Top 10 Payment Gateways and Processors in Egypt 2025

Egypt’s large, young population is rapidly adopting digital payments. With ~90 million people (most under 30) and about 35.6% internet penetration, Egypt boasts a $5.4 billion e-commerce market growing around 12% per year (Source). Government push for financial inclusion and regulation (e.g. Egypt’s FRA) is driving a cashless economy. Startups and e‑commerce companies in Egypt need reliable payment gateways and processors (both local and global) to meet consumer demand. In this report, we rank the top 10 payment solutions in Egypt (2024/2025), detailing their features, benefits, limitations, and ideal use cases. Key criteria include security (PCI compliance), ease of integration, fees, currency support, and customer reach.

Top 10 Payment Gateways and Processors in Egypt (2024–25)

Below are the leading payment platforms for businesses in Egypt, ranked by market impact and relevance. Each entry includes features, pros/cons, and use cases.

1. Fawry (Egypt) (Source)

Fawry is Egypt’s largest e-payments network, founded in 2008. It provides online and offline payment services (bill pay, mobile top-ups, card/e‑wallet acceptance) via a vast agent network. Fawry processes ~3 million transactions per day across 250,000+ physical agents and kiosks, serving ~35 million monthly users. Its PCI‑DSS‑compliant platform integrates with local banks and mobile wallets.

• Key Features: Wide offline/online reach; supports Meeza (national cards), Visa/Mastercard, mobile wallets. Digital wallet (“myFawry”) and bill payment services.
• Benefits: Trust & Reach: Unmatched local footprint (post offices, shops, ATMs). Offers cash payments (via vouchers/agents) and cards. Real-time settlement and notifications.
• Limitations: Primarily Egypt-focused (limited multi-currency). Fees can be higher than some pure online gateways. Integration requires local bank partnerships.
• Best For: Any Egyptian business (SMEs to enterprises) that needs a trusted all-in-one gateway, especially where customers prefer cash or local payment methods. Ideal for utilities, telecom, and e-retail.

2. PayMob (Egypt) (Source)

PayMob is a homegrown fintech (launched 2015) that’s rapidly expanding in the MENA region. It is an omnichannel gateway offering APIs, hosted pages, and POS solutions. PayMob handles payments via cards, mobile wallets (e.g. Orange Money), bank transfers, and even cryptocurrency. According to Forbes, PayMob “serves around 390,000 businesses and facilitates payments for more than 18 million users” across Egypt, UAE, Saudi, Pakistan and Oman.

• Key Features: Multi-channel Support: Credit/debit cards, digital wallets, in-person POS, cash-on-delivery modules. Developer-friendly APIs and plugins for Shopify, WooCommerce, etc. Comprehensive merchant dashboard and reporting.
• Benefits: Scalability: Designed for fast growth; easy “instant onboarding”. Strong fraud tools and 3D Secure support. Competitive fees for domestic (Egypt) transactions. Omnichannel (online+POS) capabilities.
• Limitations: Relatively new (post-2015), so some global brands may still prefer older gateways. International processing relies on partnerships (though it has multi-currency support).
• Best For: Startups and SMEs that want a modern, easy-to-integrate gateway built in Egypt. Especially good for online retailers, subscription services, and exporters who need cross-border sales.

3. Telr (UAE)

Telr is a UAE-based gateway popular across MENA, including Egypt. It specializes in secure cross-border e-commerce payments, handling transactions from 120+ countries (Source). Telr supports multi-currency checkout and even has a mobile app for payments on the go.

• Key Features: Cross-Border & Multi-Currency: Accepts payments globally in 120+ countries, with built-in currency conversion. PCI‑DSS compliant platform. Supports credit/debit cards, Apple/Google Pay, and mobile wallets. Also offers recurring (subscription) billing tools.
• Benefits: Security & Reliability: Advanced fraud prevention, tokenization, and encryption protect each transaction. Fast payouts and settlement to merchants (often daily or weekly). User-friendly plugins for major e-commerce platforms.
• Limitations: Not locally licensed in Egypt, so might require KYC with Telr’s UAE/KSA entities. Currency conversion fees can apply for cross-border charges. Limited physical support/agents in Egypt.
• Best For: Egyptian e-commerce businesses selling internationally or multi-country companies needing a single gateway across MENA. Also suitable for subscription-based services.

