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Aani

Country: United Arab Emirates (AE)  |  Payment Rail: real_time_payment

RealTimePayment Market Adoption: 45%

Aani is the UAE's official real-time bank transfer platform, supporting instant payments and bank-to-bank QR code scanning.

🔄 User Payment Flow

  1. Customer selects Aani Instant Pay at merchant checkout
  2. Checkout displays an Aani QR code or prompts for customer alias (phone/email)
  3. Customer opens their local UAE mobile banking app and scans the QR code
  4. Customer confirms the payment and authorizes using biometric PIN
  5. Funds transfer bank-to-bank in real-time and customer is redirected

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant calls payment creation API requesting Aani dynamic checkout
  • PSP issues payment alias link or QR code
  • PSP triggers real-time webhook once Al Etihad switch reports clearance

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 PayerMax🔌 Checkout.com🔌 Tap Payments🔌 HyperPay🔌 dLocal🔌 PayTabs🔌 iPayLinks🔌 Airwallex🔌 Adyen