Ziina GTM brain

Ziina offers UAE individuals a digital wallet and businesses tools to accept and manage payments.

category

UAE digital wallet and merchant payments

market profile

  • text: Ziina has expanded from peer payments into business payment links, gateway, tap to pay and cards.
  • text: The company says it is licensed by the UAE Central Bank and operates in the UAE, with a broader regional mission.

personas

  • title: UAE small business owner
    pains:
    • Getting paid quickly without a separate card terminal
    • Tracking payments across online and in-person sales
  • title: E-commerce or finance lead
    pains:
    • Building a smooth website checkout
    • Managing payment collection and cash flow from one place
  • title: UAE consumer
    pains:
    • Splitting bills or sending money without exchanging long bank details
    • Managing everyday spending and currency charges

icp

  • text: UAE-based SMEs, restaurants, service providers and online merchants needing payment acceptance.
  • text: Individuals in the UAE seeking convenient transfers and a digital wallet; specific account eligibility should be confirmed.

message pillars

  • text: Provide fast money movement for businesses and individuals.
  • text: Turn supported phones into contactless payment devices.
  • text: Simplify access to finance for people in the region.

objections

  • objection: Will payment fees erode margins?
    response: Model the per-transaction charge and international-card surcharge for the merchant's ticket sizes and confirm current VAT treatment.
  • objection: Is this suitable for both online and in-person payments?
    response: Review payment links, website gateway and phone-based tap to pay against the merchant's devices and checkout needs.
  • objection: How quickly can funds reach my bank?
    response: Confirm current wallet settlement and bank cashout times for the account before changing payment providers.

competitors

  • name: Telr
    why: UAE-focused merchant payment gateway and online checkout alternative.
  • name: Tap Payments
    why: Regional merchant payment acceptance alternative.
  • name: Jingle Pay
    why: Regional digital wallet alternative for consumers.

influencers

  • name: Faisal Toukan
    url: https://www.ycombinator.com/companies/ziina
    why: Co-founder associated with Ziina's product and market expansion.
  • name: Sarah Toukan
    url: https://www.ycombinator.com/companies/ziina
    why: Co-founder and product leader.

keywords

  • UAE payment gateway
  • UAE business payment links
  • tap to pay UAE
  • digital wallet UAE
  • accept card payments phone Dubai
  • send money UAE app

voice

  • Optimistic and human
  • Simple and design-conscious
  • Regionally rooted

signals

  • text: A UAE merchant is launching online checkout or adding in-person card acceptance.
  • text: A growing business wants to consolidate payment links and payment management.

stack

  • Visa
  • Apple Pay
  • Google Pay

pricing

model: usage
starting price: Business receiving: 2.6% + AED 1 per transaction; international or non-AED payments add 1.5%; VAT treatment should be confirmed because published pages differ.

motion

hybrid

channels

  • app stores
  • SEO
  • partnerships
  • events
  • customer stories

confidence

high

Founders

  • name: Sarah Toukan
    title: Founder
    role: Founder
    bio: Sarah Toukan is the Chief Product Officer and Co-Founder of Ziina. She has product and startup experience across several diverse and exciting spaces, including the fintech space in the UAE, the proptech space in London, and the autonomous vehicle space in Silicon Valley. Sarah graduated from Stanford with a Bachelor’s and Master's Degree in Mechanical Engineering, with a Product Development concentration.
  • name: Andrew Gold
    title: Founder
    role: Founder
    bio: Andrew began his career as an engineer on the iOS Safari team at Apple. He left Apple to join an early stage startup, Distributed Systems, which was later acquired by Coinbase. At Coinbase, Andrew helped build the Coinbase Wallet app, a product which enables users all over the world to store their own crypto and access the decentralized web. Inspired by the mission of expanding economic freedom, Andrew relocated from San Francisco to Dubai to found Ziina.
  • name: Faisal Toukan
    title: Founder
    role: Founder
    bio: Faisal Toukan is the CEO and Co-Founder of Ziina. He has experience across consumer fintech, enterprise sales, blockchain, start-ups, and venture capital with a passion for bringing new technologies to market.

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