MBME Group
MBME Group is a UAE-based, publicly listed (ADX:MBME) fintech holding company operating an integrated ecosystem of payment aggregation, Bank-as-a-Service, digital banking, gold investment, and strategic fintech investments, serving 3.2M+ customers through 4,000+ touch points and 650+ APIs across the UAE, GCC, MENA, and Southeast Asia.
- Company typePublic
- Founded2007
- HeadquartersAbu Dhabi, United Arab Emirates
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What MBME Group does
MBME Group P.J.S.C. is a UAE-based, publicly listed (ADX Growth Market, ticker MBME) fintech holding company founded in 2007 and headquartered at the Landmark Tower in Abu Dhabi. The Group operates four main business verticals — MBME Pay (payment aggregation, bill collection, and gateway services as the UAE's largest technology gateway provider), MBME Wow Pay (middleware, white-label APIs, and Bank-as-a-Service), MBME Neo (digital banking and investment services targeting underserved segments), and MBME Investment (fintech and emerging-technology investment arm) — alongside sub-brands including MBME Gold, Black Orca (immersive technologies), M-Sign (e-signature), Payriff (omnichannel payments), FA Marketing PR & Events, and the recently formed ZENDATA Cyber Defense joint venture. The platform is built on an API-first architecture with 650+ APIs supporting omni-channel payment processing, POS, kiosks, QR payments, digital banking enablement, and BaaS deployments across more than 4,000 touch points in the UAE, with stated expansion across GCC, MENA, Africa, and Southeast Asia.
The Group serves three primary customer segments: UAE government and semi-government entities (digital transformation, citizen service delivery, multi-channel payment integration), financial institutions such as Abu Dhabi Islamic Bank, National Bank of Fujairah, and Ruya Community Islamic Bank (digital banking enablement, fintech integration, and regulatory-compliant solutions), and private-sector enterprises and retail consumers (payment processing, merchant services, and investment products such as digital gold). Revenue is generated through transaction fees on the payment aggregation platform, licensing and implementation fees for BaaS/white-label technology, subscription and platform fees for digital banking, transaction and storage fees on the gold investment platform, and returns from the investment portfolio. Distribution is sales-led, combining direct enterprise engagement, API-based partner integration, and a large physical touch-point network; the company was founded as a 100% Emirati family business and remains family-controlled, led by Chairman Ali Mohamed Saeed Al Badi Al Dhaheri and MD/Group CEO Abdelhadi Mohamed, with a board that includes former IPIC/Mubadala, National Bank of Abu Dhabi, and UAE Banking Federation executives.
MBME Group firmographics
Firmographics- Name
- MBME Group
- Legal name
- MBME Group P.J.S.C.
- Website
- https://mbmegroup.ae
- Company type
- Public
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- MBME Group is a UAE-based, publicly listed (ADX:MBME) fintech holding company operating an integrated ecosystem of payment aggregation, Bank-as-a-Service, digital banking, gold investment, and strategic fintech investments, serving 3.2M+ customers through 4,000+ touch points and 650+ APIs across the UAE, GCC, MENA, and Southeast Asia.
- Ownership category
- akta.pro rank
MBME Group industry classification
Industry- Product category
- Payment Processing & Fintech Infrastructure
- NAICS
- Commercial Banking (522110)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)
- akta.pro secondary industries
- SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations) (FSAGAAAI), Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC), Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD)
Keywords
Where MBME Group is headquartered
LocationHeadquarters
- HQ city
- Abu Dhabi
- HQ country
- United Arab Emirates
- HQ region
- Middle East
Offices1 record
Markets served
MBME Group business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- Payment Processing and Aggregation: MBME Pay serves as the UAE's largest payment aggregation platform, processing transactions and providing payment collection services to government and private sector entities. Revenue is generated through transaction fees and payment processing services across multiple channels including POS terminals, QR payments, and digital platforms.
- Technology Solutions and Licensing: MBME Wow Pay provides proprietary financial technology solutions including middleware, white-label APIs, and Bank-As-A-Service (BaaS) to partners, generating licensing and implementation revenue.
