud-based, so your delivery fleet can collect payments on the doorstep
- Get paid through many channels, including e-commerce, web links and digital wallets such as Apple Pay
- No investment or upfront payment
Plan benefits
- SMB Payment Mobile App
- Use your phone as a payment terminal
- Digital QR code scanning
- eCommerce weblink
- Accepts Apple Pay and other digital wallets
Plan details
- Rental fee: AED 50/month
- Billing: monthly
- Contract period: 36 months
- All prices exclude 5% VAT
Good to know
- e& acts solely as a technical services provider. Its role is limited to technical services that support a payment service provided to you by a third party (Merchant Acquiring Partner – Network International L.L.C.); it does not provide any licensable retail payment service.
UTap payment solution
Elite Pack – AED 250/month
36-month contract · 5% VAT excluded
A business automation plan that runs your payments and your day-to-day operations together.
What you get
- Take and process payments through the mobile app (Android only) and a sleek, hand-held POS device
- Highly competitive transaction costs
- Get paid through many channels, including e-commerce, web links and digital wallets such as Apple Pay
- Connected countertop technology to see and manage every part of your business – customer orders, employees, inventory, reporting and more
- 360° visibility and control over every transaction
- No investment or upfront payment
Plan benefits
- All Premium Pack features
- Cloud ECR software / business automation tools
- Order management
- Inventory management
- Customer management and multi-store
- POS reporting
- eCommerce
- POS terminal
- Cash drawer
Plan details
- Rental fee: AED 250/month
- Billing: monthly
- Contract period: 36 months
- All prices exclude 5% VAT
Good to know
- e& acts solely as a technical services provider. Its role is limited to technical services that support a payment service provided to you by a third party (Merchant Acquiring Partner – Network International L.L.C.); it does not provide any licensable retail payment service.
UTap payment solution
Flexi Pay Pack – AED 55/month
24-month contract · 5% VAT excluded
An upfront payment terminal plan: buy the POS device once and pay a monthly fee for the software only.
What you get
- POS device at AED 959 per device (one-time)
- Take payments through the mobile app (Android only) and a sleek, hand-held POS device
- Highly competitive transaction costs
- Get paid through many channels, including e-commerce, web links and digital wallets such as Apple Pay
- Payment terminal with fingerprint technology
- Dual 4G SIM card slots for real-time response
- The monthly charge (MRC) covers the software only
Plan benefits
- Credit/Debit card terminal
- Accepts EMV and NFC
- Contactless and traditional mega-strip
- Merchant portal for transaction reporting
- Multi-store and multi-user support
Plan details
- Rental fee: AED 55/month
- Billing: monthly
- Contract period: 24 months
- All prices exclude 5% VAT
Good to know
- e& acts solely as a technical services provider. Its role is limited to technical services that support a payment service provided to you by a third party (Merchant Acquiring Partner – Network International L.L.C.); it does not provide any licensable retail payment service.
UTap payment solution
Starter Pack – AED 55/month
24-month contract · 5% VAT excluded
A payment app plan that turns your phone into the way you get paid.
What you get
- Take and process payments through a mobile app (Android only)
- Highly competitive transaction costs
- 100% cloud-based, so your delivery fleet can collect payments on the doorstep
- Get paid through many channels, including e-commerce, web links and digital wallets such as Apple Pay
- No investment or upfront payment
Plan benefits
- SMB Payment Mobile App
- Use your phone as a payment terminal
- Digital QR code scanning
- eCommerce weblink
- Accepts Apple Pay and other digital wallets
Plan details
- Rental fee: AED 55/month
- Billing: monthly
- Contract period: 24 months
- All prices exclude 5% VAT
Good to know
- e& acts solely as a technical services provider. Its role is limited to technical services that support a payment service provided to you by a third party (Merchant Acquiring Partner – Network International L.L.C.); it does not provide any licensable retail payment service.
UTap payment solution
Elite Pack – AED 329/month
24-month contract · 5% VAT excluded
A business automation plan that runs your payments and your day-to-day operations together.
