What Dibsy does

Dibsy is a Qatar-based payment gateway operator that enables businesses in Qatar to accept online payments through a single REST API integrating international card networks (Visa, Mastercard, American Express), mobile wallets (Apple Pay, Google Pay, Samsung Pay), and local payment rails (NAPS debit, Qatar Mobile Payment, Ooredoo Money, Himyan). The product suite centers on Online Payments, Recurring Payments, Payment Links, a unified real-time Dashboard, pre-built plugins for WooCommerce, Shopify, Magento, and PrestaShop, hosted checkout, and a recently launched POS Terminal. The technical platform is PCI-DSS compliant, implements 3DS2 authentication and tokenization, and offers sandbox testing with client/server libraries and JS SDKs to support developer-led integration.

The company operates a transaction-fee revenue model at a published rate of 2.5% + QAR 1 per successful card and wallet transaction, with twice-weekly QAR settlement and a QAR 1,000 minimum payout. Go-to-market is primarily product-led with self-serve signup, automated KYC approval within 24 hours, and direct API onboarding, supplemented by a small enterprise sales motion and emerging distribution through strategic partnerships with QNB Group and Dukhan Bank. Customer base skews toward Qatar-based SMBs, retailers, and NGOs, with approximately 100+ registered companies and 300,000+ monthly successful transactions.

Dibsy is regulated by the Qatar Central Bank under Payment Service Regulation as a Third Party Payment Service Provider and is the first company in Qatar to enter the Express Regulatory Sandbox for Open Banking. The corporate entity is Paywise Innovation Inc (Delaware), operating through Paywise QFC Branch and Paywise Technology Internet Trading Services in Qatar. Founded in 2020 with a disclosed $300,000 seed round, the company has not publicly announced institutional venture funding despite shipping multiple product launches and tier-1 banking partnerships in early 2026.

Name

Dibsy

Legal name

Paywise Innovation Inc

Website

https://dibsy.one

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Dibsy is a Qatar-based, QCB-licensed payment gateway that enables local SMBs, retailers, and NGOs to accept online and in-person payments via a single API integrating cards, mobile wallets, and local rails, distributed in part through bank partnerships with QNB and Dukhan Bank.

Ownership category

akta.pro rank

Product category

Payment Gateway

NAICS

Activities Related to Credit Intermediation (5223), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

QR Code Payments Wallets (FSAMAEAC)

akta.pro secondary industry

Cross-Border Payouts & Mass Disbursements (Pay-outs) (FSAMAIAJ)

Keywords

• Online payment gateway
• Payment processing platform
• Payment API integration
• Recurring billing software
• Merchant payment services

Headquarters

HQ city

Doha

HQ country

Qatar

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Transaction Fees: Fees charged as percentage plus fixed fee per successful credit card and mobile wallet transaction including Visa, Mastercard, American Express, Apple Pay and Google Pay. Rate of 2.5% + QAR 1 per transaction.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Dibsy is a Qatar-based payment gateway that enables businesses to accept online payments through a unified API supporting credit cards, debit cards, digital wallets (Apple Pay, Google Pay, Samsung Pay), and local Qatari payment methods (NAPS, QMP, Ooredoo Money). The platform offers payment links for no-code acceptance, recurring billing, a developer API with sandbox testing, and a real-time management dashboard, and is licensed by Qatar Central Bank as a Third Party Payment Service Provider.

Product overview

Dibsy is a Qatar-based payment technology company offering an all-in-one online payment platform built for the Qatari market. The core product suite consists of Online Payments (main payment processing), Recurring Payments (subscription/automated collections), Payment Links (no-code payment URL generation), and a Dashboard for real-time transaction management. The platform is unified through a single API integration that connects all payment methods including Visa, Mastercard, American Express, Apple Pay, Google Pay, NAPS debit cards, and local Qatar payment methods. Additional offerings include pre-built plugins for e-commerce platforms (WooCommerce, Shopify, Magento, PrestaShop), hosted checkout pages, and POS terminal solutions. Dibsy is licensed by Qatar Central Bank and operates under Payment Services Regulation for Third Party Payment Services.

