10 Best Fintech Companies in the Middle East for Businesses in 2026

By 2026, the Best Fintech Companies in the Middle East for Businesses is expected to have a large impact on innovation in the business industry. Fintech companies across the region provide payment, lending, trading, and wealth management services. In this report, we will focus on the areas of fintech companies that allow for strong business partnerships to support modern company growth. These areas include the service offerings, key strengths, and proprietary features of the companies.

What Makes a Fintech Company “Best” for Businesses in 2026?

Scalable Infrastructure

A fintech must be able to grow with Small Medium Enterprises (SMEs) and Enterprises by utilizing scalable platforms across various markets without painful and time-consuming system upgrades.

Regulatory Compliance

Strong compliance with regulations builds trust, allowing businesses to operate in different regions without the fear of violating the law or having unnecessary obstacles during cross-region financial commerce.

Embedded Finance

The best fintech providers embed finance directly into the Business Workflows with APIs for payments, lending, and trading that improve the business process and lower the operational friction.

Cross-Border Capabilities

A business needs a fintech that removes the hurdles to international settlements and foreign currency conversions that makes the global GCC markets and other jurisdictions easier to enter and engage.

AI Driven Insights

Optimization of cash flow, credit scoring, and fraud protection is possible with AI-driven financial insights and analytics, providing fintech clients an edge in financial decision-making.

SME Empowerment

Fintech solutions for payroll, expenses, liquidity, and cash management enable SMEs to digitize, scale, and compete with large enterprises.

Customer Experience

A fintech offering user-friendly services and financing with straightforward no-hassle pricing and instant services on-boarding is a clear market leader in customer experience.

Innovation Speed

Speed of product market launches and upgrades for a payments, lending, and digital banking ecosystem are the key differentiators of the top fintech companies.

Key Point

Company	Unique Point for Businesses
Mamo	Simplifies merchant accounts, corporate cards, and collections for SMEs
NymCard	API-driven card issuance powering regional wallets
GTN	Fractional shares, access to 90+ markets via one platform
Tabby	Expanding BNPL into B2B merchant financing
Sarwa	Business-focused investment & employee savings solutions
Codebase Technologies	Enables banks to launch modern B2B services
Valu	Flexible installment solutions for merchants
Arib	Streamlined financing offers for SMEs
FundedNext	Unified ecosystem for global traders & businesses
Dinarak	Strong SME adoption in Jordan’s digital economy

1. Mamo

Mamo was established in 2020 in Dubai and operates in payments and the management of expenses for SMEs. Mamo provides corporate cards, merchant accounts, payroll processing and more. SMEs and startups in the UAE use Mamo’s products through the DIFC regulatory sandbox.

In 2026, Mamo added cross border payments and decreased the time it took to settle transactions within the GCC. Mamo offers services for payroll and vendor payments as well as expense management.

Mamo’s services are designed for easy and quick onboarding of SMEs. For digital finance, Mamo provides quick account setup, resulting in a reduction of friction that SMEs experience for the first time.

Alongside accounting integrations, Mamo provides SMEs with the ability to automate their financial operations and, therefore, serves as a trusted ally for regional businesses looking to expand.

Mamo Services:

1. Payments for small and medium enterprises (SMEs)
2. Corporate cards
3. Automation of payroll
4. Tracking of expenses
5. Cross border payment settlement

• Best Fit:

1. Startups with quick onboarding
2. SMEs for payroll manage
3. Merchants for vendor payments manage
4. Businesses for operations expand GCC

• Limitations:

1. Limited enterprise scale
2. UAE specific regulations
3. Weak treasury features
4. DIFC sandbox dependence

2. NymCard

NymCard was founded in 2018 in Abu Dhabi, and provides Banking-as-a-Service. NymCard provides cards as a service, and offers their API to wallets, neobanks and other fintechs. NymCard’s API can support corporate card issuance and embedded payments for bank, startup and corporate clients within the ADGM regulatory framework. In 2026, NymCard added instant card tokenization.

The most distinct feature of NymCard is its developer-centric APIs and built-in compliance for the region. NymCard offers fintechs the ability to rapidly launch their APIs in accordance with the local legal requirements of the region.

Launching financial services in the Middle East by NymCard, which connects the global card networks with the region’s compliance, provides enterprises with the backbone of fintech innovation for the region.

