Amer Ghalib’s third day in an American high school was very nearly his last when he was given consecutive zero grades for not doing the set homework.
With cheeks burning as the maths teacher berated him in front of the other pupils, a despondent Ghalib, then 18, resolved to quit.
Back home in Yemen, he had been top of the class but 10-hour night shifts on the production line of a Midwestern car parts factory left little enough time for sleep and lessons, never mind extra academic work.
“Everyone was looking at me,” Ghalib, now 43, tells The National. “It was embarrassing. I only went to high school to learn English. That was my goal.
"But the Egyptian maths teacher, Abdul Salam, started focusing on me. He must have thought I didn’t care about school so he picked on me.”
There seemed little point in continuing but then Mr Salam wrote a complicated algebraic problem on the blackboard as a challenge for his cohort.
Ghalib volunteered to have a go, rose from his seat, picked up the chalk and solved the problem without uttering a word.
“After class, the teacher said in Arabic: ‘You’re smart and you know your stuff, why don’t you do your homework?’
"When I told him there was no time because I had to work in a factory for $7 an hour, he said: ‘If you finish college, you can make $70 an hour.’
“That was the moment that changed my life because before that I had decided not to come to school any more.”
The intervention put him back on track to achieve his childhood ambition of holding public office, a dream fulfilled when he last year became the first Muslim mayor of Hamtramck in the Great Lakes region of Michigan.
On reflection, though, Ghalib concedes that the route to get there was circuitous with a lengthy diversion by way of the field of medicine.
Born in Yemen, his was an idyllic childhood in the village of Al Awd in Ibb province in the rugged mountains of the country’s south-west.
He excelled in maths and science at the tiny Al Islah school in the neighbouring village of Nashawan, where Egyptian, Syrian and Iraqi teachers doubled up on subjects for children of every age from elementary to high school in a handful of classrooms.
In his spare time, young Amer played football in local leagues, becoming an Argentina fan after watching Diego Maradona’s record-breaking five goals and five assists in the 1986 World Cup, and wrote poetry.
So it was apt when he was inaugurated as mayor a year ago that he quoted translated lines about determination and persistence by one of his favourite Yemeni poets, Abdulaziz Al Maqaleh.
“The poem was about never giving up,” he says. “Poetry makes me feel great because I can express my feelings about anything.
“Some people think it’s odd for a healthcare practitioner and politician to write poetry but it’s a way of expressing what’s inside. I still write.”
Career inspiration was to come in the form of his great-uncle, Dahan Najar, on whose every word Amer would hang as the family was regaled with tales of his travels to the then Soviet Union and work as a diplomat.
“They would call him doctor,” Ghalib says, “and I wanted to be just like him. He was my role model.
“He had completed a doctorate in political science in Russia and worked in government — so, at that young age of five or six, I decided I wanted to be a politician.”
Fate, however, seemed to have other plans. As the eldest of 10 siblings, Amer was expected to leave his village to work in the US and send money home.
The path was well-trodden by friends, neighbours and Ghalib antecedents, whose earnings were vital to keep the farming community thriving.
His father, Mahmoud, and grandfather, Ali, had by turns lived in Hamtramck for many years, where work was plentiful and migrant labour in demand.
“They needed me to come here and support the family,” he says, of dutifully taking a job in the American car industry. “I was very upset because I thought my future was over.”
And there, on the industrial floor of the MES corporation, he, too, might have toiled for decades before returning to settle in Yemen but for his overriding desire to make something more of himself.
Unlike those who went before him, Ghalib was to become representative of the modern-day immigrants who see their future as proud Yemeni-Americans.
He is quick to point out, though, that their lives nonetheless have a firm footing in tradition, saying they are not so much the "sandwich generation" of their western counterparts but more like the sabayah pastry. "We support multiple layers of relatives and neighbours,” Ghalib says.
Six months into his job on the factory floor, he applied to enrol on an adult evening class to learn English. The cousin with whom he was living at the time was accepted but Ghalib, deemed to be too young, was not.
On the advice of co-workers, who gave the erroneous assurance that homework was not compulsory, he registered to complete his final year of high school, attending classes from 7.30am until 2.30pm, then catching a lift to the factory with a colleague to work until 1am.
