Take payment where the sale happens. Reconcile it where the business runs.
Route supported online and in-store payments through one commerce workflow, handle mixed tenders, track fees and settlement references, and connect each payment back to the order, customer and ledger.
AED 48,920.00
AED 48,186.20
Standard Interchange OnlyTest terminal checkout and automated bank reconciliation.
Trigger a sale on the terminal simulator to watch it automatically balance against the bank settlement ledger.
Multi-Terminal Stations & Fiscal X/Z Reports
Map iPad registers, desktop terminals, and mobile barcode guns with blind drawer close enforcement.
Automated Payment Gateway & Bank Settlement Matcher
Matches merchant gateway deposits against Emirates NBD / Mashreq accounts with zero fee discrepancy.
Accept any tender without running separate reconciliation books.
Split transactions between cash, card, Tabby, and customer store credit with automatic FTA-compliant receipt generation.
0% platform commission on every transaction.
KeynoStore is not a payment aggregator that holds your funds or takes a cut of every sale. You connect directly to your preferred merchant account with standard domestic interchange fees and receive direct T+1 bank payouts.
Funds settle directly into your UAE corporate account with zero holding periods or foreign exchange conversion fees.
Refunds initiated at the POS counter or online dashboard automatically reverse tax entries and adjust gross revenue.
Every digital and printed receipt includes an encrypted FTA verification QR code and sequential invoice number.
Every sale has a payment context.
Whether a customer is tapping an Apple Watch at a Dubai retail counter, purchasing from home on their laptop, or completing a service booking via WhatsApp payment link, payment context remains unified.
- Integrated uTap by e& terminal support for physical chip & PIN and contactless cards
- Online web checkout with tokenized card storage and Apple Pay express checkout
- Two-stage reserve payment links for custom orders and telephone bookings
Supported payment methods, one order record.
Accept all premier payment methods popular in the UAE and GCC. From major international card networks (Visa, Mastercard, Amex) to Apple Pay, Google Pay, and interest-free BNPL with Tabby.
- Native integration with regional payment service providers (PSPs)
- Tabby Buy Now Pay Later increases average order value by up to 35%
- All payment methods feed into a single unified order and customer record
Cards & Mobile
Visa, Mastercard, Apple Pay, Google Pay
Regional BNPL
Tabby 4-Installment Split
In-Store Terminals
uTap by e&, Sunmi POS
Cash & Store Credit
Cash drawer and digital gift cards
Split tenders without split reporting.
Customers frequently want to pay partially with cash and partially with card, or use store credit alongside Apple Pay. KeynoStore seamlessly splits transactions across multiple tenders on a single invoice.
- Support unlimited split tenders on any single sales order or invoice
- Itemized tender receipts displaying exact cash tendered and electronic authorizations
- Zero reconciliation headache for accountants balancing shift end totals
See the fee behind the transaction.
Eliminate payment gateway fee surprises. Every transaction logs itemized interchange and processing fee deductions in real-time, providing immediate visibility into exact net proceeds before funds reach your bank.
- Real-time calculation of gateway processing fees per transaction
- Zero hidden percentage take-rates or platform markups from KeynoStore
- Immediate net revenue reporting feeding directly into profit and loss metrics
Match settlement back to sales.
Reconciliation should take minutes, not days. KeynoStore correlates payment terminal batch settlement reports and gateway bank payout manifests directly back to individual orders using unique authorization codes.
- Automated matching of bank statement deposits with POS and web batches
- Identifies outstanding payouts and unresolved chargeback authorizations
- Eliminates manual spreadsheet cross-referencing between terminals and bank accounts
Refunds and exceptions stay traceable.
Handle refunds, exchanges, and voids without breaking financial integrity. Every refund is linked to the original payment authorization, automatically adjusting inventory, VAT liabilities, and customer records.
- Partial and full refunds processed directly back to the original payment card
- Issue store credit vouchers with cryptographic barcode for in-store redemption
- Audit trail logs cashier ID, manager override PIN, and refund rationale
Tender: uTap Terminal Card Refund • Auth: #REF-440192 • Approved by Manager PIN
Payments feed finance automatically.
Stop re-typing sales totals into accounting software. Payment receipts automatically generate double-entry journal entries, posting debits to Cash/Bank and Merchant Clearing accounts, and credits to Revenue and VAT Payable.
- Real-time double-entry journal posting for every payment and refund event
- Segregated clearing accounts for each payment gateway and retail terminal
- Instant preparation of monthly sales tax figures for UAE FTA VAT 201 filing
Commercial terms belong in one source of truth.
No hidden fees, no delayed payouts, and no surprise charges. Keep your payment processor terms, interchange rates, and daily settlement schedules visible in your platform dashboard.
- Direct UAE bank account settlement with zero platform escrow delays
- Clear rate schedules rendered directly from central platform settings
- Support for multi-merchant TRN routing across different corporate branches
Payments Hub Architecture & Reconciliation Limits
Supported protocols, payment settlement cadences, and compliance parameters.
Modules That Share Data with Payments Hub
Data logged here updates connected inventory, customer records, and ledger accounts in real-time.
In-Store POS
Integrated counter checkout with uTap terminal card processing
Storefront Studio
Online checkout with Apple Pay and 4-installment Tabby
Accounting & VAT
Automated general ledger journals and bank reconciliation
Customer CRM
Track customer lifetime spend and payment preferences
Unify your in-store and online payments.
Accept credit cards, Apple Pay, and Tabby BNPL with direct UAE bank settlement and zero platform commission.