2 digital payments in Qatar you should know about
As Qatar continues to embrace cashless transactions, digital payment methods have become an essential part of everyday life, offering convenience, security, and efficiency.
1. Debit and credit cards
According to Visa’s latest “Where cash hides” research, based on a survey of 2,800 individuals across GCC:
- 58% of respondents made only 1-2 out of their last 10 transactions were in cash.
- Only 4% of respondents claimed they made all the last 10 transactions with cash.
Thus, although cash payments aren’t obsolete in Qatar, payment via debit or credit cards remains one of the most popular digital payment methods.
Visa and Mastercard are, by far, the most widely accepted card types, with American Express used less frequently.
Key Qatari banks, such as Doha Bank, QNB, and Commercial Bank of Qatar, allow you to accept international and local online credit and debit card payments.
However, the onboarding process may take time, and the fees are often tied to additional banking services.
Regarding security, many Qatari banks use 3D Secure technology, verified by Visa, Mastercard SecureCode, and similar programs.
This adds an extra layer of security to online transactions because you must enter a one-time password (OTP) sent to your mobile phone or email address, verifying that you are a legitimate cardholder.
💡 Worth knowing:
Dibsy, which provides a unified platform for accepting various payment methods, including credit and debit cards, partnered with QNB to launch the enhanced version of Visa Click to Pay for retailers in Qatar.
It makes online payments easy and safe by removing the need to type in 16-digit card numbers, remember passwords, or complete long forms.
Advanced authentication solutions, including biometrics, remove the need for passwords or one-time codes, while the EMVCo tokenization improves security for digital payment channels.
In Qatar, eCommerce transactions on the Visa network increased by 200% over the last 4 years.
Thus, Dibsy's mission has been to revolutionize the online checkout experience, making it:
- Faster,
- Simpler, and
- More secure to boost conversion rates and revenue for merchants.
💡Pro tip:
With Dibsy, you can easily create payment links without any technical skills.
Once you’ve created the link and sent it to your customers, they can choose two payment options via:
- their credit card or
- the standard local bank debit card.

Furthermore, you can create personalized payment pages and links with the amount, description, and details to provide extra info to your customers.
The customization doesn’t stop there — You can add your logo and customize the color scheme to incorporate your logo and branding colors to reinforce your brand identity.

Another important aspect is that you can monitor the payment status in real time for instant transaction visibility.
2. Mobile Wallets
Qatar boasts the fastest average mobile internet connection worldwide, nearly 335 Mbps.

These impressive statistics, combined with the rise of eCommerce and online shopping in the Qatari region, enabled the rise of mobile wallets.
Mobile wallets are digital apps that store payment information securely on a smartphone or other connected devices.
This way, you can make transactions without cash or physical cards.
These wallets work by linking your bank account, credit or debit card, or stored balance to facilitate payments in a fast, convenient, and secure manner.
Usually, mobile wallets use advanced security measures like encryption, tokenization, and biometric verification.
Popular mobile wallets in Qatar include:
- Qatar Mobile Payment (QMP) — The official mobile payment system regulated by the QCB. It allows you to send money, pay bills, and make purchases using QR codes.
- Ooredoo Money — One of the most widely used mobile wallets in Qatar, popular for international remittances, mobile top-ups, and bill payments. It allows international money transfers to 200+ countries and territories with MoneyGram.
- Apple Pay, Google Pay, and Samsung Pay — These global mobile wallets provide secure, NFC-based contactless payments supported by most major banks in Qatar. They allow you to make payments using your smartphones or smartwatches.
💡 Pro tip:
Did you know that Dibsy’s unified platform integrates all payment methods, allowing you to effortlessly accept a wide range of payment options, including:
- Credit cards,
- Debit cards,
- Popular digital wallets, and
- Even local payment methods.
You have complete visibility and control, from real-time payment monitoring to streamlined refund processing.

As a result, you can reduce operational complexity while ensuring compliance with Qatar Central Bank regulations.
How can Dibsy help you accept digital payments??
Qatari digital payment niche is a vibrant and dynamic place providing versatile options to streamline and facilitate payment processes.
While the majority of solutions usually cater to a single digital payment method or have a longer onboarding process, that isn’t the case with Dibsy.
Dibsy provides a centralized platform that integrates all payment methods and helps you:
- Manage payments in real time,
- Handle refunds and
- Monitor your integration.
🔥 Our robust API allows easy integration with your current systems, providing the flexibility and customization you need.
🔥 Moreover, plugins and SDK integrations simplify checkout and help minimize compliance costs.
🔥 Our system goes beyond accepting payments — It features real-time fraud detection and adheres to the highest security standards, PCI-DSS and 3DS2, to protect every transaction.
🔥 Thus, you can enjoy the benefits of multi-currency support and quick settlement times, with payments processed twice a week.
🔥 Leverage powerful data analytics, such as gross volume, conversion rates based on the payment method, the number of successful payments, etc., to get actionable insights into your business performance.
🔥 Manage subscriptions, memberships, and installment payments quicker and more efficiently and customize billing frequencies to match your customers’ needs.
Enticed to see Dibsy in action?
Sign up for a Dibsy account today to ensure a smooth transaction for all your payment types.
FAQ
1. What are the top 5 payment gateways in Qatar?
Qatar's payment industry opened the door to many payment gateways that promote digital transformation.
The top 5 players include Dibsy, MyFatoorah, Sadad, SkipCash, and Tap Payments.
2. How to use Apple Pay in Qatar?
Apple Pay is a convenient and secure payment method in Qatar, allowing you to purchase using Apple devices.
Several banks in Qatar support Apple Pay, including Commercial Bank of Qatar, Qatar National Bank (QNB), Doha Bank, and Qatar Islamic Bank (QIB).
As a payment gateway, Dibsy also accepts Apple Pay and other payment methods, such as credit cards, debit cards, digital wallets, and local payment methods.
3. Are credit cards widely accepted in Qatar?
Credit cards remain a highly convenient payment option in Qatar, especially with the increasing adoption of digital and contactless transactions.
Visa and Mastercard dominate the Qatari market and are issued by major Qatari banks. Recently, Dibsy partnered with QNB to launch the enhanced version of Visa Click to Pay for retailers in Qatar, providing advanced security and smoother authorization possibilities.