Binding
Fee caps are regulatory
A breach of this pricing model is treated as a breach of the CBUAE Open Finance Regulations and is subject to CBUAE supervision, investigation, and enforcement.
AlTareq · Commercial and Pricing Model
Pricing
Pricing in UAE Open Finance is built on three clear streams: API Hub fees from Nebras for use of the platform, payment fees from the LFI that executes each transaction, and data‑sharing fees from the LFI once a customer’s usage passes a generous free threshold. This page walks through how each one is calculated.
In scope The three fee streams a TPP will encounter when operating in the ecosystem — Nebras API Hub fees, LFI payment fees, and LFI data‑sharing fees above the free threshold.
Not covered here End‑user pricing (what a TPP may charge its own customers), LFI‑to‑TPP commissions on referred business, and any CBUAE license fees. These are governed elsewhere in the AlTareq Standards.
The three fees
How the fee structure works
Fees only apply to technically successful API calls. The three streams stack: a single consumer payment through Open Banking will typically attract a Nebras API fee and a payment fee to the LFI executing it.
API Hub fees
A per-call fee paid by the TPP to Nebras for every chargeable API served through the API Hub.
Headline rate2.5 fils / call — most APIs
See the detail↓
Payment fees
Paid by the TPP to the LFI that executes a payment, capped by segment and payment context.
Headline ratefrom 25 fils / txn — Transfer (P2P)
See the detail↓
Data sharing above threshold
Free up to a per-customer daily threshold. Above that, the LFI charges the TPP for continued retrieval.
Headline rate0 → LFI‑set — above 15 pages/day
See the detail↓
Fee 01 · TPP → Nebras
API Hub fees
Nebras charges TPPs a flat per‑call fee for chargeable APIs served through the API Hub. Only endpoints that pull data from an LFI or instruct a payment are chargeable. Everything else — raising or checking a consent, authentication, discovery, and reference‑data lookups — is free.
ChargeabilityRate per successful call
Chargeable2.5 fils
Not chargeableFree
Payment‑paired discountBalance and Confirmation of Payee calls are billed at 0.5 fils instead of 2.5 fils when made within 2 hours of a payment. One payment discounts only one Balance call and one CoP call.
Fee 02 · TPP → LFI
Payment fees
When a TPP initiates a successful payment through the API Hub, the LFI that executes the payment charges the TPP a fee. Rates are capped by the AlTareq model and vary by customer segment (Retail/SME vs Corporate) and payment context. Nebras calculates and collects these fees on behalf of LFIs.
Retail & SMECaps are binding
Payment contextCap paid by TPP to LFI
Merchant CollectionsDebit‑card‑equivalent, initiated by the merchant via the TPP.
38 bps in Year 1, stepping down to 25 bps by Year 5 Y1 38 bpsY2 35 bpsY3 32 bpsY4 29 bpsY5 25 bps Also capped at 50 AED per transaction; first 200 AED collected per merchant per day is exempt.
Transfer (P2P) & SME‑to‑SMEOutbound payment from the customer’s own account.
25 fils per transaction
Me‑to‑MeOutbound payment from a customer’s own account to another of their own.
20 fils in Year 1, stepping down to 17 fils by Year 3 Y1 20 filsY2 18 filsY3 17 fils
Bulk Payment — SME onlyOutbound bulk payment initiated by the business.
25 fils per transaction, and 250 fils per batch No limit on the number of transactions in a batch.
Large Value / Rent / Invoice CollectionCollected via an embedded payment link in a smart invoice or equivalent.
4 AED per transaction E.g. rent payments; retail/SME invoices above AED 5,000.
CorporateTurnover > 100m AED / year
Payment contextCap paid by TPP to LFI
Merchant CollectionsInitiated by a corporate merchant via the TPP.
38 bps in Year 1, stepping down to 25 bps by Year 5 Y1 38 bpsY2 35 bpsY3 32 bpsY4 29 bpsY5 25 bps Also capped at 50 AED per transaction.
Corporate PaymentsOutbound payment from the corporate’s own account. Includes bulk payments.
250 fils per individual transaction
Large Value / Rent / Invoice CollectionCollected via an embedded payment link in a smart invoice or equivalent.
4 AED per transaction E.g. rent payments; corporate invoices above AED 5,000.
These caps apply whether the payment settles through Aani Core or an alternative payment rail. LFIs MUST NOT impose additional charges on end users for payments initiated through Open Finance APIs.
Fee 03 · TPP → LFI
Data‑sharing fees above threshold
Data sharing is free up to a per‑customer, per‑day threshold. Above that threshold, the LFI charges the TPP for continued transactional‑data retrieval. Thresholds and caps differ between Retail/SME and Corporate.
How a “page” is defined
A page is 100 lines of transactional data, with a maximum age span of 13 months per call. If a single API call returns more than 100 lines, it is treated as multiple pages and charged accordingly.
Retail & SMEFree threshold, then LFI‑set
Data‑sharing contextThreshold & rate
Attended transactional dataTriggered by an active user of the TPP’s service.
Free up to 15 pages per customer, per day Above 15 pages/customer/day — priced by the LFI.
Unattended transactional dataInitiated without an active user — e.g. background refresh.
Free up to 5 pages per customer, per day Above 5 pages/customer/day — priced by the LFI.
All other Data APIs Confirmation of Payee, Balance, Payment Status, Product Data, Customer Records.
Zero — always free to the TPP
CorporateCapped per page
Data‑sharing contextRate
All Data APIsAny transactional‑data retrieval for a corporate customer.
Capped at 40 fils per page
Confirmation of PayeePayee verification prior to a payment.
Zero
Above the free threshold each LFI sets its own per‑call rate. See per‑LFI overage rates →
Fee calculator
Try a scenario
Pick a starting point, then tinker with the inputs to model your own flow. Calculations follow the caps and stepped rates published in the AlTareq Commercial and Pricing Model — this is a guide, not a quote.
Start from a scenario
Inputs
Estimate
Monthly costAED 13,750.00~ AED 165,000.00 per year
Nebras API feesAED 1,250.00
LFI payment fees AED 12,500.00
- Each payment is one chargeable Nebras call at 2.5 fils.
- Per-transaction LFI fee: 25 fils.
Authority
Where this model comes from
The fees on this page come from the AlTareq Commercial and Pricing Model, which forms part of the UAE Open Finance Regulations. It is regulated by CBUAE and reviewed annually in conjunction with Nebras Open Finance and ecosystem participants.
Success‑only
Fees follow successful calls
All fees above are charged only for technically successful API calls. Failed calls do not attract either API Hub fees or LFI fees.
VAT
All figures are VAT‑inclusive
All fees between TPPs and LFIs are stated inclusive of VAT. The receiving party is responsible for its own invoicing and VAT treatment — Nebras and CBUAE do not handle this.