PAYMENTS

PAYMENTS

Accept
every way
the world pays.

Accept
every way
the world pays.

Accept
every way
the world pays.

One integration takes cards, wallets, PayPal and local bank methods across the UK, Europe, the USA and Australia.

Book a call

Book a call

Start now

Start now

An invisible chain,
sold as one integration

Card details encrypted, networks reached, the customer's bank asked, the money started on its way to you. Four suppliers' worth of machinery behind one connection.

One line of code.
Live this afternoon.

One line of code.
Live this afternoon.

A ready-made payment page we host. Card details never touch your systems.

Checkout

Checkout

The check appears
only when it should.

The check appears
only when it should.

3-D Secure applied when the law or genuine risk demands, with exemptions requested for low-risk payments.

Fraud and authentication

Fraud and authentication

Renewals that
recover themselves.

Renewals that
recover themselves.

Failed renewals retry at statistically smart times, with expired cards refreshed through the networks.

Subscriptions

Subscriptions

Test everything before
you tell us your name.

Test everything before
you tell us your name.

A complete test environment with fake cards, simulated bank checks, refunds and chargebacks, open to anyone without an account.

Sandbox

Sandbox

An invisible chain,
sold as one integration

Card details encrypted, networks reached, the customer's bank asked, the money started on its way to you. Four suppliers' worth of machinery behind one connection.

One line of code.
Live this afternoon.

A ready-made payment page we host. Card details never touch your systems.

Checkout

Checkout

The check appears
only when it should.

3-D Secure applied when the law or genuine risk demands, with exemptions requested for low-risk payments.

Fraud and authentication

Fraud and authentication

Renewals that
recover themselves.

Failed renewals retry at statistically smart times, with expired cards refreshed through the networks.

Subscriptions

Subscriptions

Test everything before
you tell us your name.

A complete test environment with fake cards, simulated bank checks, refunds and chargebacks, open to anyone without an account.

Sandbox

Sandbox

Principle

Trust,
engineered

Trust,
engineered

Principle

Trust,
engineered

Blocked, challenged, or
waved through, in real time.

Checkout

Checkout

Your checkout,
your fonts,
your colours.

Your checkout,
your fonts,
your colours.

Your checkout,
your fonts,
your colours.

Prebuilt card fields and wallet buttons embedded in your own page design, inheriting your type and your colours.

Prebuilt card fields and wallet buttons embedded in your own page design, inheriting your type and your colours.

Returning customers

Returning customers

The second
purchase takes
one click.

The second
purchase takes
one click.

The second
purchase takes
one click.

With consent the card is stored as a secure token, so the next purchase is one click and a reissued card keeps working.

With consent the card is stored as a secure token, so the next purchase is one click and a reissued card keeps working.

Understand

Understand

Paid daily,
on schedule.

Paid daily,
on schedule.

Paid daily,
on schedule.

Agreed by risk profile when you join. The schedule is stated, explained and never a surprise.

Agreed by risk profile when you join. The schedule is stated, explained and never a surprise.

What one integration gives you

Hosted checkout

One line of code. Live this afternoon.

Drop-in components

Your checkout, your fonts, your colours.

Payment links and QR

No website needed. Send a link, get paid.

25+ payment methods

The method your customer already trusts.

Subscriptions and smart retries

Renewals that recover themselves.

One-click for returning customers

We never store the card. They never retype it.

3-D Secure, applied gently

The check appears only when it should.

Fraud protection

Blocked, challenged, or waved through, in real time.

Multi-currency pricing and settlement

Price and settle in your market’s own money.

Payouts

As fast as daily, on a schedule agreed openly by risk profile.

Open sandbox

Test everything before you tell us your name.

Try it before you sign anything

Sandbox in minutes, live in days.

Book a call

Security &
Compliance

Enterprise-grade security and regulatory compliance built into every layer of Ummah Pay.

✓ GCC-ready infrastructure · ✓ FCA-aligned compliance practices

Security &
Compliance

Enterprise-grade security and regulatory compliance built into every layer of Ummah Pay.

✓ GCC-ready infrastructure · ✓ FCA-aligned compliance practices

PCI DSS v4.0 Level 1 compliant

The highest level of payment data security certification. All cardholder data is protected by default across every Ummah Pay API endpoint.

End-to end encryption

Payment data is encrypted from capture through authorization. Sensitive credentials never touch your servers and are never stored in plain text.

Tokenized data protection

Sensitive card data is replaced with secure, portable tokens. Migrate providers without re-tokenizing. Your tokens go with you.

Real-time fraud monitoring

Risk scoring on every transaction in real time. Configure fraud rules by industry, geography, transaction amount, and risk tolerance.

See how
Ummah works.

Step into the Ummah sandbox and explore the tools built to help modern businesses manage payments, money movement, and operations.

View Sandbox

View Sandbox