What you get
- Take and process payments through the mobile app (Android only) and a sleek, hand-held POS device
- Highly competitive transaction costs
- Get paid through many channels, including e-commerce, web links and digital wallets such as Apple Pay
- Connected countertop technology to see and manage every part of your business – customer orders, employees, inventory, reporting and more
- 360° visibility and control over every transaction
- No investment or upfront payment
Plan benefits
- All Premium Pack features
- Cloud ECR software / business automation tools
- Order management
- Inventory management
- Customer management and multi-store
- POS reporting
- eCommerce
- POS terminal
- Cash drawer
Plan details
- Rental fee: AED 329/month
- Billing: monthly
- Contract period: 24 months
- All prices exclude 5% VAT
Good to know
- e& acts solely as a technical services provider. Its role is limited to technical services that support a payment service provided to you by a third party (Merchant Acquiring Partner – Network International L.L.C.); it does not provide any licensable retail payment service.
UTap payment solution
Flexi Pay Pack – AED 61/month
12-month contract · 5% VAT excluded
An upfront payment terminal plan: buy the POS device once and pay a monthly fee for the software only.
What you get
- POS device at AED 959 per device (one-time)
- Take payments through the mobile app (Android only) and a sleek, hand-held POS device
- Highly competitive transaction costs
- Get paid through many channels, including e-commerce, web links and digital wallets such as Apple Pay
- Payment terminal with fingerprint technology
- Dual 4G SIM card slots for real-time response
- The monthly charge (MRC) covers the software only
Plan benefits
- Credit/Debit card terminal
- Accepts EMV and NFC
- Contactless and traditional mega-strip
- Merchant portal for transaction reporting
- Multi-store and multi-user support
Plan details
- Rental fee: AED 61/month
- Billing: monthly
- Contract period: 12 months
- All prices exclude 5% VAT
Good to know
- e& acts solely as a technical services provider. Its role is limited to technical services that support a payment service provided to you by a third party (Merchant Acquiring Partner – Network International L.L.C.); it does not provide any licensable retail payment service.
UTap payment solution
Starter Pack – AED 61/month
12-month contract · 5% VAT excluded
A payment app plan that turns your phone into the way you get paid.
What you get
- Take and process payments through a mobile app (Android only)
- Highly competitive transaction costs
- 100% cloud-based, so your delivery fleet can collect payments on the doorstep
- Get paid through many channels, including e-commerce, web links and digital wallets such as Apple Pay
- No investment or upfront payment
Plan benefits
- SMB Payment Mobile App
- Use your phone as a payment terminal
- Digital QR code scanning
- eCommerce weblink
- Accepts Apple Pay and other digital wallets
Plan details
- Rental fee: AED 61/month
- Billing: monthly
- Contract period: 12 months
- All prices exclude 5% VAT
Good to know
- e& acts solely as a technical services provider. Its role is limited to technical services that support a payment service provided to you by a third party (Merchant Acquiring Partner – Network International L.L.C.); it does not provide any licensable retail payment service.
UTap payment solution
Elite Pack – AED 549/month
12-month contract · 5% VAT excluded
A business automation plan that runs your payments and your day-to-day operations together.
What you get
- Take and process payments through the mobile app (Android only) and a sleek, hand-held POS device
- Highly competitive transaction costs
- Get paid through many channels, including e-commerce, web links and digital wallets such as Apple Pay
- Connected countertop technology to see and manage every part of your business – customer orders, employees, inventory, reporting and more
- 360° visibility and control over every transaction
- No investment or upfront payment
Plan benefits
- All Premium Pack features
- Cloud ECR software / business automation tools
- Order management
- Inventory management
- Customer management and multi-store
- POS reporting
- eCommerce
- POS terminal
- Cash drawer
Plan details
- Rental fee: AED 549/month
- Billing: monthly
- Contract period: 12 months
- All prices exclude 5% VAT
Good to know
- e& acts solely as a technical services provider. Its role is limited to technical services that support a payment service provided to you by a third party (Merchant Acquiring Partner – Network International L.L.C.); it does not provide any licensable retail payment service.
Still looking for help?
Call your dedicated Relationship Manager or visit and contact our offices
Tel.
046081111
Mobile:
046081172
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