Mr Salam soon encouraged Ghalib to scale back his shift so he could spend two hours in the cafe doing his homework but the pupil often put in even more time afterwards to spare himself any further humiliation.
“That teacher was an inspiration. He told me not to waste my talent.”
His graduation on the school’s football pitch in the summer of 2000 was captured in photographs taken by his cousin that were sent to his father in Yemen.
I’m a multi-tasker. I never give up on anything. If I don’t accomplish my goal one way, I try another
One of the first people to be consulted about Ghalib’s next step was his revered great-uncle Dr Najar but the response was not what the young man had expected.
“He said: ‘Politics is not going to feed you. You are smart, you can do something professional that will help you survive.’
“So I decided to do medicine because my second favourite thing was science.”
With his English language skills still lacking, Ghalib struggled to obtain entry to medical school after completing a degree in biological science at Henry Ford Community College, transferring to Wayne State University in Michigan after two years.
He returned to Yemen in 2005 to marry Iman, now 36, then enrolled at Ross University School of Medicine in the Caribbean and went on to do two years of clinical rotations at Sinai Grace hospital in Detroit.
These days, as he awaits an opportunity for a residency, the father of three daughters - Mayasm, 15, Ansam, 13, and Balsam, three - juggles work as an assisting physician along with a master's degree in nursing online in the hope of opening a medical practice.
“I’m a multi-tasker,” he says. “I never give up on anything. If I don’t accomplish my goal one way, I try another.”
Which explains why, when conservative community leaders felt aggrieved at the relaxing of marijuana licensing laws in Hamtramck, Ghalib saw not only an important issue to get behind but a political opportunity.
“The people who used to run in local elections were the same every time and never solved any of the city’s problems,” he says.
“They did not represent us well, especially the Muslim immigrants. The leaders did not listen to the people and we were looking for someone to take over. I said I could do it and serve the people.”
He won an astonishing 68 per cent of the vote — more than double that of the long-time incumbent Karen Majewski, bringing an end to the city’s string of Polish mayors for the past century.
“When I registered, some people were sceptical and said: ‘He will lose, no one knows him.’ But there are a lot of Yemenis here in Hamtramck and they knew me very well.
"They knew I would be a strong candidate and that, even though I didn’t have much experience of public office, I had the skills to succeed.”
It hasn’t all been plain sailing since. Ghalib faces a mountain of woes, including ageing infrastructure, a city council budget deficit and replacing poisonous lead pipes in homes.
But one of the biggest challenges has been trying to unite a city long in the media spotlight for its diversity.
A welcome sign at the border sums up its reputation for being the UN in microcosm: “The world in two square miles.”
Polish shopfronts now sit side by side Yemeni restaurants and Bangladeshi shops, flyers are printed in Arabic, and the adhan is heard on street corners as large numbers of Arabs and Asians continue to make Hamtramck their home.
While some have seen his appointment — and that of fellow Arab American mayors Bill Bazzi in nearby Dearborn Heights and Abdullah Hammoud in Dearborn — as a celebration of growing multiculturalism in the US, there has been a backlash from some quarters.
Critics have scoured posts on Ghalib’s social media platforms to accuse him of bigotry but his response has been: “We try to represent everyone and make them feel this is their home, no matter what religion or background they have. I try to serve people equally.”
His inauguration followed Hamtramck becoming the first US city with a Muslim-majority council in 2015. The councillors are now all Muslim, and, for Ghalib, the ceremony held at the school where he set out to alter his own destiny marked just how far both he and his adopted home had come.
As he looked out over the auditorium, he recalled his school careers adviser saying: “I don’t think you’ll have any future in politics in this country. You’ll always speak English with an accent and your background will not be in your favour.”
With a wry smile, he told the audience: “I still do speak with an accent — but I have decided to come back and embrace my first love, politics.”
Almost a year into the part-time municipal role and nine Fifa World Cups after Argentina last lifted the trophy, Ghalib watched the first half of the 2022 final last month with a local Bangladeshi crowd before moving to another lounge to join fellow Yemenis for the rest of the match.
All assembled were agreeably cheering for the mayor's favourite side — except for three fans belatedly exposed as France supporters when the second equaliser was scored.
