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FREE ZONE · DUBAI

Fintech & Payments in JAFZA

Payment technology, lending platforms, wealth-tech and financial software

5–7 daysSetup time100%Ownership2 (workstation) · 1 per 9 sqm officeVisas
  • 5–7 daysSetup time
  • Trading · Service · Industrial · GT · HoldingLicence type
  • Workstation · Office · Warehouse · PlotOffice / facility
  • 2 (workstation) · 1 per 9 sqm officeVisa eligibility
  • Standard · NOC for regulated goodsApprovals needed
  • From AED 46,310Renewal cost
About JAFZA

Why JAFZA

If you are weighing up where to register in the UAE, JAFZA deserves a close look for its world's largest port-adjacent free zone and uncomplicated renewal process. JAFZA combines world's largest port-adjacent free zone with the flexibility to add activities and visas later, and that is why it suits both first-time founders and established groups. Typical examples of this activity include payment gateway tech, BNPL platform, wealth-tech app and regtech, which can usually sit together on one JAFZA licence. GoldenKey has licensed fintech company businesses for clients in JAFZA and knows which sub-activities to list so you are not asked to amend the licence later.

Jebel Ali Free Zone (JAFZA) is Dubai's flagship free zone, built around Jebel Ali Port and next to Al Maktoum International Airport. It is the natural home for trading, logistics, light industry and regional headquarters that move goods in and out of the UAE. Companies are formed as an FZE (one shareholder), an FZCO (two or more shareholders) or a Branch, with 100% foreign ownership. Facilities range from a 6 sqm workstation to offices from 27 sqm, warehouses from 313 sqm, showrooms and plots of land — the facility you lease decides your visa quota. GoldenKey handles the full JAFZA application for you: name, licence type, activity selection, facility choice, registration, Computer Immigration Card and visas.

Just as important, office options in JAFZA range from office suite, showroom, warehouse, factory, bulk liquid facility or open yard, so you only pay for the space your visa quota actually needs. As we tell every client, dP World logistics ecosystem integration. For fintech & payments, JAFZA 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

All prices for fintech & payments in JAFZA are indicative, shown in AED and confirmed in writing before any payment. Pricing for fintech & payments in JAFZA depends on the package you choose; every option below includes GoldenKey's service and the government fees stated.

Workstation – 2 Visa Quota (6 Sqm, Licence + Registration + Cic)

2 residence visas · 1-year licence

AED 56,210
  • Trade licence & registration
  • Establishment card included
  • 2 visa eligibilities
  • Flexi-desk / office options
  • GoldenKey PRO support
Get started

Warehouse 556 Sqm – 25 Visa Quota (licence + Registration + Cic)

25 residence visas · 1-year licence

AED 390,258
  • Trade licence & registration
  • Establishment card included
  • 25 visa eligibilities
  • Flexi-desk / office options
  • GoldenKey PRO support
Get started
Additional visaAED 4,950
Annual renewalAED 46,310
Bank account assistanceAED 1,650

Prices are indicative, in AED, exclusive of 5% VAT where applicable, and confirmed in writing before payment. Last updated 2026-10-27.

Business activities

Explore 1,429 business activities in JAFZA

JAFZA lets you combine related activities on one licence. Search by what your business does — in English or Arabic — and quote the GK code when you ask for a quotation.

Popular choices · 1,429 activities availableAll 1,429 JAFZA activities
Required documents

Documents required

To be clear, gather these paperwork and GoldenKey will take care of the rest of fintech & payments in JAFZA.

Scanned colour copies are enough to start. We check every item before anything is submitted.

For individuals

  • Passport copy of every shareholder, manager and directorValid for at least 6 months
  • Applicant details: full name, mobile number, e-mail address and nationalityJAFZA sends the application link to this e-mail
  • Proposed company name (3 options), formation type (FZE / FZCO / Branch), licence type(s), main industry and facility type & sizeGoldenKey prepares this with you
  • Passport copy and passport-size photograph for each employment visaMedical and Emirates ID done after entry permit
  • UAE residence visa and Emirates ID copyOnly if already a UAE residentif applicable
  • No Objection Certificate from the relevant ministry or authority for regulated goods or servicesPharma, agriculture, media, food and similar activitiesif applicable
  • Signed General Trading licence conditions acknowledgementOnly for a General Trading licenceif applicable

For companies

  • Parent company trade licence / certificate of incorporation, Memorandum & Articles and board resolutionAttested as required by JAFZA
Our process

How JAFZA works with GoldenKey

  1. 1

    Consultation and activity selection

    We confirm that your activity is available in JAFZA, choose the licence type and agree the visa package and office option that match your plan.

  2. 2

    Name reservation and initial approval

    GoldenKey reserves your trade name with the JAFZA authority and obtains initial approval, usually within one to two working days. This is also the point at which we answer any question specific to fintech & payments in JAFZA.

  3. 3

    Document submission and payment

    You sign the application forms and memorandum, we submit the attested documents and the licence fee is paid to the issuing authority.

  4. 4

    Licence issued and next steps

    Crucially, once the JAFZA licence and company documents are released, we move immediately to the immigration file, residence visas and the bank meeting. Nothing is submitted for fintech & payments in JAFZA until you have reviewed and approved it.

Frequently asked questions

Frequently asked questions

Straight answers about JAFZA. Anything else — ask GK AI or message us.

View all FAQs
Do I need to visit the UAE to set up in JAFZA?

In our experience, most JAFZA licences can be released remotely with scanned documents and a signed power of attorney. You will need to enter the UAE for the medical test and Emirates ID biometrics when your UAE residence visa is processed.

How long does the JAFZA licence take?

Crucially, once your documents are complete, the licensing authority typically issues the licence within 10 working days. Visas and bank account opening follow afterwards.

What is the difference between an FZE and an FZCO in JAFZA?

An FZE has one shareholder and an FZCO has two or more. Both offer limited liability and 100% foreign ownership, and the fees in JAFZA are usually the same.

Which licence type covers fintech & payments?

From day one, fintech & Payments is classified as a professional activity, and GoldenKey selects the exact activity code so your licence matches what you actually do.

Is fintech & payments allowed in JAFZA?

Yes. Fintech & Payments is an available activity in {ent}, and GoldenKey lists the exact sub-activities on your licence. CBUAE, DFSA (DIFC) or FSRA (ADGM) for regulated activity.

Get a free quote

Ready to start your business in JAFZA?

Crucially, book a call with GoldenKey and we will confirm your eligibility, your costs and your next steps for fintech & payments in JAFZA in a single conversation.

By submitting this form, you agree to be contacted by our team regarding your enquiry. Prefer chat? WhatsApp us.

Good to know

More about JAFZA

Why the UAE

There are no restrictions on repatriating profits or capital, so earnings from fintech & payments in JAFZA can be moved to your home country or reinvested freely. Importantly, residence visas for owners and families come with the company, which makes fintech & payments in JAFZA a route to relocation as well as a business decision.

Why GoldenKey

For most clients, after your JAFZA licence is issued, the same team handles renewals, visa additions, amendments and tax registrations, so you never have to explain your business twice. 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 JAFZA. As we tell every client, you deal with one named case manager from the first call until your JAFZA licence, visa and bank introduction are complete, and that consultant answers your WhatsApp messages personally.

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