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About Us

ABOUT US

Pay10 UAE is a regulated payments platform building secure, interoperable, and compliance-led payment infrastructure. Aligned with the Central Bank and schemes such as Aani, Al Tareq, and Jaywan, we operate under key licenses including the Stored Value Facility license, Retail Payment Services and Card Schemes Category II, and Open Finance, with cross-border capability.

Giving You the Power to Dream Big

As an alternative payment services provider, we aim to make your life easier and richer by empowering you with quick, secure, and accessible digital payment solutions – whether you are an individual looking to make the most of your hard-earned money or a business looking to scale up like never before.

Where We Score High

Large payment volume capacity

Frictionless Payment
Experience

Far-reaching Customer Support

In-house risk management to monitor transactions

Simple, Secure, and reliable payment process

Frequent merchant updates

Large payment volume capacity

Frictionless payment
experience

Always-on customer support

Intelligent risk management to monitor transactions

Simple, secure, and reliable payment process

Frequent merchant updates

Meet Our Board

Harry Gill
Founder and Chairman

Mr. Prabhpreet Singh Gill (Harry Gill) is a visionary business mogul and the Chairman of Pay10. His journey is marked by a remarkable ability to envision the bigger picture, his unwavering discipline, and a genuine affinity for fintech, IT, and agriculture. His strength lies in his passion for all things technical, especially fintech, where he thrives.

Through his pioneering ventures, he seeks to create a lasting business legacy, one built on unshakable foundations of integrity, reliability, and unwavering commitment. He envisions a future for his team that resounds with abundance and financial strength for centuries to come.

Osama Al Rahma
Board Member

Osama Al Rahma has performed leadership roles across the financial sector and other organizations and currently at Emirates Investment Bank as Head of Business Development and Wealth Management. He has over 30 years of experience in the financial services.

Prior to Emirates Investment Bank, Osama worked at Al Fardan Exchange LLC and Al Fardan Group since 1993 in many leadership roles and was CEO since 2011 and Director at the Group. He has occupied other roles such as EX-Chairman of Foreign Exchange and Remittance Group ( FERG) under Dubai Chamber of Commerce and currently act as Advisor to the board . He was a former Vice Chairman of Dubai Quality Group. He is an Independent Director and Advisor to other Fintech and payment companies.
He holds a degree in Electronics Engineering and a Postgraduate Diploma in Management Studies from the University of Hull. He is also an alumnus of J.F. Kennedy School of Governments Executive Program in Leadership of Harvard University and holds a Harvard Fintech Certificate. HE has Diploma in Corporate Governance from the Corporate Governance Institute in Dublin.

Saad Kaleem
Board Member

A forward-thinking leader with extensive expertise in fintech, payments, and business transformation, Saad Kaleem is known for his strategic vision and ability to drive impactful results, successfully leading organisations through periods of rapid growth and innovation.

Leveraging his extensive experiences, Saad is charting a path for global expansion and is well on his way to positioning Pay10 as a forerunner in the fintech landscape.

He is passionate about building strong teams, driving operational excellence, and creating value for client, partners, and stakeholders in an ever-evolving digital economy.

Shweta Sood
Board Member

Shweta Sood is a senior fintech risk and governance professional with over 19 years of experience in regulated environments, specializing in enterprise risk management, regulatory compliance, and operational resilience.

She currently serves as Chief Risk Officer – Global at Pay10, where she oversees group-wide risk strategy, governance frameworks, and regulatory alignment across international operations, ensuring scalable and compliant growth.

Shweta holds a master’s degree in International Tourism Management, a BSc in Hotel, Motel & Restaurant Management, and is a Certified Risk Management Professional (CRMP)

Temi Labor
Board Member

An accomplished Governance, Risk, and Compliance (GRC) leader, she brings extensive experience across governance, internal audit, regulatory affairs, financial crime, and risk management within the financial services and fintech sectors. Driven by a passion for ethical leadership and sustainable growth, she combines strategic insight with operational excellence to enhance governance frameworks, organisational performance, and regulatory trust.

