Financial Infrastructure

Revenue collection, payment processing, and financial compliance operate as a connected system. Financial infrastructure covers banking, payment acceptance, insurance, and ongoing accounting. Each component must be in place before the first transaction occurs.

02.01

Business bank account

A corporate bank account opened with a UAE licensed bank, linked to the trade licence. Required for marketplace payouts, supplier payments, and VAT remittance.

02.02

Payment gateway

Integration of a payment gateway supporting credit and debit card transactions, Apple Pay, and regional payment methods. Connected to the storefront and reconciled against orders.

02.03

Cash on Delivery

A COD collection service where the delivery partner collects payment from the customer at the point of delivery. Funds are reconciled daily and remitted to the seller account on a defined settlement cycle.

02.04

Buy Now, Pay Later

Integration of BNPL providers (such as Tabby or Tamara) at checkout, allowing customers to split payments into interest-free instalments. The seller receives the full amount upfront from the BNPL provider.

02.05

Insurance and product liability

Product liability insurance covering claims arising from goods sold in the GCC. Required by certain marketplace platforms and recommended for all physical product categories.

02.06

Accounting

International standard financial transaction record keeping, including monthly bookkeeping, quarterly VAT return preparation, and annual financial statement compilation aligned with UAE regulatory requirements.

02.07

Talent payroll management

End-to-end payroll processing for UAE based employees, including WPS (Wage Protection System) compliance, end-of-service benefit calculations, and monthly salary transfers.

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