NymCard Services

1. APIs for virtual card issuance
2. Embedded finance
3. Integration of wallets
4. Tokenization
5. Compliance support

• Best Fit:

1. Startup fintech
2. Neobanks
3. Enterprises payments embed
4. B2B platform

• Limitations:

1. Developer dependency
2. ADGM specific licensing
3. Low presence of consumer brand
4. Complex integrations

3. GTN

Established in 2019, GTN aims to create worldwide trading infrastructure. GTN offers access to over 90 markets and delivers fractional shares. GTN aims for brokers, fintechs, and institutional investors, and is governed by DIFC regulations.

In 2026, GTN created the first AI-based automated compliance monitoring. Fintechs use GTN to provide their clients access to multi market opportunities for trading equities, ETFs, and derivatives.

GTN’s ability to integrate markets worldwide may be its most notable feature. GTN offers fractional investments, allowing both retail and institutional clients access to its services. Its compliance automation allows business to focus on growth and scale, while ensuring that all regulations are met.

The trading infrastructure GTN has built empowers fintechs to focus on expanding trading services throughout the region of the capital markets, without the burden of building the trading infrastructure.

GTN Services:

1. Active participation in several markets
2. Compliance automation
3. APIs for brokerages
4. Support for derivatives
5. API for trading

• Best Fit:

1. Wealth management and trading service provide
2. Fintech offering trading facilitate
3. Brokers
4. Institutional investor

• Limitations:

1. Regulation oversight complex
2. Long onboarding process
3. Focus is largely on institutions
4. Dependent on rules of DIFC

4. Tabby

Tabby was founded in 2019 and is a BNPL focused platform in both the UAE and Saudi Arabia. Tabby originally was a BNPL platform geared toward consumers and has since pivoted to offer BNPL services for merchants and SMEs. Tabby operates under the Saudi Central Bank and the UAE sandbox regulations. In 2026, Tabby launched SME credit scoring models.

Tabby caters to merchants and SMEs by offering cash flow support and increasing sales through its customer finance. The use of AI for credit scoring reduces default risk and makes BNPL sustainable. Tabby is the partner of choice for businesses looking for customer finance and liquidity in an economically competitive environment.

Tabby Services

1. Payment services for consumers for installments
2. Financing services for merchant SME
3. Risk assessment scoring for credit
4. Services for managing installments
5. Loyalty tools

• Best Fit:

1. Payment for merchant installments provide
2. Capital for SME liquidity provide
3. E‑commerce platform
4. Programs for retaining customers

• Limitations:

1. Regulatory control for credit risk
2. Regulations for Saudi and UAE

5. Sarwa

Established in 2017 in Dubai, Sarwa provides digital wealth management services. Sarwa offers its users the choice between robo-advisory, investment accounts, and retirement solutions. Targeting the professional segment of the working population along with SMEs and corporates, Sarwa works under DIFC regulation.

In 2026, employee savings programs aimed at enterprises, were introduced by Sarwa. Companies offer their employees investment options, while Sarwa helps manage corporate portfolios.

Sarwa’s employees can offer program solutions to help employers manage financial wellness programs aimed at retaining employees. Said programs can help address the growing demand for sustainability and wealth management with ESG (Environmental, Social and Governance) portfolios.

Services

1. Robo‑advisory
2. Investment accounts
3. Retirement solutions
4. ESG portfolios
5. Employee savings programs

• Best Fit:
  1. SMEs offering staff benefits
  2. Corporates managing portfolios
  3. Professionals seeking digital wealth
  4. HR wellness programs
• Limitations:
  1. Limited institutional scale
  2. UAE‑centric regulation
  3. Slower adoption outside GCC
  4. Reliance on DIFC licensing

6. Codebase Technologies

Founded in 2016, in Dubai, Codebase Technologies helps banks build digital banking infrastructure. Codebase provides digital banking infrastructure and offers banks a modular platform to build digital banking services.

Codebase works with banks and enterprises across the GCC, helping them address compliance needs. In 2026, Codebase introduced AI-enabled customer onboarding. Companies use Codebase to build digital banking offerings and embedded finance products.

