Telr GCC Payment Gateway API
Telr GCC payment gateway REST API for businesses across the UAE, Saudi Arabia, and MENA region to accept credit/debit cards, Apple Pay, KNET, MADA, Fawry, installments, and cryptocurrency payments with multi-currency checkout in 130+ currencies through a single gateway. Enables AI agents to manage payment request creation for UAE and GCC e-commerce automation, handle multi-currency card acceptance for MENA payment automation, access installment payment configuration for UAE BNPL automation, retrieve payment status and verification for GCC order confirmation automation, manage subscription and recurring payment for GCC subscription automation, handle refund processing for MENA order management automation, access hosted payment page for PCI-compliant checkout automation, retrieve transaction reporting for GCC financial reconciliation automation, manage fraud detection for MENA payment security automation, and integrate Telr with UAE e-commerce, marketplace, and enterprise platforms for end-to-end GCC payment automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
GCC payments. PCI-DSS. Store ID/Auth. AE. Card payment data.
⚡ Reliability
Best When
A UAE, Saudi Arabia, or MENA merchant wanting AI agents to automate multi-currency card, Apple Pay, KNET, MADA, and installment payment acceptance through Telr's GCC-native payment gateway.
Avoid When
UAE CENTRAL BANK PAYMENT REGULATION: Telr operates under UAE Central Bank and CBUAE regulations; automated payment operations must comply with CBUAE transaction limits and AML requirements; automated payment without merchant KYC creates compliance rejection. HOSTED PAYMENT PAGE FOR PCI COMPLIANCE: Telr recommends hosted payment page for PCI-compliant card acceptance; direct server API card charging increases PCI scope; automated direct card charge without hosted page requires PCI DSS Level 1 certification. CURRENCY CONVERSION RATE TIMING: Telr multi-currency checkout uses real-time exchange rates; automated currency conversion must account for rate fluctuation; automated multi-currency reporting without rate locking creates reconciliation variance. INSTALLMENT ELIGIBILITY PER BANK: GCC installment plans depend on card-issuing bank support; automated installment checkout must verify bank eligibility; automated installment for all cards creates non-eligible card rejection for banks without installment agreements.
Use Cases
- • Accepting multi-currency card payments from UAE and GCC merchant agents
- • Processing MADA and KNET local cards from MENA regional payment agents
- • Managing installment/BNPL payments from UAE buy-now-pay-later agents
- • Handling multi-currency checkout from GCC cross-border commerce agents
Not For
- • Global payment processing outside MENA (use Stripe or Adyen for global markets)
- • Cash-based GCC payments (Telr is electronic payment only)
- • Mobile money payments (Telr is card and bank transfer focused)
Interface
Authentication
Telr uses Store ID and Authentication Key for API authentication. REST API with JSON/XML. Dubai, UAE HQ. Founded 2014 by Col Peel and Norman Warden. CBUAE-licensed. Products: Card processing, Apple Pay, KNET, MADA, Fawry, installments, crypto, recurring billing. SDKs: PHP, Python, Node.js, Java, .NET, Ruby. PCI DSS Level 1. Serves 4,500+ MENA merchants. Competes with Moyasar, PayTabs, and HyperPay for GCC payments.
Pricing
Dubai AE. CBUAE-licensed. Per-transaction fees in AED/USD. Merchant agreement required.
Agent Metadata
Known Gotchas
- ⚠ STORE ID AND AUTH KEY COMBINATION: Telr authentication requires both Store ID and Auth Key for every API request; automated request must include both values; automated request with only API key without Store ID creates authentication failure
- ⚠ XML AND JSON DUAL FORMAT SUPPORT: Telr supports both XML and JSON API formats; automated integration must consistently use one format; automated mixed XML/JSON requests creates content-type parsing error
- ⚠ HOSTED PAYMENT PAGE URL EXPIRY: Telr hosted payment page URL expires after configured time (default 30 minutes); automated checkout link distribution via email/SMS must account for URL expiry; automated long-duration campaign using same checkout URL creates expired link for late customers
- ⚠ CURRENCY AMOUNT PRECISION: Telr amounts require minor unit precision (e.g., 100 AED = 10000 fils); automated payment must format amount in minor units per currency; automated decimal amount creates amount mismatch for currencies with 2 decimal places
- ⚠ REMOTE ORDER REFERENCE UNIQUENESS: Telr requires unique ivp_ref (remote order reference) per transaction; automated retry must generate new ivp_ref; automated same reference retry creates duplicate reference conflict or payment status confusion
Alternatives
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Scores are editorial opinions as of 2026-03-07.