MiSPay expands across MENA with new licences in the UAE and Jordan
Local licences, local settlement, and Arabic-first support in every market. MiSPay explains the sequence it follows before opening a country to all shoppers.
MiSPay is now fully licensed and live in the UAE and Jordan, alongside its home market of Saudi Arabia, completing a two-year regional expansion programme.
Full availability means the same thing in every market: a local licence, local settlement in local currency, local customer support in Arabic and English, and instalment terms reviewed against local consumer-protection rules before a single order is taken.
The sequence, in order
Expansion is a sequence, not a launch date. MiSPay runs the same four stages in every new market, and does not skip ahead when commercial pressure suggests it should.
Licence. Regulatory approval before any shopper-facing activity
Anchor merchants. A cohort of 20 to 40 retailers across at least three categories
Collections proof. Two full repayment cycles measured locally, not modelled
General availability. Opened to all shoppers and merchants in the market
What is different in each market
United Arab Emirates
The UAE cohort skews toward electronics, travel, and premium home goods, with a higher average order value than the regional mean. Settlement runs in dirhams, and MiSPay supports both Arabic and English across every shopper touchpoint.
Jordan
Jordan's rollout was deliberately the slowest. Basket sizes are smaller, repayment behaviour is more sensitive to salary cycles, and the plan mix reflects that: shorter plans, smaller instalments, and due dates that a shopper can align to a pay date once per plan.
Saudi Arabia
The home market remains the largest by volume and the reference implementation for everything else. Features ship there first and expand outward once operational metrics hold.
"A market is not open because the product works. It is open because collections, support, and disputes work in that market's language and on that market's calendar."
Operating principles
Local licensing before launch, without exception
Settlement and reporting in local currency
Arabic-first shopper communication, reviewed by local teams
No late-fee structure that compounds
Hardship handling routed to a human within one business day
What this unlocks for merchants
Regional retailers can now run one integration and one settlement relationship across three markets, with a single merchant console showing performance by country, category, and plan length. Cross-border merchants no longer need a separate provider per market, and campaign inventory inside the MiSPay app can be targeted by market.
Two additional markets are in regulatory preparation, with announcements expected once licensing completes.
About MiSPay
MiSPay is a regional payments company that lets shoppers split purchases into predictable instalments and helps merchants convert more of the demand they already have.
For press enquiries, contact press@mispay.co.
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