Its differentiator is flexibility due to its modular architecture. Codebase provides banks and fintechs with custom digital solutions without the need for a large IT resource. It provides partners with digital innovation and helps businesses modernize their legacy IT systems. Its regulatory focus helps Codebase work with clients across the Middle East.

Services

1. Digital banking infra
2. Modular platforms
3. AI onboarding
4. Embedded finance
5. Compliance solutions

• Best Fit:
  1. Banks modernizing systems
  2. Fintechs launching services
  3. Enterprises digitizing finance
  4. GCC institutions
• Limitations:
  1. Complex integration
  2. High IT dependency
  3. Limited SME direct use
  4. Regulatory fragmentation across GCC

7. Valu

Valu was created in 2017 to provide financial services to consumers and businesses in Egypt. Their services include installment plans, merchant financing, and lifestyle credit. Valu serves small and medium enterprises (SMEs) and retailers.

Valu does business according to the regulations of the Financial Regulatory Authority (FRA) in Egypt. In 2026, Valu expanded to the GCC markets. Businesses use Valu to provide flexible payment options to customers and to access working capital.

The financing tools merchant ecosystems integration provides is what sets Valu apart from their competition. Valu boosts sales conversion and customer loyalty by financing customer purchases on retail platforms.

The GCC expansion strengthens their cross-border merchant networks. Valu offers liquidity to SMEs and builds customer affordability, making it an important player in the Egyptian Fintech success story.

Services:

1. Installment solutions
2. Merchant financing
3. Lifestyle credit
4. SME liquidity
5. GCC expansion

• Best Fit:
  1. Egyptian SMEs
  2. Retailers boosting sales
  3. GCC merchants
  4. Consumer‑finance ecosystems
• Limitations:
  1. Egypt‑centric regulation
  2. Slower GCC adoption
  3. Credit risk exposure
  4. Limited enterprise financing

8. Arib

Arib was founded in 2020 to simplify SME financing in Saudi Arabia. Arib simplified loan access to SMEs by providing a marketplace for financing. Arib operates under the regulatory framework of the Saudi Central Bank. In 2026, Arib launched an AI-based loan recommender system. Businesses use Arib to compare financing offers and request bespoke credit packages.

Arib’s approach to financing transparency is its key differentiator. Arib eases access to financing capital by bringing multiple financing partners together. Arib’s AI technology matches businesses to financing offers. Arib builds trust and establishes itself as a dependable ally while empowering SMEs to grow in line with shifting regulations in the Saudi Arabian Fintech market.

Services

1. Loan aggregation
2. SME financing
3. AI loan matching
4. Credit transparency
5. Digital brokerage

• Best Fit:
  1. Saudi SMEs
  2. Startups seeking loans
  3. Businesses comparing lenders
  4. Fintech partners
• Limitations:
  1. Saudi‑only regulation
  2. Limited cross‑border reach
  3. Dependency on lender networks
  4. Early‑stage adoption

9. FundedNext

Founded in 2021, FundedNext is a proprietary trading firm in the UAE that provides capital to traders and builds a unified ecosystem for global trading. Focused on retail traders and fintech partners, they operate under the DIFC frameworks. FundedNext introduced AI-driven risk management in 2026. Businesses use FundedNext to gain access to liquidity and trading infrastructure.

FundedNext’s dual role as a capital provider and ecosystem builder is their main differentiator. As a capital provider, they help build market access. As an ecosystem builder, they help establish sustainable access for traders and partners. FundedNext helps develop trading services within fintech, positioning themselves as a leader for global trading innovation in the Middle East.

FundedNext Services:

1. Capital for proprietary trading
2. Global trading systems
3. AI for risk management
4. Access to liquidity
5. Integration of fintech

• Best Fit:

1. Traders in the retail sector
2. Embedded trading in fintech
3. Brokers looking to expand services
4. Trading hubs in the GCC

• Limitations:

1. High exposure to risk
2. Reliance on DIFC regulation
3. Limited relevance to SMEs
4. Volatile trading environments

10. Dinarak

Founded in 2016, Dinarak in Jordan provides mobile wallets and payments services in addition to digital bill payment and merchant services. Focused on Jordan’s SMEs and consumers, Dinarak operates within Jordan’s Central Bank regulations. In 2026, Dinarak expanded their merchant adoption programs. Businesses use Dinarak for digital collections and customer payments.

