specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Ziina
providerId: ziina
created: '2026-07-17'
modified: '2026-07-17'
reconciled: true
tags:
- Payments
- Fintech
- UAE
- MENA
- Plans
description: >-
  Ziina does not price API access itself; there is no per-call, seat, or
  subscription fee to use the Ziina API. Revenue is transaction-based: Ziina
  Business charges a percentage-plus-fixed fee per collected payment, with a
  surcharge on international cards and non-AED currencies, plus 5% UAE VAT on the
  fee (not on transaction volume). Sending money between Ziina Business accounts
  is free. All amounts are in AED; non-AED payments are converted to AED at
  settlement using real-time exchange rates.
notes: >-
  Fees below are as published on Ziina's fees / help-center pages and are subject
  to change; confirm current rates at https://ziina.com/fees before relying on
  them. VAT of 5% applies to the fee amount only.
sources:
- https://ziina.com/fees
- https://ziina.com/help-center/12781259-what-are-the-fees-to-use-ziina-business
- https://ziina.com/help-center/7880536-what-are-the-fees-associated-with-using-ziina-on-my-website
- https://docs.ziina.com/supported-currencies
plans:
- id: ziina-business-acceptance
  name: Ziina Business - Payment Acceptance
  type: usage
  description: >-
    Per-transaction pricing for collecting payments via the API (payment
    intents), Ziina Links, QR codes, NFC / Tap to Pay, and website checkout.
  currency: AED
  entries:
  - label: Card / Apple Pay / Google Pay checkout (via API, links, website)
    name: acceptance_standard
    type: usage
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: AE
    unit: 1
    price: 2.9% + 1 AED per transaction (+ 5% VAT on the fee)
    userMultiplied: false
  - label: Ziina Links / QR / NFC / Tap to Pay (merchant-collected)
    name: acceptance_merchant_tools
    type: usage
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: AE
    unit: 1
    price: 2.6% + 1 AED per transaction (+ 5% VAT on the fee)
    userMultiplied: false
  - label: International card / non-AED currency surcharge
    name: international_surcharge
    type: usage
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: global
    unit: 1
    price: +1.5% on top of the standard fee
    userMultiplied: false
  - label: Minimum payment amount
    name: minimum_amount
    type: constraint
    metric: amount
    limit: 2
    timeFrame: transaction
    geo: AE
    unit: 1
    price: 2 AED minimum per payment intent
    userMultiplied: false
  elements:
  - name: Payment Intent API
  - name: Refund API
  - name: Webhooks
  - name: Hosted & Embedded Checkout
- id: ziina-transfers
  name: Ziina Transfers
  type: usage
  description: >-
    Peer transfers between Ziina accounts via the Transfer API.
  currency: AED
  entries:
  - label: Send money to another Ziina Business account
    name: transfer_business_to_business
    type: usage
    metric: transaction
    limit: -1
    timeFrame: transaction
    geo: AE
    unit: 1
    price: free
    userMultiplied: false
  elements:
  - name: Transfer API
- id: ziina-oauth-wallet
  name: OAuth 2.0 Wallet Integration
  type: enterprise
  description: >-
    Platform / partner integrations that let end users connect Ziina wallets
    (top up, request, transfer) via OAuth 2.0. Credentials, allowed account
    types, redirect URIs, and scopes are provisioned by contacting Ziina.
  entries:
  - label: Partner integration onboarding
    name: partner_onboarding
    type: flat
    metric: contract
    limit: -1
    timeFrame: contract
    geo: AE
    unit: 1
    price: contact Ziina (support@ziina.com)
    userMultiplied: false
  elements:
  - name: OAuth 2.0 Authorization
  - name: Account API
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com