UAE companies often collect and pay across the Middle East, the US, Europe, and Asia. This guide covers the available AED, USD, and EUR rails, account setup, onboarding documents, and local stablecoin regulation.
International payment routes for UAE companies
An approved UAE company can use HEVN to collect and send AED, receive USD or EUR from overseas customers, and pay international suppliers. Invoices, transaction records, and supporting documents stay together for reconciliation and review.
For most customer and supplier payments, fiat transfers provide the clearest transaction record. Depending on the account and corridor, supported rails include UAE FTS, IPP, ACH, US domestic wire, SWIFT, SEPA, and local bank transfers.
Supported payment rails
USD is available through SWIFT. UAE FTS and IPP support both pay-in and payout with account details in the company's name.
| Currency | Direction | Corridor | USD vs Spread | Payment Fee | Sender account |
|---|---|---|---|---|---|
| USD | Pay-in | SWIFT (Global) | - | $25 | Account under your company name |
| USD | Payout | SWIFT (Global) | - | $25 | Account under your company name |
| AED | Pay-in | IPP | 0.30% | Free | Account under your company name |
| AED | Pay-in | FTS | 0.30% | Free | Account under your company name |
| AED | Payout | IPP | 0.30% | Free | Account under your company name |
| AED | Payout | FTS | 0.30% | Free | Account under your company name |
Documents to prepare
For onboarding, a UAE company should prepare:
- a current Trade Licence
- a Tax Registration Number (TRN) Certificate
- an Ejari tenancy contract, DEWA or ADDC bill, or business bank statement dated within the past 90 days as proof of address
- a Power of Attorney or Wakala with a certified Arabic translation where required
HEVN may also request formation and registry records, identity documents for directors and beneficial owners, an ownership chart, contracts and invoices, expected counterparties, and evidence of source of funds.
Stablecoins and regulation in the UAE
The Central Bank of the UAE Payment Token Services Regulation, Circular No. 2/2024 regulates payment-token issuance, conversion, custody, and transfer. Providers need the relevant CBUAE licence or registration, and the regulation excludes algorithmic stablecoins and privacy tokens from permitted payment-token activity.
UAE companies may use supported stablecoins through approved providers, subject to the token, payment purpose, and compliance review. For ordinary customer and supplier payments, fiat transfers through FTS, SWIFT, or SEPA are usually simpler and create bank records that are easier to reconcile for accounting and tax reporting.
Benefits of a Fiat Account for a UAE company
- Receive payments from US customers through ACH or domestic wire.
- Use account details in your company's name to match incoming payments with customers and invoices.
- Keep USD to pay US suppliers, contractors, software vendors, and other operating costs.
- Move funds between AED, EUR, and USD accounts when another currency or payment rail is needed.
- Keep invoices, payment records, confirmations, exports, roles, and approvals in one workspace.
We'll confirm available accounts, payment rails, limits, pricing, and expected account-opening time during onboarding.
