Botim and Mastercard Launch One Credential for Flexible Digital Payments in UAE

Botim,  the UAE’s leading fintech platform, has collaborated with Mastercard  to launch the Mastercard One Credential, giving eligible Botim cardholders greater flexibility and control over how they access and manage payments through a single card solution. This launch also marks the first rollout of the solution in the UAE and across Eastern Europe, the Middle East, and Africa (EEMEA), strengthening the companies’ committment to product innovation.

Mastercard One Credential links one payment product to multiple funding sources through a seamless digital interface. Eligible users can switch between prepaid balances and credit funding, giving them more ways to pay without needing a separate card.

The launch responds to consumer demand for flexible payments. According to Mastercard’s global consumer research, 83% of UAE consumers surveyed said they would use card installments through One Credential. The research also highlighted the appeal of bringing multiple payment options together in one capability, giving consumers greater convenience, and control over everyday spending.

For first-time credit users, the solution offers a simpler entry point by embedding credit access into an existing card experience. Botim cardholders can also access funds across multiple currencies and convert any purchase into simple, flexible installments, increasing purchasing power while providing clearer visibility over card transactions and financial management.

“At Botim, we believe financial services should improve how people access and manage everyday financial lives. Our work with Mastercard reflects a shared commitment to fostering greater choice, transparency, and confidence in digital payments. By bringing this capability to Botim cardholders, we are providing a more practical and trusted way to pay, while continuing to build a platform that can support long-term financial participation and create sustainable value.”

– H.E. Dr. Tariq BinHendi, Board Member, Astra Tech and CEO, Botim

“Consumers increasingly expect payment experiences that are secure, simple, and embedded in their everyday digital lives. By combining Mastercard’s One Credential technology with Botim’s digital platform, we are simplifying how cardholders access and manage different payment methods through one scalable solution. Equally important, One Credential also demonstrates how solutions can be implemented quickly and efficiently in markets, supporting our partners’ efforts in launching new solutions.”

– Gina Petersen-Skyrme, senior vice president and country manager, UAE and Oman, Mastercard

This new prepaid and installment proposition marks the first milestone in the collaboration’s broader roadmap. It lays out the groundwork for future Botim card propositions and additional payment use cases designed to broaden the ways customers can pay.