4. HyperPay (Jordan/MENA)

HyperPay is a MENA-focused payment processor headquartered in Jordan, with growing operations in Egypt. It offers a full suite for e-commerce: online checkout pages, payment APIs, and analytics. HyperPay supports payments via all major credit cards, local Arab digital wallets, and bank transfers.

• Key Features: Comprehensive Gateway: Supports card, mobile wallet (like Apple Pay), and bank account payments. Advanced analytics dashboard with transaction insights. Full PCI‑DSS compliance built-in.
• Benefits: Flexibility: Easy integration with common e-commerce platforms. Multi-currency acceptance for global customers. Enhanced security with robust fraud detection.
• Limitations: Lesser-known brand in Egypt compared to Fawry/PayMob, so trust factor may be lower for consumers. Local on-the-ground support is limited (support via region).
• Best For: Medium to large online retailers in Egypt seeking a regional gateway. Especially good for businesses targeting multiple Arab countries (Jordan, KSA, UAE, etc.) with one platform.

5. PayTabs (Saudi/MENA)

PayTabs is a Saudi-based global gateway (founded 2014) actively operating in Egypt. It offers payment orchestration and supports 168 currencies worldwide. PayTabs provides hosted checkout pages, APIs, recurring billing, and even QR-code payments.

• Key Features: Multi-Currency & Multi-Industry: Accepts payments in 168 currencies. Rapid merchant onboarding (“instant activation”). Customizable flow (branding, 3D Secure). Payment link and invoice tools.
• Benefits: Enterprise-Friendly: Strong fraud tools, PCI‑DSS compliance, with competitive pricing tiers. Good local currency settlement options (EGP). Backed by growing MENA network (E‑commerce clients, airlines, etc.).
• Limitations: Like Telr, it’s not an Egyptian company per se (mostly licensed in KSA/UAE), so local customer support may be virtual. Some Egyptian banks might need additional integration.
• Best For: Egyptian businesses with international customers, or global companies wanting to sell in Egypt. Suited for medium and large enterprises needing multi-currency payments.

6. Accept (Egypt)

Accept (formerly Paynas) is an Egyptian fintech startup offering an all-in-one gateway and POS solution. It combines online checkout pages, mobile SDKs, and physical point-of-sale terminals under one platform. Accept supports card payments, e-wallets, and bank transfers.

• Key Features: All-in-One Platform: Online gateway plus in-store POS (Android POS devices) and virtual terminals. Recurring payment support for subscriptions. APIs and plugins for popular website builders.
• Benefits: Local Focus: Tailored for Egyptian SMEs. Very competitive fee structure (low rates compared to banks). 24/7 local customer support in Arabic. Integration with Egyptian tax and billing systems.
• Limitations: Still growing – smaller merchant network than older players. May not support as many international cards/currencies out of the box.
• Best For: Local small-to-medium Egyptian businesses (shops, cafes, services) needing affordable payments. Ideal for those that want one provider for online and in-store payments, with local support.

7. Amazon Payment Services (APS) (UAE/MENA) (Source)

Amazon Payment Services (formerly PayFort) is the Amazon Group’s MENA-focused payment gateway. It’s available in 9 Middle East countries (including Egypt) and trusted by over 3,500 businesses. APS offers everything from online gateway APIs to buy-now-pay-later (BNPL) installments.

• Key Features: MENA Coverage: Functions across UAE, Saudi, Egypt, and more. Supports Visa, Mastercard, Amex, Apple Pay, and regional wallets. Easy payment link and hosted checkout options. Data insights and fraud scoring tools.
• Benefits: Brand Trust: Backed by Amazon’s infrastructure. Scalable for high volumes – many e-commerce firms (travel, retail) use it. Multi-installment and Sharia-compliant options. Straightforward dashboard and detailed reports.
• Limitations: More focus on larger businesses; signup may involve stricter underwriting. Geared to MENA markets, so some global payment methods (e.g. US-specific ones) may be absent.
• Best For: Large Egyptian enterprises and online stores (e.g. ticketing, airlines, large retailers) looking for a multi-country, scalable solution. Also good for regional expansion beyond Egypt.