- Digital Banking Services: MBME Neo offers digital banking and investment services, potentially generating revenue through financial service partnerships and platform fees.
- Investment Returns: MBME Investment partners with global technology and fintech providers, investing in emerging markets with returns generated through portfolio company growth and exits.
- Gold Investment Platform: MBME Gold provides real-time physical gold investment and ownership with secure gold storage, generating revenue through transaction fees and storage services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | B2B Enterprise Solutions - Custom pricing based on transaction volume and service requirements |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels8 records
MBME Group product offering
Product offeringCore offering
MBME Group operates a fully integrated fintech ecosystem through four main verticals: MBME Pay (the UAE's largest payment aggregation platform with 650+ APIs and 4,000+ touch points), MBME Wow Pay (middleware, white-label APIs, and Bank-as-a-Service), MBME Neo (digital banking and investment services), and MBME Investment (strategic investment arm in fintech and emerging technologies). The group serves government entities, financial institutions, and enterprises with payment processing, digital banking infrastructure, BaaS platforms, and bespoke fintech solutions across GCC, MENA, and Southeast Asia.
Product overview
MBME Group is a fully integrated fintech ecosystem operating as a UAE-based investment powerhouse with four main business verticals: MBME Pay (payment aggregation and bill services), MBME Wow Pay (financial technology solutions with BaaS and middleware), MBME Neo (digital banking), and MBME Investment (fintech investment arm). The portfolio includes sub-brands MBME Gold (gold investment), Black Orca (immersive technologies), M-Sign (e-signature), Payriff (omnichannel payments), and FA Marketing (PR services). Service categories span payment solutions (POS, kiosks, bill payment, QR payments), financial services (digital banking, loans, BaaS, CRM), technology solutions (APIs, IoT, VR, blockchain), and sector solutions across GCC, MENA, Southeast Asia and industries including healthcare, energy, retail, education, and real estate. The company processes over 90 million transactions across 4,000+ touch points serving 3.2 million customers.
Differentiator
Problem solved
Functional benefit
Brands
- MBME Pay: Payment services provider, bill aggregator, and software developer; largest technology gateway provider in UAE established in 2007.
- MBME Wow Pay
- MBME Neo
- MBME Investment
- MBME Gold
- Black Orca
- M-Sign
- Payriff
- FA Marketing PR & Events
- ZENDATA Cyber Defense
Products and services
- MBME Pay Payment services provider, bill aggregator, and software developer operating as the largest technology gateway in the UAE. Facilitates government, semi-government, and private sector services through a unified API supporting bill payment, e-wallet top-ups, fine payments, donations, voucher purchases, merchant payments, POS systems, and global payment processing.
- MBME Wow Pay
- MBME Neo Digital banking and investment services provider leveraging MBME Pay's existing client base to deliver financial services, virtual cards, loans, crowdfunding, and cutting-edge digital solutions to underserved customer segments in the UAE.
- MBME Investment Investment arm of MBME Group focusing on fintech and emerging technologies, partnering with global technology and fintech providers, with investments in Egypt, Saudi Arabia, Malaysia, and Indonesia.
- MBME Gold Trusted platform for secure gold investment providing real-time physical gold investment and ownership with secure gold storage and seamless access to the bullion market.
- Black Orca Immersive technologies investment company (Versology, ITC Vault, Orca Ventures) pioneering disruptive solutions in XR, AR, VR, blockchain optimization, and digital financial ecosystems.
- M-Sign Digital transformation and contract management platform providing secure, multilingual e-signing solutions for seamless contract execution across UAE and GCC markets.
- Payriff Omnichannel payment solutions provider empowering businesses with comprehensive payment offerings from virtual POS to QR payments, invoice links, bulk payments, and secure instant settlements.
- FA Marketing PR & Events Marketing, PR, and strategic communication agency offering tailored solutions with over 25 years of expertise in strategic communication, social media management, and VIP relations.