Differentiator

Problem solved

Functional benefit

Products and services

• Online Payments

Quantifiable outcome

• Up to 40% reduction in failed transactions
• +2 more outcomes

Named customers7 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

AI capability1 record

Feature9 records

Partnerships

Three partnerships are on record, tiered core.

• Dukhan BankcoreStrategic or Co-development Partner · 9 February 2026Strategic partnership to advance Open Banking in Qatar, revealed at Web Summit Qatar. Supports development of Open Banking use cases while maintaining security, governance, and Shari'a compliance standards. Dibsy is the first company in Qatar to join Express Regulatory Sandbox for Open Banking under Qatar Central Bank supervision.
• QNB GroupcoreStrategic or Co-development Partner · 4 February 2026Strategic partnership agreement signed at Web Summit Qatar 2026 to collaborate on digital payment capabilities, merchant solutions, and technology integration. Partnership aims to enhance customer experience and enable new use cases for businesses across Qatar. QNB is the largest financial institution in the Middle East and Africa.
• Qatar Central BankcoreOthersRegulatory oversight and partnership through Express Regulatory Sandbox for Open Banking. Dibsy is the first company in Qatar to join this sandbox under QCB supervision. Dibsy is licensed by Qatar Central Bank and operates in accordance with Payment Service Regulation.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Tap Payments: Tap Payments is a MENA-focused merchant payment gateway and acquirer offering online and in-person payment acceptance across the GCC. Directly comparable to Dibsy on product (API-first gateway, recurring billing, payment links), target customer (regional SMBs and enterprises), and geography, though operating at significantly broader regional scale.
• HyperPay: HyperPay is a MENA payment gateway serving merchants with online, mobile, and in-store payment processing across the GCC. Directly comparable on product suite (gateway, plugins, recurring, fraud tools) and merchant focus, with broader geographic footprint than Dibsy.
• PayTabs: PayTabs is a payment processing platform operating across the MENA region with online and mobile payment acceptance, developer-friendly APIs, and merchant onboarding flows similar to Dibsy. Direct overlap in target market and product category.

Regional players

• Telr: Telr is a UAE-headquartered payment gateway operating across the Middle East and Southeast Asia, offering online, mobile, and in-store acceptance. Comparable product offering to Dibsy but focused on UAE and SE Asia rather than Qatar.
• Moyasar: Moyasar is a Saudi Arabia-based payment gateway operated by SAMA-licensed entities providing online payment acceptance for merchants. Comparable gateway product, but operates under SAMA rather than QCB and serves a different national market.

Broad incumbents

• Network International: Network International is a large MEA payment processor and acquirer serving banks and merchants across the region. Overlaps with Dibsy on merchant acquiring and processing infrastructure but operates at far greater scale and as a broad incumbent.
• Stripe: Stripe is a global payments platform with API-first developer experience, broad payment-method support, and merchant tooling. Competes with Dibsy for any Qatar-based merchant seeking a global gateway, though it does not natively support local QAR-only rails such as NAPS or QMP.
• Adyen: Adyen is a global unified commerce platform processing payments for large merchants worldwide. Comparable at the technology-stack and acquirer level, but focused on enterprise/global accounts rather than the Qatar SMB segment Dibsy prioritizes.
• Checkout.com: Checkout.com is a global digital payments processor with strong MENA presence via its Dubai hub. Competes with Dibsy for enterprise merchants in Qatar but offers a global acquirer footprint rather than a QCB-licensed local PSP.

Others

• QPay (Qatar Mobile Payments): QPay is the QCB-licensed operator of Qatar's national mobile payment switch. Functionally adjacent as a domestic payment-rail provider rather than a direct merchant gateway competitor; relevant as a potential partner or competitor as Open Banking use cases evolve.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• GitHubgithub.com/dibsyhq
• Xx.com/dibsyhq
• LinkedInlinkedin.com/company/dibsyhq

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dibsy