UAE & Gulf
UAE and Gulf payouts and reconciliation. Every payment proven.
Agentic payments with 100% reconciliation for exchange houses and fintechs in the UAE and Gulf: UAEFTS, Aani, WPS payroll and instant rails, fully proven.
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Book a demoWhat Flominzo does for payment businesses in the UAE and Gulf
Flominzo gives payment businesses in the UAE and the wider Gulf agentic payments with 100% reconciliation. Your team, or an AI agent working inside the mandates and limits you set, turns a request into a controlled payment instruction. Flominzo then reconciles every payment against the provider’s response, the settlement report, and your bank statement.
100% reconciliation means every payment ends either matched against independent evidence - the provider’s records, the settlement file and the bank statement - or as an open exception with an owner and a reason. None is silently assumed paid.
It is built for exchange houses, remittance fintechs, payroll providers, and finance teams moving money for other people. Flominzo is connected through rail adapters to the providers you use; rails, markets and activation are agreed for your deployment.
Gulf payment rails and what reconciling them involves
Outbound remittance, payroll, and domestic payments run on different rails with different evidence. A payment is finished when the evidence agrees, not when a rail or a partner accepts it.
| Rail | What it is | What reconciliation has to prove |
|---|---|---|
| UAEFTS | The Central Bank of the UAE’s funds transfer system for AED payments between banks. | Match each transfer message to the statement line, and tie any return to the original payment. |
| Aani | The UAE’s instant payments platform, run by Al Etihad Payments, a subsidiary of the Central Bank. | Instant confirmations must agree with your records and the bank’s reporting, including payments received on your behalf. |
| WPS | The Wage Protection System, through which salaries are paid via approved banks and exchange houses using salary information files. | A payroll file is many payments. Each salary line needs its own outcome, and rejected lines must be followed up rather than lost inside the batch. |
| SARIE and sarie | Saudi Arabia’s interbank settlement system and its instant payment service, run by Saudi Payments under SAMA. | As with other instant rails, match each confirmation to an instruction and a statement line. |
| Fawri+ | Bahrain’s instant transfer service, run by BENEFIT. | Instant confirmations reconciled against your records and bank reporting. |
Typical flows in the UAE and Gulf
- Outbound remittance: AED and SAR collections paid out in corridors such as India, Pakistan, and the Philippines, where the partner’s payout, its settlement, and your prefunding balance must all agree.
- Payroll: WPS salary runs where each employee’s payment is proven, not just the file.
- Domestic and business payments: supplier payments and instant transfers over UAEFTS and Aani.
- Partner settlement: prefunded or postpaid positions with payout partners, reconciled to the payments they cover.
Flominzo keeps the original instruction separate from every execution attempt. A partner timeout is an unknown outcome to resolve by status lookup, never a reason to pay twice.
Regulation and your licence
In the UAE, the Central Bank licenses and supervises exchange houses and payment service providers. In Saudi Arabia, the Saudi Central Bank (SAMA) oversees payment service providers, and each Gulf market has its own central bank rules.
Flominzo keeps the evidence and decision history that supervision and audit rely on: what was instructed, what each partner and bank reported, what settled, and who decided each exception.
Flominzo is software. It works through your licensed providers and banks, and your licensing, AML, and reporting obligations stay with you. Nothing on this page is legal or regulatory advice.
Bank statements and files
Flominzo’s statement parsers today read ISO 20022 camt.053 and camt.052, SWIFT MT940, and configured CSV layouts. Ask your bank which of these it can deliver for your accounts. Other bank-specific formats, WPS response files, and partner settlement reports are assessed during scoping and mapped as evidence sources for your deployment.
How remittance reconciliation worksWhere to start
Start with one flow: for example, AED to INR bank payouts through one partner, or one day of partner payouts against your prefunding balance. Flominzo reads your existing transaction records and the evidence around them, and runs in parallel with your current process. Your systems keep their jobs while it runs.
- Map: agree identifiers, amounts, currencies, business dates, and which system owns each record.
- Run alongside: reconcile the same period your team already closed, and compare the results.
- Explain: every difference becomes an exception with its evidence, so you can see what the current process missed or resolved by hand.
- Decide: expand to more rails, corridors, or execution only when the agreed checks are met.
Products for payment businesses in the UAE and Gulf
Questions
Can Flominzo reconcile our prefunding with payout partners?
Yes. Each partner’s payouts, its settlement reports, and your prefunded balance are compared, and any difference becomes an exception with its evidence.
Does Flominzo replace our core system or our partners?
No. Flominzo connects to the systems and partners you already use, reads their records, and reconciles them.
Do AI agents move money?
No. Agents investigate and explain. Execution runs through deterministic controls, and the mandates, limits, and approvals you set govern every payment.
Let’s make it specific to you.
Bring your systems, payment flows, and questions. We’ll help define the next step.
Talk to the team