
Botim Money
PayBy, now rebranded as Botim Money, is a UAE-based digital payments provider offering seamless POS and online payment solutions. Integrated within the Botim super app, it enables users and merchants to send, receive, and manage payments securely across the UAE.
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Services offered
Payment Gateway
Accept card and local APMs in select markets via unified APIs
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Point of Sale
Card machines to pay for goods/services in store

Payment Links
Send payment links to customers via social media, email, SMS, or WhatsApp to facilitate online payments.
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Perfect fit for
- 01 Omnichannel payments Viewing In-store and Online payments in one portal
- 02 Alternative Payment Methods Large selection of wallet payment options
- 03 Analytics Get great insights to your payment trends
- 04 Quick Settlement T+1 settlement (Next day settlement) and instantly into your wallet
Integration options
Botim Money (powered by PayBy) offers a range of integration options to suit your merchant needs. You can use online e-wallet integration, where customers select Botim/PayBy at checkout and are seamlessly redirected via deep links to complete payments securely within the app. For more advanced use cases, there’s a full-featured Direct Pay API, enabling server-to-server processing without redirecting customers. Botim also supports JSAPI integration, allowing in-app or in-chat payments via the Botim app’s internal browser for a smooth, embedded experience. Additionally, merchants can generate QR-based or dynamic QR payments for in-store or on-the-go transactions, offering flexible payment choices in physical environments.
Hosted checkout pages
Direct API
APP JSAPI

Pricing & settlement
- POS
- Terminal cost: AED 1200
- Inactivity fee (Min AED 10k Monthly transaction volume per merchant): AED 200
- Domestic cards 2.25%
- International Cards 3.25%
- Wallets: 2.75%
- Ecommerce
- One Time Setup Cost: AED 2,500
- Chargeback fees: AED 90
- Per Transaction fees: 1 AED
- Domestic cards: 2.75% + 1AED
- International Cards: 3.25%
Exact pricing depends on use case and volumes. Take the Test to get matched and introduced directly.

Compliance & licenses
PayBy was launched in 2005 and authorized as a payment institution to simplify cashless transactions between consumers and businesses. Acquired by Astra Tech in May, 2022, they received their SVF and RPS licenses from the Central Bank of UAE to provide seamless fintech solutions for Astra tech’s upcoming app on January 5, 2023.
- Regulatory license from UAE
- Transaction risk analysis
- 3D secure authentication
- AI-based fraud monitoring
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