License With – 0 Visa
Licence only · upgrade to visas anytime
AED 12,900
- Trade licence & registration
- Upgrade to visas anytime
- Company name reservation
- Flexi-desk / office options
- GoldenKey PRO support
FREE ZONE · DUBAI
Fintech & Payments in IFZA Free Zone
Payment technology, lending platforms, wealth-tech and financial software
5–7 daysSetup time100%OwnershipUp to 4 visasVisas
- 5–7 daysSetup time
- Free ZoneLicence type
- Flexi | PhysicalOffice / facility
- Up to 4 visasVisa eligibility
- StandardApprovals needed
- From AED 12,900Renewal cost
About IFZA
Why IFZA Free Zone
IFZA Free Zone issues commercial, professional and industrial licences from its base in Dubai, and GoldenKey processes new registrations there every week. If you are weighing up where to register in the UAE, IFZA Free Zone deserves a close look for its Dubai address and straightforward renewal process. GoldenKey has licensed fintech company businesses for clients in IFZA Free Zone and knows which sub-activities to list so you are not asked to amend the licence later. In our experience, typical examples of this activity include payment gateway tech, BNPL platform, wealth-tech app and regtech, which can in most cases sit together on one IFZA Free Zone licence.
Crucially, one of the reasons we recommend IFZA Free Zone is its Dubai address, which matters more than most founders realise once the business is running. Put simply, popular activities in IFZA Free Zone include trading, services, technology, consultancy and manufacturing, and most of them can be combined on a single licence. Crucially, for fintech & payments, IFZA Free Zone offers the office options such a business actually needs and a visa quota that can grow with the team.
Packages & cost
Pricing — choose the right package for your business
In our experience, the figures below for fintech & payments in IFZA Free Zone are updated by GoldenKey whenever the authority changes its fees, so the price you see is the current one. Use the table below to compare packages for fintech & payments in IFZA Free Zone; we will confirm the exact total for your case in a written quotation.
License With – 1 Visa
1 residence visa · 1-year licence
AED 14,900
- Trade licence & registration
- Establishment card included
- 1 visa eligibility
- Flexi-desk / office options
- GoldenKey PRO support
License With – 2 Visa
2 residence visas · 1-year licence
AED 16,900
- Trade licence & registration
- Establishment card included
- 2 visa eligibilities
- Flexi-desk / office options
- GoldenKey PRO support
License With – 3 Visa
3 residence visas · 1-year licence
AED 18,900
- Trade licence & registration
- Establishment card included
- 3 visa eligibilities
- Flexi-desk / office options
- GoldenKey PRO support
License With – 4 Visa
4 residence visas · 1-year licence
AED 20,900
- Trade licence & registration
- Establishment card included
- 4 visa eligibilities
- Flexi-desk / office options
- GoldenKey PRO support
Prices are indicative, in AED, exclusive of 5% VAT where applicable, and confirmed in writing before payment. Last updated 2026-10-28.
Business activities
Explore business activities in IFZA
IFZA licenses trading, service, professional and industrial activities. Search every activity we license across the UAE and see where it is available and what it costs.
Required documents
Documents required
In our experience, for fintech & payments in IFZA Free Zone the authority asks for the following supporting documents, and we tell you exactly how each must be formatted.
Scanned colour copies are enough to start. We check every item before anything is submitted.
For individuals
- A clear passport copy for each shareholder and manager, valid for at least six months
- Your current residence visa and Emirates ID copy if you are a UAE residentif applicable
- A short business plan or activity description for certain professional activitiesif applicable
- The UAE entry stamp or visa page if you are already in the countryif applicable
- A no-objection certificate from your employer if you hold a UAE employment visaif applicable
- Proof of address such as a utility bill or bank statement, requested by some zonesif applicable
For companies
- Certificate of incorporation (attested)
- Memorandum & articles of association
- Board resolution approving the UAE company
- Passport copies of shareholders & directors
- Company profile / business plan
Our process
How IFZA Free Zone works with GoldenKey
- 1
Consultation and activity selection
We confirm that your activity is available in IFZA Free Zone, choose the licence type and agree the visa package and office option that match your plan.
- 2
Name reservation and initial approval
We submit your preferred trade names to IFZA Free Zone and secure initial approval, normally within a day or two of submission. This is also the point at which we answer any question specific to fintech & payments in IFZA Free Zone.
- 3
Document submission and payment
On the ground, you sign the application forms and memorandum, we submit the attested papers and the licence fee is paid to the authority.
- 4
Licence issued and next steps
In practice, once the IFZA Free Zone licence and company documents are released, we move immediately to the immigration file, residence visas and the bank meeting. Your portal shows the status of this step for fintech & payments in IFZA Free Zone in real time.
Frequently asked questions
Frequently asked questions
Straight answers about IFZA. Anything else — ask GK AI or message us.
View all FAQsHow long does the IFZA Free Zone licence take?
Once your paperwork are complete, the licensing authority typically issues the licence within 5 working days. Visas and bank account opening follow afterwards.
Is an audit required for a IFZA Free Zone company?
Requirements vary by zone and by company size. GoldenKey will confirm the current IFZA Free Zone rule when we prepare your quotation, and we provide bookkeeping if you need accounts in any case for corporate tax.
Can I add more activities to my IFZA Free Zone licence later?
Yes — IFZA Free Zone allows activity additions and changes through a licence amendment, which GoldenKey can process in a few business days for a small authority fee.
Which licence type covers fintech & payments?
Just as important, fintech & Payments is classified as a professional activity, and GoldenKey selects the exact activity code so your licence matches what you actually do.
What approvals does fintech & payments need?
CBUAE, DFSA (DIFC) or FSRA (ADGM) for regulated activity. GoldenKey obtains these as part of the setup.
Get a free quote
Ready to start your business in IFZA?
Prefer to visit? Our Ajman office welcomes walk-ins during working hours, and we can also meet you in Dubai or Sharjah by appointment to discuss fintech & payments in IFZA Free Zone.
Good to know
More about IFZA
Why the UAE
Since 2021, most mainland activities have allowed 100% foreign ownership, and free zones have always offered it, so fintech & payments in IFZA Free Zone no longer requires a local partner. The dirham has been pegged to the US dollar since 1997, which removes currency risk for fintech & payments in IFZA Free Zone and makes international pricing simple.
Why GoldenKey
Day to day, we speak the languages our clients speak, including English, Arabic, Hindi, Urdu and Malayalam, and we can arrange Russian, French and Mandarin support for fintech & payments in IFZA Free Zone. GoldenKey's consultants have handled fintech & payments in IFZA Free Zone for traders, consultants, tech founders and family offices, which gives us a realistic view of what each authority approves quickly. In short, most of our IFZA Free Zone customers come to us through referrals from other company owners, which is why we take pride in keeping every promise we put in writing.