- UAE Pro League AI-Powered Digital Platform AI-powered digital platform for UAE Pro League competitions (ADNOC Professional League, Abu Dhabi Islamic Bank Cup, UAE Super Cup) providing personalized fan experiences, a digital content hub, management analytics, and integrated e-commerce.
Quantifiable outcome
- 90 million+ transactions processed
- +3 more outcomes
Companies that use MBME Group
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles3 records
MBME Group technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability5 records
Feature8 records
MBME Group partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and flagship.
- Comera Financial HoldingscoreStrategic collaboration between MBME Group and Comera Financial Holdings (part of Abu Dhabi's Royal Group) to explore opportunities in digital payments, financial services, and merchant solutions within the UAE. Comera Pay will explore integrating Digital Gold investment capabilities, while MBME's merchant network will gain access to Comera's payment products including POS terminals, SoftPOS, payment gateway, QR payments, and business finance offerings. The collaboration aligns with UAE's digital transformation vision and is subject to regulatory approvals.
- ZENDATAcoreJoint venture between MBME Group and ZENDATA to establish ZENDATA Cyber Defense, a new cybersecurity company aimed at enhancing cybersecurity across the Middle East and international markets. The company will leverage regional and global cybersecurity expertise to provide comprehensive cyber resilience services including 24/7 SOC, threat intelligence, incident response, and security advisory.
- WAVZcoreStrategic partnership via MoU between MBME Group and WAVZ (pioneer in business solutions and digital services innovation based in Egypt) to deliver transformative technological solutions within the Middle East and Africa (MEA) region. Focus areas include secure digital payments, digital banking services, customer engagement, risk and compliance, and e-learning.
- Solutions+ (Mubadala Investment Company)flagshipTwo collaborative agreements between MBME Group and Solutions+ (owned by Mubadala Investment Company) to significantly advance UAE's sports and digital technology sectors. The partnership focuses on elevating the UAE on the international sports stage and accelerating digital transformation through innovative technological solutions incorporating AI and advanced digital techniques.
- National Bank of Fujairah (NBF)coreStrategic agreement leveraging MBME Pay's advanced digital solutions and omni-channel offerings to help NBF broaden its reach to a larger customer base while enhancing service quality. NBF is a public joint stock company listed on Abu Dhabi Securities Exchange since October 2005.
- Ruya Community Islamic Bank L.L.CcoreStrategic alliance between MBME Pay (MBME Group subsidiary) and Ruya Community Islamic Bank L.L.C (UAE's pioneering digital-first Islamic bank) to deliver enhanced financial solutions. The partnership leverages MBME Pay's cutting-edge fintech capabilities to enhance efficiency, bolster security measures, and deliver bespoke financial solutions.
- Abu Dhabi Islamic Bank P.J.S.C (ADIB)coreLandmark collaboration between MBME Pay (MBME Group subsidiary) and ADIB to integrate sophisticated financial technologies. The partnership promises faster transactions, heightened security, and an enhanced user experience, setting the stage for a more seamless financial ecosystem.
- UAE Pro LeagueflagshipPartnership agreement making MBME Group the official digital and technology partner of UAE Pro League competitions including ADNOC Professional League, Abu Dhabi Islamic Bank Cup, and UAE Super Cup for three consecutive seasons. The AI-powered digital platform enhances fan engagement, club operations, and revenue streams featuring personalized experiences, digital content hub, management analytics, and integrated e-commerce.
- Abu Dhabi Chamber of Commerce and Industry (ADCCI)coreThree-year collaboration agreement providing digital solutions, innovative technology services, and sustainability-focused APIs including EcoMatcher features for tree-planting and carbon-offsetting capabilities. The partnership aims to enhance strategic partnerships, advisory, consultations, and strengthen relationships with Environment Agency Abu Dhabi and Ministry of Climate Change and Environment.
Scale indicators7 records
Recent moves10 records
Expansion highlights7 records
MBME Group competitors and assessment
Company assessmentDirect peers
- Magnati: Abu Dhabi-based payments company offering payment processing, acquiring, and merchant services to government and enterprise clients in the UAE. Directly comparable to MBME Pay on government-facing payment aggregation and merchant acquiring.
