A merchant payment gateway in Ras Al Khaimah — Accept, Convert and Settle in One Wallet
Ras Al Khaimah's RAK ICC and RAKEZ free zones make it an easy place to register a trading or e-commerce business, but accepting payment still usually means a card terminal, a separate online gateway, and a spreadsheet to tie the two together at the end of the day. iSAP Exchange is a merchant payment gateway in Ras Al Khaimah built to replace all three with one dashboard: a digital menu with QR-based table payment, online payments, and loyalty tools, settling into a wallet that can hold AED or convert to stablecoins.
How table payment works
Each table gets its own printed QR code. A guest scans it with their phone camera — no app download required — and the menu opens in the browser. They browse, order and pay directly from their phone, and the order appears on the merchant dashboard in real time. Because the guest is paying from their own device, there's no card terminal to buy, rent or maintain — usually the most affordable way to add table payment for a venue that doesn't already have one.
Where a table splits a bill unevenly — some guests wanting to pay for specific dishes, others splitting the total evenly, one person covering the rest — the advanced splitting logic supports all three ways of dividing it, item by item if needed. Tips are passed to the venue without any fee deducted, on top of whatever payment method the guest used.
Settlement
Local AED payments settle through our trusted partner network the same way any account balance does. If your customers are international and prefer to settle in USDC or USDT, that runs through Bridge, our regulated stablecoin partner, and lands in the same wallet as your AED balance — often the best option for a RAK trading business that already invoices international buyers in stablecoins.
Frequently asked questions
What currencies can a Ras Al Khaimah merchant accept and settle in?
AED for local customers through our partner network, and USDC or USDT for customers who prefer to pay in a stablecoin, through Bridge. Both land in the same wallet.
Does the QR table-payment system charge extra for tips?
No. Tips guests add at the table are passed to the venue without a fee deducted, regardless of which payment method was used for the rest of the bill.
Do I need my own card payment terminal?
No. Guests order and pay from their own phone after scanning the table's QR code — no app download and no terminal required on your side.
How is settlement tracked?
Every order and payment appears on the merchant dashboard in real time, the same way transaction status is shown to customers in our FAQ — so you don't need a separate spreadsheet to reconcile the day.