Ziina and Virtuzone partner to deliver unified payments and instant settlement to UAE SMEs

Ziina, the UAE’s homegrown consumer and business payments platform, and Virtuzone, a corporate services provider specialising in company formation, tax, and compliance in the UAE, announce a strategic partnership to strengthen the operational readiness of UAE businesses.

The partnership connects company formation with payments infrastructure. Virtuzone businesses gain access to Ziina’s payment gateway and acceptance capabilities, allowing merchants to accept and manage transactions across both online and in person channels through a unified platform.

Faisal Toukan, Co-founder and CEO of Ziina, stated:

“Entrepreneurs launching businesses prioritise speed, simplicity, and early revenue generation. Payments infrastructure plays a critical role from the moment a company begins operating. Through our partnership with Virtuzone, founders can easily deploy Ziina’s payment solutions, enabling them to accept payments, access funds instantly, and manage cash flow with greater control from day one.”

George Hojeige, Group CEO of Virtuzone, commented:

“Company formation and corporate services are fundamentally about enabling businesses to become operational with speed, while ensuring full compliance and a robust foundation for scalable growth. Payment acceptance represents a critical component of that readiness. Integrating Ziina into the Virtuzone ecosystem provides our clients with a seamless, regulated solution aligned with the realities of modern commerce in the UAE.”

With Ziina’s instant settlement, merchants gain immediate access to received funds, enabling businesses to transact and spend via the Ziina Card directly within the app. This level of liquidity control is vital for SMEs’ operational efficiency and financial stability. Settlement speed and fund visibility directly influence how businesses manage expenses, suppliers, and ongoing financial commitments.

Additionally, expanding payment choice plays a measurable role in conversion and revenue capture. Research from Visa shows that more than 70 percent of UAE merchants reported increased revenue after adopting digital payments, with 68 percent linking business growth to accepting multiple payment methods. Ziina’s platform supports multiple acceptance methods, including payment links, QR code payments, Tap to Pay, card acceptance, and bank transfers.

The announcement comes amid sustained business expansion across the UAE. SMEs represent more than 94 percent of registered companies and employ 86 percent of the private sector workforce, underscoring their central role in the country’s economy. Non-oil economic reforms and SME initiatives have contributed to rapid enterprise growth, with the total number of companies operating in the UAE exceeding 1.4 million at the end of 2025, according to the Ministry of Economy and Tourism.

The UAE’s ambition to position itself as a global center for entrepreneurship continues to drive regulatory modernisation, digital-first government services, and financial infrastructure reforms designed to accelerate business creation and scaling.

Ziina builds regulated financial products designed for the realities of modern commerce in the UAE, enabling SMEs with payment capabilities that prioritise settlement speed, liquidity control, operational simplicity and local customer support.

Virtuzone has supported more than 80,000 entrepreneurs since its founding and provides a comprehensive suite of services spanning company formation, accounting, tax, compliance, and advisory support.