Harry Gill
Founder and Chairman

Mr. Prabhpreet Singh Gill (Harry Gill) is a visionary business mogul and the Chairman of Pay10. His journey is marked by a remarkable ability to envision the bigger picture, his unwavering discipline, and a genuine affinity for fintech, IT, and agriculture. His strength lies in his passion for all things technical, especially fintech, where he thrives.

Through his pioneering ventures, he seeks to create a lasting business legacy, one built on unshakable foundations of integrity, reliability, and unwavering commitment. He envisions a future for his team that resounds with abundance and financial strength for centuries to come.

Osama Al Rahma
Board Member

Osama Al Rahma has performed leadership roles across the financial sector and other organizations and currently at Emirates Investment Bank as Head of Business Development and Wealth Management. He has over 30 years of experience in the financial services.

Prior to Emirates Investment Bank, Osama worked at Al Fardan Exchange LLC and Al Fardan Group since 1993 in many leadership roles and was CEO since 2011 and Director at the Group. He has occupied other roles such as EX-Chairman of Foreign Exchange and Remittance Group ( FERG) under Dubai Chamber of Commerce and currently act as Advisor to the board . He was a former Vice Chairman of Dubai Quality Group. He is an Independent Director and Advisor to other Fintech and payment companies.
He holds a degree in Electronics Engineering and a Postgraduate Diploma in Management Studies from the University of Hull. He is also an alumnus of J.F. Kennedy School of Governments Executive Program in Leadership of Harvard University and holds a Harvard Fintech Certificate. HE has Diploma in Corporate Governance from the Corporate Governance Institute in Dublin.

Saad Kaleem
Board Member

A forward-thinking leader with extensive expertise in fintech, payments, and business transformation, Saad Kaleem is known for his strategic vision and ability to drive impactful results, successfully leading organisations through periods of rapid growth and innovation.

Leveraging his extensive experiences, Saad is charting a path for global expansion and is well on his way to positioning Pay10 as a forerunner in the fintech landscape.

He is passionate about building strong teams, driving operational excellence, and creating value for client, partners, and stakeholders in an ever-evolving digital economy.

Shweta Sood
Board Member

Shweta Sood is a senior fintech risk and governance professional with over 19 years of experience in regulated environments, specializing in enterprise risk management, regulatory compliance, and operational resilience.

She currently serves as Chief Risk Officer – Global at Pay10, where she oversees group-wide risk strategy, governance frameworks, and regulatory alignment across international operations, ensuring scalable and compliant growth.

Shweta holds a master’s degree in International Tourism Management, a BSc in Hotel, Motel & Restaurant Management, and is a Certified Risk Management Professional (CRMP)

Temi Labor
Board Member

An accomplished Governance, Risk, and Compliance (GRC) leader, she brings extensive experience across governance, internal audit, regulatory affairs, financial crime, and risk management within the financial services and fintech sectors. Driven by a passion for ethical leadership and sustainable growth, she combines strategic insight with operational excellence to enhance governance frameworks, organisational performance, and regulatory trust.

Get to Know Our Team

Abdul Samad Fattani

Head of Audit and Risk

Mian Masood

CCO & Head of Compliance

Jana Mingovska

Head of HR

Akash Nainwal

Chief Operations Officer

Atin Neraliya

Head of Operations

Peri Ozdemir

Head of Product

Ambuj Singh

Head of Technology

Our Journey So Far

Pay10 opened its new headquarter in Dubai, UAE to expand globally.

Pay10 UAE received licenses from The Central Bank of the UAE (CBUAE) under Payment Services & Card Schemes (RPSCS Category II) and Stored Value Facilities (SVF) frameworks.

Together, these licenses authorize Pay10 to offer Merchant Acquiring Services, Account Issuing, Payment Aggregation Services, Domestic Fund Transfer Services, Cross Border Remittances and Opening & Maintaining Digital Wallets—further reinforcing its position as a leader in digital-first financial services across the region.

Pay10 UAE received approval as the country’s first licensed Third-Party Provider (TPP) under the Central Bank of the UAE’s (CBUAE) Open Finance framework.

In August 2025, Pay10 successfully performed the first ever live transaction on CBUAE’s Open Finance Platform.

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