Hi there, Monika.

QuickBooks Online for United Arab Emirates doesn't offer QuickBooks Payments. You'll need to use a third-party application that integrates with QBO.

While the payments subscription isn't available, you can still manage your accounting and track payments within QBO, and use a separate payment gateway to handle the actual transactions.

Feel free to visit this page to browse for an external app to integrate with your QBO company: QuickBooks App Store | Global 

Let us know if you have additional concerns with QuickBooks Online. We're always ready to help.