1 Visa Package
1 residence visa · 1-year licence
AED 12,100
- Trade licence & registration
- Establishment card included
- 1 visa eligibility
- Flexi-desk / office options
- GoldenKey PRO support
MAINLAND · SHARJAH
Fintech & Payments on Sharjah Mainland
Payment technology, lending platforms, wealth-tech and financial software
5–7 daysSetup time100%OwnershipUp to 3 visasVisas
- 5–7 daysSetup time
- MainlandLicence type
- Flexi | PhysicalOffice / facility
- Up to 3 visasVisa eligibility
- StandardApprovals needed
- From AED 9,350Renewal cost
About Sharjah
Why Sharjah
Mainland company formation in Sharjah is the right choice when your customers are inside the UAE, when you need a shop, clinic or contracting classification, or when visa quota matters. Sharjah is industrial heartland of the UAE — manufacturing, trading and logistics at lower cost, and GoldenKey registers mainland companies there with the economic department week in, week out. In practice, fintech & Payments in Sharjah means payment technology, lending platforms, wealth-tech and financial software, and it is licensed as a professional activity. Typical examples of this activity include payment gateway tech, BNPL platform, wealth-tech app and regtech, which can generally sit together on one Sharjah licence.
Among the strengths of a Sharjah mainland licence are Lowest-cost mainland licence among the big three emirates and Industrial zones with affordable warehouses, and for that reason local service businesses gravitate here. A Sharjah mainland company can apply for an unlimited visa quota in proportion to its office space, which free zone packages cannot match. GoldenKey has licensed fintech & payments in Sharjah for clients ranging from solo company owners to groups opening a regional branch, so we know which sub-activities to list.
Packages & cost
Pricing — choose the right package for your business
The figures below for fintech & payments on Sharjah mainland are updated by GoldenKey whenever the authority changes its fees, so the price you see is the current one. In our experience, use the table below to compare packages for fintech & payments on Sharjah mainland; we will confirm the exact total for your case in a written quotation.
2 Visa Package
2 residence visas · 1-year licence
AED 17,050
- Trade licence & registration
- Establishment card included
- 2 visa eligibilities
- Flexi-desk / office options
- GoldenKey PRO support
3 Visa Package
3 residence visas · 1-year licence
AED 21,450
- Trade licence & registration
- Establishment card included
- 3 visa eligibilities
- Flexi-desk / office options
- GoldenKey PRO support
Additional visaAED 3,080
Annual renewalAED 9,350
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 business activities in Sharjah
Sharjah 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
For fintech & payments on Sharjah mainland the authority asks for the following 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
- Product description
- Passport photographs on a white background
- An attested degree for professional activities such as engineering or healthcare
- External approvals where the activity requires them, for example from the health authority, RERA or the municipality
- A tenancy contract for an office or shop registered with the emirate's system (Ejari in Dubai)
- The existing visa copy and NOC if a shareholder is on another UAE visaif 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 Sharjah works with GoldenKey
- 1
Activity and legal form
On the ground, we pick the precise activity codes from the Sharjah Economic Development Department (SEDD) list and settle on the legal form — normally a LLC, or a sole establishment for individual professionals.
- 2
Trade name and initial approval
GoldenKey reserves your trade name and obtains initial approval from the Sharjah Economic Development Department (SEDD), including any external approvals your activity needs. For fintech & payments on Sharjah mainland, GoldenKey completes this stage with you on WhatsApp or by email.
- 3
Office, MOA and submission
After the MOA is signed and the office tenancy registered, GoldenKey lodges the full file with the Sharjah Economic Development Department (SEDD).
- 4
Licence, Chamber and immigration
The Sharjah mainland licence is released, Chamber membership activated, and we open the establishment and labour files so visa processing can start. This is also the point at which we answer any question specific to fintech & payments on Sharjah mainland.
Frequently asked questions
Frequently asked questions
Straight answers about Sharjah. Anything else — ask GK AI or message us.
View all FAQsHow much office space do I need for a Sharjah mainland licence?
The Sharjah Economic Development Department (SEDD) requires a registered tenancy for most licences. A small office or a desk in a business centre is enough for a few visas, and the visa quota increases with the floor area.
Do I still need an Emirati partner for a Sharjah mainland company?
For most commercial and industrial activities, no. Since 2021 foreign nationals can own 100% of a Sharjah mainland LLC. A short list of strategic activities still requires Emirati participation, and GoldenKey checks your activity before you commit.
Are Sharjah mainland companies subject to corporate tax?
It can. Mainland companies pay 9% corporate tax on profits above AED 375,000 and must register with the FTA, which GoldenKey handles as part of your setup.
Is fintech & payments allowed in Sharjah?
For most clients, fintech & Payments is not a natural fit for {ent} because building financial software is a technology licence. GoldenKey will recommend the jurisdiction where it is licensed without restrictions and explain why.
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 Sharjah?
Crucially, 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 on Sharjah mainland.
Good to know
More about Sharjah
Why the UAE
The dirham has been pegged to the US dollar since 1997, which removes currency risk for fintech & payments on Sharjah mainland and makes international pricing simple. Since 2021, most mainland activities have allowed 100% foreign ownership, and free zones have always offered it, so fintech & payments on Sharjah mainland no longer requires a local partner.
Why GoldenKey
Our office is a short drive from the Ajman Free Zone, Ajman DED and the immigration centre, so physical submissions for fintech & payments on Sharjah mainland happen the same day they are ready. Our quotations for fintech & payments on Sharjah mainland list every government fee and our service fee on one page, in writing, before you pay anything. Put simply, every Sharjah package we quote already includes the licence, registration, the establishment card where applicable and our full assistance, with no hidden add-ons at the end.
