180+ countries


120 Currencies


12.5 K + Users


24/7 Support

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Who we are


Explore VaultsPay

Who we are

Easy-to-use, secure, and feature-rich universal solutions for sending and receiving payments.

We want to be the World’s preferred payment solution, so the happiness of our customers is the key to everything we do. Customers tell us all the time why they choose our products – and we listen! For our customers, simplicity, security and speed put the S’s in ‘Success’! We have developed a payments platform with deep functionality, but individual customers tell us they just want to ‘get going with their transactions. With this in mind, we developed an account set-up and transaction process that is intuitive and fast, with the more complex features there when customers are ready to use them, or business partners to deploy them.


Security is a clear priority for both customers and business partners. Our solutions are built on the latest blockchain technologies, the most secure global payment methods currently available, and processed to the very highest international standards. Our customers and partners trust us to look after their money and we won’t let them down!

Deploying the latest technologies also allow our transactions to be fast. Speed is critical to finances, whether it’s a family member waiting to pay a utility bill or an online store processing thousands of transactions a day. We facilitate these payments globally, at the fastest speeds currently available.


Of course, even the best payment solution wouldn’t become the World’s preferred if it was too expensive. That’s why we offer customers and business partners alike the best rates. These low prices combined with the 24/7 customer service and partner success support ensures unbeatable value for money.

If, even after all of these efforts, we’re still not your preferred payment provider, then tell us why! We’ll innovate, we’ll improve, we’ll even create new products for your specific requirements. Our team has the experience, determination, and agility to deliver our Vision and take pride in making you, customers and business partners, happy.

Our Vision

To be the MENA's preferred payment solution.

Our Mission

Our inspiration is continual innovation, aiming for world-class functionality with the safest, most intuitive, and cost-effective customer experience.

Our Goals

To achieve our vision, we know what we need to do

  • Earn the World's Trust - With the latest security features and highest international standards

  • Develop universal payment products suitable for customers and businesses

  • Become a stakeholder and enabler in the success of our business partners

  • Exceed customer expectations to deliver happiness

  • Anticipate changing customer needs and embrace innovation

  • Provide exceptional value for money.


"Innovation distinguishes between a leader and a follower."



Mr. Ahmed Bin Braik has more than 35 years of experience in different fields of finance, business administration and development and oversight of institutional activities. Including his service as a board member in all of Al Masraf Bank UAE, British Telecom Al Saudia, Shuaa Capital, Dubai, PA Arabia Oman, Dubai International Financial Centre (DIFC), Dubai Economic Council, and The Wave Muscat.


Vice - Chairman

Khamis Mohammed Buharoon, the previous Vice Chairman of Abu Dhabi Islamic Bank (ADIB). Prior to his appointment, Khamis held various leadership positions in the banking and finance sector for more than 30 years. In addition to his present roles in ADIB, He also holds various senior positions in the UAE and the region to include: Chairman of Abu Dhabi National Takaful Company, Chairman of ADIB Securities, Board Member of Etihad Capital and Holding Company in Egypt.



Mr. Faisal Galadari is highly experienced Banker, Former CEO of Al Masraf, Arab Bank for Investment & Foreign Trade, Abu Dhabi, UAE. He has over 35 years senior management experience with leading financial institutions covering commercial and consumer banking throughout the region. He is the Chairman of the Board of Directors of EMCMP, Member of the Board of Directors in Ajman Bank, and Noor Capital P.J.S.C. Abu Dhabi and various other business ventures. Mr.Galadari is an astute business professional with a deep understanding of client needs and how to propose impactful solutions.


Member- Founder

Mr. Abdullah Al Suwaidi is serial entrepreneur, who has built and supported the strategy, development and growth of many companies in a career of more than 22 years. He holds a Master degree in Total Quality Management and holds a bachelor’s degree in Engineering Management Sciences.


Chief Executive Officer

Mr. Ahmed Al Refaei has worked for more than 30 years in several banks (BBME, UAB, ADCB and NBAD), his latest Job in Al Masraf (Arab Bank for Investment & Foreign Trade) as COO, his scope of work was covering IT, IS, Operations, Trade Finance, E-Channels and Branches. He is well experienced in financial institutions, retail, corporate lending specifically syndication, Credit and cards operations and treasury operations. Have handled major projects such as core banking implementation, ISO certification, Digital transformation, and process reengineering.


Co-founder & CTO

Ahmed Makhlouf is our co-founder, and an established champion in the innovation of financial technology, cyber security and digital banking solutions. He is the brain behind the technology that powers our class-leading products and the development roadmap that ensures our solutions are future-ready.

Frequently Asked Questions

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What is VaultsPay?

VaultsPay is a payment solutions provider. Our technology allows people to buy online, pay bills or family, and more. Businesses can also use our services to seamlessly provide their own customers with secure payment options.

What kinds of payments can I accept with VaultsPay?

VaultsPay enables customers to use, and merchants to accept, PayPal, Apple Pay, Google Pay, and most credit and debit cards, including Visa, Mastercard, American Express. VaultsPay also offers secure and innovative contactless payment options like QR codes.

How long will it take to get a Merchant account?

Our registration process is intuitive and fast! After completing a form and providing us with the legally required documentation, we start the registration process immediately. The end-to-end process usually completes within 48 hours.

How long will it take to get a Personal account?

Our registration process is intuitive and fast! Download the app, or go online, and after completing the form your wallet could be up and running by the end of the day! the end of the day!

How do I integrate with VaultsPay?

VaultsPay's software tools allow quick and easy integration! Experienced developers can complete basic integration within 30 minutes. Register here to access all of our technical information and SDK and API catalogue.

Can I use VaultsPay with my existing shopping cart, billing, or ecommerce platform?

Yes, VaultsPay works with most of the leading e-commerce and billing platforms, including Big commerce & Magento.

Does VaultsPay have solutions for invoicing and tax?

Yes, VaultsPay has many features that apply tax, automate invoicing, process subscriptions and generate detailed transactional dashboards.

How much does it cost to use VaultsPay?

Our transaction fees are among the lowest in the industry, with no hidden extras. We have flexible packages to suit all customers and businesses from solopreneurs to huge multinationals. Register here to check our prices and find the package that suits you.