8. 2Checkout (Verifone) (USA/Global) (Source)

2Checkout (now part of Verifone) is a global payment aggregator used by international merchants selling in Egypt. It offers e-commerce payment processing and tax compliance (merchant-of-record service). With support for 200+ currencies (including EGP) and ~45 payment methods, it enables broad coverage.

• Key Features: Global Reach: Accepts payments worldwide with dynamic currency conversion. Supports credit cards, PayPal, and localized methods. Ready-made plugins for WordPress, Magento, Shopify etc.
• Benefits: One-Stop Global Checkout: Handles VAT/sales tax in many countries. Free API integration and no setup fee. Offers fraud protection and PCI compliance out of the box.
• Limitations: Fees include a standard percentage plus a cross-border surcharge (e.g. 2% fee on non-local sales). Not tailored for Egypt specifically, so integration may require an international entity (the merchant-of-record model). Settlement typically in USD (converted to EGP by banks).
• Best For: Egyptian businesses that sell digital goods or subscriptions internationally, and non-Egyptian companies wanting to accept payments from Egyptian customers without setting up a local entity.

9. Paymentwall (Global)

Paymentwall is a San Francisco–based global payment platform with a strong footprint in emerging markets. It supports 150+ currencies and a huge variety of methods (credit cards, e-wallets, mobile carriers, kiosks, etc.). In practice, Paymentwall lets you accept many local payment types through one integration.

• Key Features: Worldwide Payment API: Cards, bank transfers, mobile money, gift cards, and alternative payments. Pricing engine adapts to customer currency. Includes global anti-fraud filters.
• Benefits: Versatility: Can sell digital products to Egyptian customers using local options (FawryPay, OneCard) alongside global cards. Hosted checkout widgets and APIs streamline integration. Dedicated support for high-risk verticals (games, software).
• Limitations: More complex pricing (monthly + transaction fees). Suited to digital content or international sales – may be overkill for simple local retail. All settlements usually in USD or EUR.
• Best For: Companies (especially startups or content providers) that need one gateway to cover global markets including Egypt. Good for selling games, software, online services, or any product where Egyptian customers might prefer alternatives to international cards.

10. PayPal (USA/Global)

PayPal is the world’s best-known online wallet and gateway. It lets users pay via their PayPal account or linked cards. It supports almost every currency and is easy to integrate. However, in Egypt PayPal has limitations: Egyptian sellers can receive payments but face high withdrawal fees and strict KYC. (Many merchants use PayPal only for international clients.)

• Key Features: Ubiquity: Almost all Egyptian customers know PayPal. Can check out via PayPal or guest card entry. Instant email payment notifications.
• Benefits: Familiarity & Trust: Buyers feel safe paying via PayPal’s platform. No setup or monthly fees; only per-transaction charges (e.g. ~2.9%+fixed). Buyer/seller protection programs.
• Limitations: Egyptians must link PayPal to a foreign bank account or debit card to withdraw funds – not ideal for most local businesses. Many merchants avoid it unless selling overseas. High cross-border fees.
• Best For: Egyptian freelancers or small e-shops with mostly foreign customers, and international companies accepting payments from Egypt. (For Egypt-to-Egypt sales, local gateways are usually better.)

Comparison of Key Features

Conclusion

Choosing the right payment gateway in Egypt depends on your business needs. Local giants like Fawry and PayMob offer deep reach within Egypt’s cash-loving market, while international gateways like Telr, PayTabs, and 2Checkout enable global sales and multi-currency acceptance. Key factors include ease of integration (APIs/plugins), transaction fees, local support, and security compliance. For example, businesses selling mainly inside Egypt may prefer local processors (Fawry, Accept) for lower fees and trust, whereas exporters or regionals sellers might lean on international gateways (Telr, PayTabs) for cross-border ease. Always compare fees, currencies, and tech support before deciding.

We hope this guide helps startups, developers, and e-commerce managers understand Egypt’s payment landscape. Feel free to explore each provider’s latest offerings and promotions to find the best fit.

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