- Network International: UAE-headquartered payment processor and acquirer serving merchants, banks, and government entities across MENA. Closest direct peer to MBME Pay given overlapping merchant acquiring, payment gateway, and government services footprint in the UAE.
- PayTabs: MENA-headquartered payment solutions provider offering online, mobile, and in-store payment processing with a developer API platform. Comparable to MBME Pay on payment gateway and bill aggregation across MENA markets.
- Telr: UAE-based payment gateway and aggregator serving merchants and SMEs with multi-currency online checkout, anti-fraud, and developer APIs. Comparable to MBME Pay's gateway and aggregation offering in the UAE and MENA.
- Tap Payments: MENA-focused payment gateway and aggregator founded in Kuwait with operations across the GCC, Egypt, and Pakistan. Directly competes with MBME Pay on payment aggregation and omni-channel merchant acquiring in MENA.
Broad incumbents
- Adyen: Global unified payments platform with omni-channel acquiring, processing, and BaaS-style capabilities for large enterprises. Competes with both MBME Pay and MBME Wow Pay at the enterprise end of the MENA market.
- Checkout.com: Global payment processor with strong MENA presence serving enterprise merchants and platforms. Operates at greater scale than MBME Pay and competes for the same large enterprise and platform accounts.
- Stripe: Global online payment platform with developer APIs, Stripe Connect (BaaS-like), and broad merchant tools. Competes with MBME Pay on payment gateway and MBME Wow Pay on BaaS-adjacent infrastructure.
Emerging players
- Wio Bank: UAE-based digital banking platform offering business and personal accounts with API-first architecture. Comparable to MBME Neo's digital banking services and to MBME Wow Pay's BaaS positioning in the UAE.
- Mashreq Neo: UAE digital-first banking proposition from Mashreq Bank targeting retail and SME customers with mobile-led onboarding. Comparable to MBME Neo's digital banking ambitions within the UAE market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
MBME Group social profiles
Digital presenceMBME Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
MBME Group leadership team
Management profileNumber of profiles
Profiles10 records
MBME Group subsidiaries and ownership
Company hierarchySubsidiaries10 records
MBME Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MBME Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about MBME Group
What does MBME Group do?
MBME Group operates a fully integrated fintech ecosystem through four main verticals: MBME Pay (the UAE's largest payment aggregation platform with 650+ APIs and 4,000+ touch points), MBME Wow Pay (middleware, white-label APIs, and Bank-as-a-Service), MBME Neo (digital banking and investment services), and MBME Investment (strategic investment arm in fintech and emerging technologies). The group serves government entities, financial institutions, and enterprises with payment processing, digital banking infrastructure, BaaS platforms, and bespoke fintech solutions across GCC, MENA, and Southeast Asia.
Is MBME Group a public or private company?
MBME Group is a public company. It is classified as public and is currently operating.
When was MBME Group founded?
MBME Group was founded in 2007. It employs 51 to 100 people.
Where is MBME Group based?
MBME Group is headquartered in Abu Dhabi, United Arab Emirates, in the Middle East region.
How does MBME Group make money?
Five revenue lines are on record. Payment Processing and Aggregation is the primary driver. The others are technology Solutions and Licensing, digital Banking Services, investment Returns and gold Investment Platform.
Who are MBME Group's main competitors?
Direct peers on record are Magnati, Network International, PayTabs, Telr and Tap Payments. Broad incumbents are Adyen, Checkout.com and Stripe. Emerging players are Wio Bank and Mashreq Neo.
Does MBME Group have an API?
No public API is recorded for MBME Group.
What industry is MBME Group in?
MBME Group's product category is Payment Processing & Fintech Infrastructure. Its primary akta.pro industry code is FSAGALAE, Embedded Deposit Accounts & Digital Wallet Infrastructure, with a secondary code of FSAGAAAI, SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations). Its NAICS code is 522110 and its SIC code is 6159.