On his Facebook feed once the tense penalty shoot-out was over, he wrote that the win for Lionel Messi’s squad, “after a lot of trouble, is what makes the victory more sweet and deserved”.
Having overcome adversity to hit goal after goal, and making countless assists along the way, Ghalib knows exactly how that feels.
The specs
Engine: 6.2-litre V8
Transmission: ten-speed
Power: 420bhp
Torque: 624Nm
Price: Dh325,125
On sale: Now
The National Archives, Abu Dhabi
Founded over 50 years ago, the National Archives collects valuable historical material relating to the UAE, and is the oldest and richest archive relating to the Arabian Gulf.
Much of the material can be viewed on line at the Arabian Gulf Digital Archive - https://www.agda.ae/en
The burning issue
The internal combustion engine is facing a watershed moment – major manufacturer Volvo is to stop producing petroleum-powered vehicles by 2021 and countries in Europe, including the UK, have vowed to ban their sale before 2040. The National takes a look at the story of one of the most successful technologies of the last 100 years and how it has impacted life in the UAE.
Read part four: an affection for classic cars lives on
Read part three: the age of the electric vehicle begins
Read part one: how cars came to the UAE
WHAT%20START-UPS%20IS%20VISA%20SEEKING%3F
%3Cp%3E%3Cstrong%3EEnablers%20of%20digital%20services%3C%2Fstrong%3E%3Cbr%3E%E2%80%A2%20Blockchain%20and%20cryptocurrency%3Cbr%3E%E2%80%A2%20Crowdfunding%3Cbr%3E%E2%80%A2%20Banking-as-a-service%3Cbr%3E%E2%80%A2%20Banking%20identification%20number%20sponsors%3Cbr%3E%E2%80%A2%20Issuers%2Fprocessors%3Cbr%3E%E2%80%A2%20Programme%20managers%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EDigital%20issuance%3C%2Fstrong%3E%3Cbr%3E%E2%80%A2%20Blockchain%20and%20cryptocurrency%3Cbr%3E%E2%80%A2%20Alternative%20lending%3Cbr%3E%E2%80%A2%20Personal%20financial%20management%3Cbr%3E%E2%80%A2%20Money%20transfer%20and%20remittance%3Cbr%3E%E2%80%A2%20Digital%20banking%20(neo%20banks)%3Cbr%3E%E2%80%A2%20Digital%20wallets%2C%20peer-to-peer%20and%20transfers%3Cbr%3E%E2%80%A2%20Employee%20benefits%3Cbr%3E%E2%80%A2%20Payables%3Cbr%3E%E2%80%A2%20Corporate%20cards%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EValue-add%20for%20merchants%2Fconsumers%3C%2Fstrong%3E%3Cbr%3E%E2%80%A2%20Data%20and%20analytics%3Cbr%3E%E2%80%A2%20ID%2C%20authentication%20and%20security%3Cbr%3E%E2%80%A2%20Insurance%20technology%3Cbr%3E%E2%80%A2%20Loyalty%3Cbr%3E%E2%80%A2%20Merchant%20services%20and%20tools%3Cbr%3E%E2%80%A2%20Process%20and%20payment%20infrastructure%3Cbr%3E%E2%80%A2%20Retail%20technology%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ESME%20recovery%3C%2Fstrong%3E%3Cbr%3E%E2%80%A2%20Money%20movement%3Cbr%3E%E2%80%A2%20Acceptance%3Cbr%3E%E2%80%A2%20Risk%20management%3Cbr%3E%E2%80%A2%20Brand%20management%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ENew%20categories%20for%202023%3C%2Fstrong%3E%3Cbr%3E%E2%80%A2%20Sustainable%20FinTechs%3Cbr%3E%E2%80%A2%20Risk%3Cbr%3E%E2%80%A2%20Urban%20mobility%3C%2Fp%3E%0A
The Bio
Favourite place in UAE: Al Rams pearling village
What one book should everyone read: Any book written before electricity was invented. When a writer willingly worked under candlelight, you know he/she had a real passion for their craft
Your favourite type of pearl: All of them. No pearl looks the same and each carries its own unique characteristics, like humans
Best time to swim in the sea: When there is enough light to see beneath the surface
Kandahar%20
%3Cp%3E%3Cstrong%3EDirector%3A%3C%2Fstrong%3E%20Ric%20Roman%20Waugh%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EStars%3A%C2%A0%3C%2Fstrong%3EGerard%20Butler%2C%20Navid%20Negahban%2C%20Ali%20Fazal%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ERating%3A%3C%2Fstrong%3E%202.5%2F5%3C%2Fp%3E%0A
The past winners
2009 - Sebastian Vettel (Red Bull)
2010 - Sebastian Vettel (Red Bull)
2011 - Lewis Hamilton (McLaren)
2012 - Kimi Raikkonen (Lotus)
2013 - Sebastian Vettel (Red Bull)
2014 - Lewis Hamilton (Mercedes)
2015 - Nico Rosberg (Mercedes)
2016 - Lewis Hamilton (Mercedes)
2017 - Valtteri Bottas (Mercedes)
Match info
Liverpool 3
Hoedt (10' og), Matip (21'), Salah (45 3')
