Pay10 review
A free UAE wallet for QR purchases, bills, contacts and eligible transfers.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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.
Pay10 pros and cons
- 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
Pay10 fact sheet, pricing and score →
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