Telr

Telr is a payment gateway and financial technology provider serving the Middle East, North Africa, and South Asia (MENASA) region. The company was established by fintech veterans Khalil Alami and Elias Ghanem, with a vision to empower businesses in emerging markets through secure, scalable, and locally adapted digital payment solutions.. Telr’s core industry is online payments and e-commerce enablement, offering a robust platform that allows merchants to accept payments across web, mobile, social media, and in-store channels, supporting over 120 currencies and 30 languages.

Core Products and Services

• Payment Gateway: Multi-currency, multi-language platform supporting 120+ currencies and 30 languages; enables online, mobile, and in-store payments with real-time dashboards and settlement.

• Telr Secure: Advanced anti-fraud and real-time monitoring tools, PCI DSS Level 1 and NESA-certified for maximum transaction security.

• Telr Social: Enables merchants to sell via social media, messaging apps, and QR codes with instant payment links.

• Buy Now Pay Later (BNPL): Interest-free installment payments for end-customers, integrated via Tabby partnership.

• Telr Finance: Merchant financing platform offering fast-track business loans and working capital to SMEs.

• Digital Invoicing & Recurring Billing: E-invoicing, subscription management, and automated payment collection.

• Marketplace & Split Payments: Custom solutions for e-commerce marketplaces, including vendor payout automation.

• Integration & Developer Tools: APIs and plugins for seamless integration with shopping carts, websites, and mobile apps.

Business Model & Revenue Streams

• Transaction Fees: Core revenue from per-transaction charges (e.g., 2.49–3% + fixed fee per transaction, depending on plan and geography).

• Monthly Subscription Fees: Tiered pricing for SMEs and enterprises, starting at AED 99/month for medium plans and SAR 99/month for startups in Saudi Arabia.

• Value-Added Services: Fees from BNPL, merchant financing (Telr Finance), digital invoicing, and recurring payment solutions.

• White-Label & Custom Integrations: Licensing and custom solution fees for large clients and partners.

• Geographic Revenue Mix: Majority of revenue from UAE and Saudi Arabia, with growing presence in Jordan, Bahrain, India, and Southeast Asia.

• Customer Segmentation: Primarily B2B, serving startups, SMEs, and large enterprises across retail, e-commerce, travel, and professional services. Over 30,000 merchants onboarded in UAE and KSA alone

Top Clients & Partnerships

1. Top Clients:

• Leading e-commerce, retail, and service merchants across UAE, Saudi Arabia, and wider MENASA region; includes both SMEs and large enterprises (specific client names are typically confidential).

2. Key Partnerships

• Mastercard: Strategic partnership for Click to Pay digital checkout, enhancing user experience and conversion rates.

• Tabby: Integrated BNPL solution for flexible consumer payments.

• Saudi Awwal Bank & Bank AlJazira: Banking partnerships to expand digital payment services and support Saudi Vision 2030.

• urpay: Digital wallet integration for Saudi merchants.

• Apaya: Collaboration to automate payouts and scale social commerce.

Future Outlook & Strategic Priorities

• Expansion into new MENA markets (Jordan, Bahrain) and deepening presence in Saudi Arabia and UAE, enabled by new regulatory licenses and banking partnerships.

• Product innovation—rollout of advanced payment solutions (e.g., Click to Pay, BNPL, merchant financing) and enhanced anti-fraud capabilities (reflecting recent market trends).

• Strengthening ecosystem partnerships with banks, fintechs, and technology providers to drive adoption among SMEs and large enterprises.