Areeba

Areeba Payment Gateway Overview For Merchants

If you operate in the Middle East and North Africa and need a regional partner to accept cards in store and online, Areeba is a payment service provider worth a close look. Areeba offers acquiring, a full e-commerce payment gateway, POS and soft POS options, QR and unattended payments, plus value-added tools like pay-by-link and recurring billing.

Where Areeba Operates

Areeba presents itself as a regional processor covering the Levant, North Africa, and the Gulf. The site highlights activity in Jordan, Lebanon, Iraq, Egypt, Qatar, and the UAE. If you sell across multiple markets in the region, this footprint means you can evaluate a single provider for both in-store and online channels while keeping integration and support consolidated. Availability and feature depth can vary by country, so you should confirm market-specific capabilities as part of scoping.

Payment Channels You Can Enable With Areeba

In-Store POS

Areeba provides multiple POS form factors to accept chip and PIN, contactless, and magstripe transactions. Terminals support the major global card brands, including Mastercard, Visa, American Express, and Discover or Diners. Hardware options include compact POSmini devices and Android Smart POS terminals. If you operate multi-lane retail, hospitality, or delivery fleets, these choices let you match device capabilities and connectivity to each use case.

Key points to validate for your stores:

• Supported settlement currencies for your country and bank account

• Receipt options and peripheral support on Android Smart POS

• Whether you need wireless, Ethernet, or 4G fallback for your sites

Soft POS

If you want to accept contactless payments without dedicated hardware, Areeba’s soft POS turns an NFC-enabled Android smartphone or tablet into a payment acceptance device. You can take contactless card taps and mobile wallet taps on the same device your staff already carry for orders or deliveries. This is a practical option for pop-ups, couriers, and field sales.

Online And In-App Payments

Areeba’s online payment platform supports B2C and B2B transactions in most currencies with all major card brands. The gateway includes tokenization to enable an “easy checkout” experience and to reduce PCI scope, plus features for recurrent or subscription payments. You can integrate the gateway to your website or mobile app and apply the same acquiring relationship across channels.

What to check during integration:

• Hosted checkout versus direct API flow for your PCI posture

• Tokenization behavior for saved cards and retries

• 3DS configuration and exemptions strategy for your markets

Pay By Link

For quick remote collection without a website, Pay by Link lets you generate a secure payment link and send it by email, chat, or invoice. This fits phone orders, one-off invoices, and social commerce. You should confirm link expiry controls, tracking, and refund handling.

Self-Service And QR Payments

If you operate kiosks or unattended environments such as parking, cinemas, or campus services, Areeba offers unattended acceptance. The provider also supports QR payment use cases. If you are planning QR at the pump, in-aisle, or for billers, review whether you need static codes, dynamic codes, or both, and confirm how reconciliation is handled.

Value-Added Services And Merchant Tools

Beyond core acceptance, Areeba offers options that can shorten time-to-launch and expand sales channels:

• Online store builder to spin up a simple web shop and start taking cards.

• Analytics and reporting to track volumes, authorizations, declines, and trends.

• ECR integration so your cash register can pass amounts directly to the POS terminal, reducing key-entry errors and reconciliation effort.

• Recurring payments for subscriptions and invoicing flows.

• Invoices and payment buttons through a merchant portal, useful for small teams and non-technical workflows.

If you are consolidating providers or standardizing across countries, align the available toolset to your internal processes and confirm that reporting dimensions match how you recognize revenue in your ERP.

Security, Compliance, And Risk Controls

Areeba states that it is PCI DSS certified and emphasizes secure storage and processing for cardholder data. For e-commerce, the company offers 3-D Secure aligned with the latest protocol to reduce fraud and meet card-scheme requirements. On the acquiring services side, Areeba lists risk and fraud management, scheme compliance, and dispute and chargeback handling among its services for acquirers and merchants.

For your due diligence, you should:

• Request the current PCI DSS Attestation of Compliance and confirm scope

• Review fraud controls available to you in the gateway, including velocity rules, card BIN filters, and AVS/CVV checks where applicable

• Confirm how 3DS is configured by market, whether exemptions can be applied, and who controls risk thresholds

Areeba also highlights certification progress on its payment infrastructure switch and partnerships that extend card acceptance across brands. If you accept American Express or Discover and Diners, verify whether acceptance is direct or via network alliances in your market and whether any additional onboarding is required.

Settlement, Currency, And Payout Considerations

Areeba’s materials reference multi-currency support for in-store and online payments, with country-specific capabilities. For example, in Iraq, Smart POS documentation notes support for IQD and USD with posted settlement timelines for local versus international cards. You should validate:

• Your settlement currency options per market

• Cut-off times, funding schedules, and weekend or holiday processing

• How chargebacks and refunds affect settlement timing and net funding

If you operate in multiple countries, align settlement currencies with your treasury setup and evaluate whether you need separate merchant IDs per country for tax and reconciliation.

Implementation And Integration Paths

Areeba supports several integration models so you can match build effort to your team’s capacity:

• Hosted checkout to keep card entry on Areeba’s pages and reduce PCI scope

• Direct integration for full control of the payment form and UX

• Pay by Link to start taking remote payments without a site

• ECR integration for in-store automation

• Merchant portal features like invoices and payment buttons that non-technical staff can use immediately

If you require developer documentation or SDKs, ask Areeba for access to the gateway portal and test credentials. During UAT, test card tokenization flows, retries, partial captures, voids, and refunds for the payment methods and shipping flows you plan to offer.

Use Cases And Merchant Fit

Areeba’s device lineup and gateway options cover a wide range of industries:

• Retail and grocery needing fast contactless checkout on Android Smart POS

• Hospitality and delivery where handhelds and soft POS simplify on-the-go acceptance

• Fuel and transport evaluating QR or unattended acceptance

• Marketplaces and recurring services using tokenization and recurrent payments

• Small businesses and social sellers starting with pay-by-link or a simple online store

If you run a blended model of stores, web, and app, using one provider across channels can simplify reconciliation and reduce your time to diagnose payment issues.

Conclusion

Areeba is a strong candidate if you are an MENA merchant or an international brand entering Levant and Gulf markets and you need:

• A single provider for POS, soft POS, e-commerce, QR, and unattended acceptance

• Major card brand coverage and multi-currency support aligned to local banking rails

• Built-in features for recurring billing, pay-by-link, and analytics without heavy engineering effort

• Regional support teams and country-specific onboarding

If your footprint includes countries beyond Areeba’s current coverage or you rely on a wide range of alternative payment methods outside cards and contactless wallets, you should confirm availability or plan for a hybrid setup.