Southampton 0
Dust and sand storms compared
Sand storm
- Particle size: Larger, heavier sand grains
- Visibility: Often dramatic with thick "walls" of sand
- Duration: Short-lived, typically localised
- Travel distance: Limited
- Source: Open desert areas with strong winds
Dust storm
- Particle size: Much finer, lightweight particles
- Visibility: Hazy skies but less intense
- Duration: Can linger for days
- Travel distance: Long-range, up to thousands of kilometres
- Source: Can be carried from distant regions
Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.
Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.
“Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.
Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.
“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.
Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.
From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.
Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.
BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.
Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.
Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.
“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.
Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.
“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.
“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”
The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”
Company profile
Name: Thndr
Started: October 2020
Founders: Ahmad Hammouda and Seif Amr
Based: Cairo, Egypt
Sector: FinTech
Initial investment: pre-seed of $800,000
Funding stage: series A; $20 million
Investors: Tiger Global, Beco Capital, Prosus Ventures, Y Combinator, Global Ventures, Abdul Latif Jameel, Endure Capital, 4DX Ventures, Plus VC, Rabacap and MSA Capital
First Person
Richard Flanagan
Chatto & Windus
Key facilities
- Olympic-size swimming pool with a split bulkhead for multi-use configurations, including water polo and 50m/25m training lanes
- Premier League-standard football pitch
- 400m Olympic running track
- NBA-spec basketball court with auditorium
- 600-seat auditorium
- Spaces for historical and cultural exploration
- An elevated football field that doubles as a helipad
- Specialist robotics and science laboratories
- AR and VR-enabled learning centres
- Disruption Lab and Research Centre for developing entrepreneurial skills
Tips to stay safe during hot weather
- Stay hydrated: Drink plenty of fluids, especially water. Avoid alcohol and caffeine, which can increase dehydration.
- Seek cool environments: Use air conditioning, fans, or visit community spaces with climate control.
- Limit outdoor activities: Avoid strenuous activity during peak heat. If outside, seek shade and wear a wide-brimmed hat.
- Dress appropriately: Wear lightweight, loose and light-coloured clothing to facilitate heat loss.
- Check on vulnerable people: Regularly check in on elderly neighbours, young children and those with health conditions.
- Home adaptations: Use blinds or curtains to block sunlight, avoid using ovens or stoves, and ventilate living spaces during cooler hours.
- Recognise heat illness: Learn the signs of heat exhaustion and heat stroke (dizziness, confusion, rapid pulse, nausea), and seek medical attention if symptoms occur.
SPEC%20SHEET%3A%20APPLE%20M3%20MACBOOK%20AIR%20(13%22)
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T10 Cricket League
Sharjah Cricket Stadium
December 14- 17
6pm, Opening ceremony, followed by:
Bengal Tigers v Kerala Kings
Maratha Arabians v Pakhtoons
Tickets available online at q-tickets.com/t10
The specs: 2019 Haval H6
Price, base: Dh69,900
Engine: 2.0-litre turbocharged four-cylinder
Transmission: Seven-speed automatic
Power: 197hp @ 5,500rpm
Torque: 315Nm @ 2,000rpm
Fuel economy, combined: 7.0L / 100km
Who's who in Yemen conflict
Houthis: Iran-backed rebels who occupy Sanaa and run unrecognised government
Yemeni government: Exiled government in Aden led by eight-member Presidential Leadership Council
Southern Transitional Council: Faction in Yemeni government that seeks autonomy for the south
Habrish 'rebels': Tribal-backed forces feuding with STC over control of oil in government territory
Living in...
