Botim, the UAE’s leading fintech platform, has partnered with Mastercard to introduce the Mastercard One Credential, a flexible payment solution that allows eligible Botim cardholders to manage multiple funding sources through a single card.
The launch marks the first rollout of the solution in the UAE and across Eastern Europe, the Middle East, and Africa (EEMEA), underscoring both companies’ commitment to product innovation in digital payments.
Mastercard One Credential enables users to link one payment product to multiple funding sources via a seamless digital interface. Eligible cardholders can switch between prepaid balances and credit funding without needing a separate card, giving them greater control and convenience over everyday spending.
The development responds to rising consumer demand for flexible payment options. Mastercard’s global consumer research found that 83% of UAE consumers surveyed said they would use card installments through One Credential. The study also highlighted strong interest in consolidating multiple payment methods into a single, streamlined capability.
For first-time credit users, the solution provides a simpler entry point by embedding credit access within an existing card experience.
Botim cardholders can also access funds across multiple currencies and convert purchases into flexible installments, boosting purchasing power while offering clearer visibility over transactions and financial management.
H.E. Dr. Tariq BinHendi, Board Member of Astra Tech and CEO of Botim, said the partnership reflects a shared commitment to improving everyday financial lives.
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“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.”
Gina Petersen-Skyrme, Senior Vice President and Country Manager for UAE and Oman at Mastercard, emphasised the solution’s focus on simplicity and scalability.
“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.”
The prepaid and installment proposition represents the first milestone in the broader collaboration between Botim and Mastercard. It lays the foundation for future Botim card offerings and additional payment use cases designed to expand the ways customers can pay.
