🇦🇪UAE

رسوم معالجة بطاقات الائتمان غير المصرح بها (Unauthorized Credit Card Processing Fees)

3 verified sources

Definition

Petrol stations in UAE were permitted to charge AED 2 per credit card transaction from August 2012 to November 2015. The Supreme Committee for Consumer Protection abolished this fee in 2015, deeming it a violation of consumer protection standards. Any station continuing unauthorized charges after this date faces compliance penalties from the Ministry of Economy and potential customer litigation.

Key Findings

  • Financial Impact: AED 2 per transaction (historical); estimated AED 50,000–150,000 annually per station if illegally continuing post-2015; regulatory fines amount unspecified but enforced by Ministry of Economy
  • Frequency: Per credit card transaction (historical 2012–2015); ongoing risk if non-compliant post-2015
  • Root Cause: Lack of real-time compliance monitoring systems; manual fee structure updates; insufficient staff training on regulatory changes

Why This Matters

This pain point represents a significant opportunity for B2B solutions targeting Retail Gasoline.

Affected Stakeholders

Petrol Station Operations Manager, POS System Administrator, Compliance Officer, Finance Controller

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Financial Impact

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Current Workarounds

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Methodology & Sources

Data collected via OSINT from regulatory filings, industry audits, and verified case studies.

Evidence Sources:

Related Business Risks

تكاليف معالجة بطاقات الائتمان الزائدة (Excess Credit Card Processing Costs)

Estimated AED 27,600–69,000 annually per mid-sized station (based on 1.15% rate on AED 2–5M monthly credit card volume); potential recovery of AED 15,000–40,000 via renegotiated merchant rates or cash-back incentives

قرارات تسعير غير مطابقة للامتثال (Non-Compliant Pricing Decisions)

Estimated AED 30,000–100,000 annually per large operator in chargeback refunds, customer compensation, and regulatory investigation costs; plus reputational loss (not quantified)

غرامات عدم الامتثال لمبيعات اليانصيب

AED 10,000-50,000 per violation + 5% of tax shortfall

خسائر في الفواتير غير المسجلة لليانصيب

1-3% of total non-fuel revenue (AED 75,000-150,000 annually per station)

تأخير تحصيل إيرادات اليانصيب

20-40 hours/month manual labor + 10-15 days extra in Accounts Receivable

خسائر المبيعات من الطوابير

2-5% daily sales loss during stockouts (AED 5,000-10,000 per incident)

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