Cash used to be king across much of the Middle East and North Africa. But over the last decade, digital payments have taken the lead — and the shift is accelerating fast. In countries like the UAE, Saudi Arabia, Egypt, and even parts of North Africa, the move towards online and mobile payment systems is reshaping how people shop, pay bills, and even play games online.
What’s driving the change
One major reason is mobile penetration. The MENA region now has over 380 million internet users, and mobile phone usage continues to grow rapidly. In countries like the UAE and Saudi Arabia, smartphone penetration is above 90%. That makes mobile-first financial tools a natural fit for the population.
Another factor is government push. Saudi Arabia’s Vision 2030, for example, has a stated goal to increase the share of non-cash transactions to 70% by 2030. Egypt has launched a National Payments Council, and the UAE continues to invest in becoming a cashless economy.
On top of that, the COVID-19 pandemic played a key role in speeding up adoption. Contactless payments became not only convenient, but essential. In the UAE alone, contactless payment usage increased by over 60% in 2020 according to Visa.
New players and payment methods
Digital wallets like STC Pay, Vodafone Cash, and Fawry are now part of everyday life for millions in the region. At the same time, international services such as Apple Pay, Google Pay, and PayPal are gaining ground.
But it’s not just about big names. Local fintech startups are rising fast. In 2022, MENA-based fintech companies attracted over $2.5 billion in investment, with many focusing on secure, compliant payment solutions tailored to local needs.
Cryptocurrency is also on the radar. While regulations vary across the region, interest remains strong, especially among younger users. Platforms that accept crypto — for example, in gaming or e-commerce — are gaining popularity in countries with restrictive banking policies.
Privacy and user habits
Privacy is a major concern for many users, especially in countries where online behavior is monitored or where gambling is restricted. This is where discreet and secure digital payment systems matter.
For instance, Arab casinos — websites catering specifically to Arabic-speaking users — have adapted to this by integrating anonymous payment gateways, such as crypto or e-wallets that don’t require banking ties. These platforms know that trust and discretion are key to attracting and retaining users in sensitive regions.
Similarly, online casinos in Bahrain have had to adjust to a complex legal and cultural context. Since gambling is restricted, platforms focus on privacy, mobile-first access, and international payment methods that bypass local limitations.
What users are looking for
Users in MENA increasingly value:
- Platforms with Arabic language support
- Localized interfaces with region-specific features
- Fast, private, and mobile-friendly payment tools
- Customer support that understands local concerns
- Flexible payout options, including crypto and prepaid cards
These factors are shaping not just entertainment and gaming platforms, but also e-commerce, subscription services, and social platforms.
The future of payments in MENA
The digital payments boom is far from over. According to a 2023 report from McKinsey, digital payment volumes in the region are expected to grow by 10–13% annually through 2026. Gulf countries will likely lead the trend, but North Africa and Levant regions are catching up fast as internet access expands.
Regulators, meanwhile, are working to catch up. Countries like Bahrain and the UAE have introduced fintech sandboxes to allow innovation while maintaining oversight. Others are reviewing crypto regulations and cross-border e-payment policies.
Digital payments in the MENA region are no longer just a convenience — they’re becoming the default. Whether it’s paying for groceries, sending money to family, or topping up a game account, users want tools that are fast, safe, and tailored to their lifestyle. The platforms that adapt — including those in the online entertainment space — will be the ones that thrive.