Dinarak’s main differentiator is their deep penetration of SMEs in Jordan’s digital economy. Mobile wallets provided by Dinarak help further financial inclusion. Their merchant programs offer small businesses a way to digitize their transactions. Dinarak provides access to Mobile Financial Services that serve both consumers and businesses and helps Jordan reach their Fintech goals.

Dinarak Services

1. Mobile wallets
2. Payment of bills
3. Merchant services
4. SME adoption programs
5. Digital accounts

• Best Fit:

1. Jordanian SMEs
2. Consumers using digital payment systems
3. Merchants for collections
4. Financial inclusion

• Limitations:

1. Regulation focused on Jordan
2. Limited focus on expansion to the GCC
3. Weaker enterprise features
4. Competition with global digital wallets

Quick Comparison — Best Fintech Companies in the Middle East for Businesses in 2026

Fintech Company	Primary Market	Fintech Category	Best For Businesses	Key Business Services	Middle East Coverage	2026 Status / Key Development
PayTabs Group	Saudi Arabia / UAE	Payment Infrastructure	E-commerce, SMEs, enterprises	Payment gateway, online payments, payment links, invoicing, merchant solutions	GCC & wider MENA	Agreed to acquire Amazon Payment Services MENA operations for $100M in Sept. 2026
NymCard	UAE	BaaS / Payment Infrastructure	Fintechs, banks, enterprises	Card issuing, money movement, lending, settlement, reconciliation, APIs	MENA	Received in-principle CBUAE approval for Stored Value Facility licence in Sept. 2026
Tabby	Saudi Arabia / UAE	Payments / BNPL / Consumer Finance	Retailers, e-commerce businesses	BNPL, checkout, payment solutions, merchant growth tools	Saudi Arabia & UAE + regional reach	Tabby for Business active; regulated by UAE Central Bank; 2026 expansion includes new payment use cases
Tamara	Saudi Arabia	BNPL / Merchant Payments	Retail, e-commerce, travel, healthcare	BNPL, online/in-store payments, QR, payment links, merchant tools	Saudi Arabia, UAE & GCC markets	SAMA-regulated; UAE restricted finance licence; supports payments up to 24 months
Lean Technologies	Saudi Arabia / UAE	Open Banking / Fintech Infrastructure	Fintechs, lenders, platforms	Financial data, Pay by Bank, payouts, account verification, APIs	Saudi Arabia, UAE & MENA	Focused on open-banking infrastructure, Pay by Bank and payouts
HyperPay	Saudi Arabia / MENA	Payment Gateway	E-commerce & online merchants	Online payment acceptance, cards, alternative payments, merchant tools	MENA	Major regional payment-processing infrastructure provider
Network International	UAE	Payment Processing	Banks, merchants, enterprises	Merchant acquiring, payment acceptance, processing, digital payments	Middle East & Africa	Established regional payment infrastructure provider with extensive merchant/banking reach
Tarabut Gateway	Bahrain / Saudi Arabia	Open Banking	Banks, fintechs, financial platforms	Open-banking APIs, account connectivity, financial data	Bahrain, Saudi Arabia, UAE	Regional open-banking infrastructure across key GCC markets
Wio Bank	UAE	Digital Business Banking	Startups, SMEs, entrepreneurs	Business banking, accounts, payments, financial management	UAE	Digital-business-banking specialist within the UAE fintech ecosystem
Hala	Saudi Arabia	Merchant Fintech / Payments	SMEs, retailers, merchants	POS, payment acceptance, merchant financial services	Saudi Arabia	Included among leading Saudi fintech companies and focused on merchant/SME financial services

Conclusion

The best fintech companies in the Middle East for 2026 offer scalable infrastructure, regulatory compliance, embedded finance, and AI‑focused customer insights. Companies such as Mamo, NymCard, GTN, Tabby, Sarwa, Codebase Technologies, Valu, Arib, FundedNext, and Dinarak, provide bespoke offerings to small and medium enterprises (SME) and large corporate clients for payroll, payments, trading, credit and wealth management.

Their services cover cross-border transacting. They are strong in customer experience and speed of innovation. Challenges exist with regulation and integration and with the existing credit risk infrastructure. These firms are providing a great platform and professionalism which can support enterprise clients as they grow their businesses in this rapidly developing economy.

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