Pay10
Pay10: A free UAE wallet for QR purchases, bills, contacts and eligible transfers. Ranked #66 of 89 in Mobile Payment Apps by our editors (3.0/10); pricing: Free plan; best for UAE users seeking QR payments, bills, and transfers.
At a glance
- Editor score3.0 / 10
- PricingFree plan
- Best forUAE users seeking QR payments, bills, and transfers
- Free planYes
- Paid fromFree
- In-store paymentsYes
- Facts checked25 Oct 2026
Where it wins
- Free app with contact transfers, QR payments and bill pay
- Bank linking supports wallet top-ups and withdrawals
- PIN or biometric approval plus scheduled bill payments
Where it doesn't
- Requires UAE residency, Emirates ID and a UAE mobile number
- QR payments work only with participating merchants
- Some transactions and card services may incur charges
Our verdict on Pay10
Pay10 is a mobile digital wallet from Pay Ten Payment Services Provider LLC for UAE residents who want everyday payment and transfer tools in one app. On iOS and Android, users can send and receive money from Pay10 contacts, scan QR codes at participating merchants, pay utility, telecom and transport bills, and manage a linked Pay10 Jaywan card. Opening an account is free, with identity verification requiring a valid Emirates ID and UAE mobile number.
The app uses a free-to-download, free-account model rather than recurring subscription tiers. The published pricing information indicates that some transactions and card services may carry charges, so costs depend on the service used. Linking a bank account adds wallet top-ups and withdrawals, while scheduled bill payments can help organize recurring obligations. Pay10 also includes Send Abroad for eligible international transfers; access depends on eligibility and applicable availability.
For security, Pay10 supports PIN or biometric authentication, and the service lists two-factor authentication among its compliance features. Customer support is available by phone and email, with 24/7 support listed. The strongest fit is a UAE consumer who wants local QR payments, bill settlement, contact transfers and bank-funded wallet activity in a single mobile app. Users who need payments beyond participating merchants, do not meet UAE identity requirements, or require universally available international transfers should consider a different service.
Your product? Our editors can test Pay10 in depth and publish a review, labelled as paid · from $149/mo →
Pay10 pricing
Pay10 fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Free |
| In-store payments | Yes |
| Peer transfers | Yes |
| Bill payment | Yes |
| QR payments | Yes |
| International transfers | Yes |
| Mobile platforms | Both |
| Deployment | Mobile |
| Platforms | iOS, Android |
| Compliance & security | GDPR, 2FA |
| Support | Phone, Email · 24/7 |
| Built for | Solo (editorial estimate) |
| Pricing | Free plan (source) |
| Website | pay10.ae |
| Facts checked | 25 Oct 2026 |
Alternatives to Pay10
- PhonePeA free iOS and Android app for everyday UPI transfers, QR payments and bills.9.4
- Apple PayA no-cost payment service for Apple devices, with checkout availability depending on merchant and region.9.2
- Weixin PayA free mobile wallet for QR, merchant and supported cross-border payments.9.1
Used Pay10? Be the first to review it
The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used Pay10 for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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