Terms and Conditions

These Terms and Conditions constitute a legally binding User Agreement between the client and HKS Global Group DMCC the owner and operator of ARPAY and ar-pay.com website. Please read this carefully before using this website. By accessing and using ARPAY services, you agree and accept to comply with the terms and conditions of this agreement. If you do not agree to abide by the above and to be bound by this User Agreement, please do not use our services (visit our website, register etc.).

Description of Service

ARPAY and the website (ar-pay.com) are owned and operated by HKS Global Group DMCC, with legal address: Unit No 1306, The Dome Tower, Plot No: JLT-PH1-N1 Jumeirah Lakes Towers, Dubai, UAE. Our mission is to provide secure, quick and safe shopping process in GCC and Arab countries. Currently our company is also a re-seller of popular brands. All prepaid cards that are presented at our website may be used at online shop, E-wallets and more. Gift cards and Vouchers can be purchased from us, can also be used as gift certificates which means that they can be redeemed on corresponding websites to purchase software, E-Wallets, games and lots of other items. Our products are digital codes that the client receives immediately after completing the payment and/or KYC verification.

We work with local banks to enable our clients to deposit money directly and safely.

Client’s responsibilities

In order to be eligible for using ARPAY services you must be older than 18 years old. To be able to register and create your account in ARPAY and to make a purchase you would have to provide us with some of your personal information: your name, address, telephone and email address, proof of your identity (for more information please read our Privacy Policy on our website), etc. Registration on our website is the proof that all information that you gave us is true, accurate and up to date (by clicking tick box I confirm that I have read Terms and Conditions and Privacy Policy and agree with them). We may use your personal information to contact you, to process payments for our services, to provide you with all necessary information about our products, payment methods, delivery, etc., to conduct customer surveys.

The client has responsibility to comply with all requests made both by ARPAY and our service providers if needed to authenticate his identity or validate the source of funding to his ARPAY account. If the client is not able to provide us with this information, ARPAY has a right to suspend his access to client's account or to close his account.

All prepaid cards, coupons, e-vouchers are not refundable and could be used only once. The client is responsible for his choice - by accepting this User Agreement he acknowledges that he has read the product description carefully and is sure that the electronic goods that he has bought are correct and compatible with his device.

Order Process

The ARPAY website displays full and precise description of prepaid cards, gift cards, vouchers and codes based on information supplied by our partners and product suppliers. To complete a purchase the client will be required to provide valid phone number and if requested an email address. The client shall be notified of the various payment options at the beginning of the order process and before completing the purchase.

Given the nature of the products, the client shall be required to pay the price due in full before being supplied with the digital code associated with the purchased product. We reserve the right to refuse to supply the code without being required to state its reasons for doing so. In such case we shall not collect the payment made by the client or shall refund the payment received.


Products purchased on ARPAY website may be supplied to the client via the e-mail address that the client provides and/or by displaying the code associated with the ordered product directly on the ARPAY website following the purchase. We shall supply the code to the client as soon as we confirm that payment from the client have been received. However, the supply period shall depend on the means of payment chosen. Payment made with certain means of payment such as bank transfers, PayPal, Skrill and credit cards may take up to 5 working days to process.


We will not disclose any of the personal information to any third party, unless the client has authorized us to do so or we are legally required to do so. In the same time, we cannot be responsible for third parties’ fraud activities. Also, for higher safety we recommend you do not divulge your password to anyone and to sign out of the ARPAY website and close your browser window when you have finished your work. For more information, please read Privacy Policy on our website.

Intellectual Property

All names, trademarks, logos and images displayed on ar-pay.com are registered trademarks of HKS Global Group DMCC. None of the information that is displayed on our website (design, images, trademarks, button icons, etc.) can be copied, downloaded, reproduced or stored without our written permission. All content (including software) is the exclusive property of HKS Global Group DMCC.


ARPAY has a right to change these Terms and Conditions and User Agreement, Privacy Policy and product prices at any time or from time to time when it is necessary. These changes will be effective after posting on the website. ARPAY will not warn clients via email or phone about these changings, which means client has to review ar-pay.com from time to time and be bound by the changed User Agreement and prices.

Disclaimers and Limitation of Liability

We will try to do our best to process all transactions in the shortest time, but we cannot predict the amount of time needed to complete processing of any transaction or transfer.

ARPAY and ar-pay.com website can have links to third party websites that are not controlled or maintained by us. This means that we cannot accept any responsibility for the materials or offers featured on such websites.

ARPAY is not responsible for any programming error or technical problems which may be affected by factors outside of our control.


If any dispute or claim arises out of or in connection with this User Agreement the parties should attempt amicably to settle this dispute through negotiations over a period of thirty 30 calendar days commencing on the date that a party first sends to the other party a written notice of the dispute. If this dispute has not been settled amicably by the parties by the end of 30 days-period, the parties hereby agree that the Dispute shall be referred to and finally resolved by higher courts.

Governing law

These Terms and Conditions and User Agreement shall be governed by and construed in accordance with the laws of UAE. The courts of UAE have exclusive jurisdiction to settle any dispute arising out of or in connection with this User Agreement.

Payment Processors and Legal Entities:

Payments initiated on the website https://ar-pay.com/ are handled through legal entity HKS Global Group DMCC, address: Unit No 1306, The Dome Tower, Plot No: JLT-PH1-N1 Jumeirah Lakes Towers, Dubai, UAE or ‌through legal entity HKS GLOBAL GROUP UK LTD, address: 71-75 Shelton Street, Covent Garden, London, England, WC2H 9JQ, depending on the chosen payment method.