This article is part of a guide on where to live in the UAE. Our reporters will profile some of the country’s most desirable districts, provide an estimate of rental prices and introduce you to some of the residents who call each area home.
THE%20SPECS
%3Cp%3EEngine%3A%204.4-litre%20twin-turbo%20V8%20hybrid%0D%3Cbr%3EPower%3A%20653hp%20at%205%2C400rpm%0D%3Cbr%3ETorque%3A%20800Nm%20at%201%2C600-5%2C000rpm%0D%3Cbr%3ETransmission%3A%208-speed%20auto%0D%3Cbr%3E0-100kph%20in%204.3sec%0D%3Cbr%3ETop%20speed%20250kph%0D%3Cbr%3EFuel%20consumption%3A%20NA%0D%3Cbr%3EOn%20sale%3A%20Q2%202023%0D%3Cbr%3EPrice%3A%20From%20Dh750%2C000%0D%3Cbr%3E%3C%2Fp%3E%0A
The years Ramadan fell in May
The specs
Engine: 77.4kW all-wheel-drive dual motor
Power: 320bhp
Torque: 605Nm
Transmission: Single-speed automatic
Price: From Dh219,000
On sale: Now
UAE currency: the story behind the money in your pockets
FIXTURES
Thursday
Dibba v Al Dhafra, Fujairah Stadium (5pm)
Al Wahda v Hatta, Al Nahyan Stadium (8pm)
Friday
Al Nasr v Ajman, Zabeel Stadium (5pm)
Al Jazria v Al Wasl, Mohammed Bin Zayed Stadium (8pm)
Saturday
Emirates v Al Ain, Emirates Club Stadium (5pm)
Sharjah v Shabab Al Ahli Dubai, Sharjah Stadium (8pm)
3%20Body%20Problem
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The Rub of Time: Bellow, Nabokov, Hitchens, Travolta, Trump and Other Pieces 1986-2016
Martin Amis,
Jonathan Cape
Story of 2017-18 so far and schedule to come
Roll of Honour
Who has won what so far in the West Asia rugby season?
Western Clubs Champions League
Winners: Abu Dhabi Harlequins
Runners up: Bahrain
Dubai Rugby Sevens
Winners: Dubai Exiles
Runners up: Jebel Ali Dragons
West Asia Premiership
Winners: Jebel Ali Dragons
Runners up: Abu Dhabi Harlequins
UAE Premiership Cup
Winners: Abu Dhabi Harlequins
Runners up: Dubai Exiles
Fixtures
Friday
West Asia Cup final
5pm, Bahrain (6pm UAE time), Bahrain v Dubai Exiles
West Asia Trophy final
3pm, The Sevens, Dubai Hurricanes v Dubai Sports City Eagles
Friday, April 13
UAE Premiership final
5pm, Al Ain, Dubai Exiles v Abu Dhabi Harlequins
RACE SCHEDULE
All times UAE ( 4 GMT)
Friday, September 29
First practice: 7am - 8.30am
Second practice: 11am - 12.30pm
Saturday, September 30
Qualifying: 1pm - 2pm
Sunday, October 1
Race: 11am - 1pm
War
Director: Siddharth Anand
Cast: Hrithik Roshan, Tiger Shroff, Ashutosh Rana, Vaani Kapoor
Rating: Two out of five stars
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Skoda Superb Specs
Engine: 2-litre TSI petrol
Power: 190hp
Torque: 320Nm
Price: From Dh147,000
Available: Now
Women%E2%80%99s%20T20%20World%20Cup%20Qualifier
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From exhibitions to the battlefield
In 2016, the Shaded Dome was awarded with the 'De Vernufteling' people's choice award, an annual prize by the Dutch Association of Consulting Engineers and the Royal Netherlands Society of Engineers for the most innovative project by a Dutch engineering firm.
It was assigned by the Dutch Ministry of Defence to modify the Shaded Dome to make it suitable for ballistic protection. Royal HaskoningDHV, one of the companies which designed the dome, is an independent international engineering and project management consultancy, leading the way in sustainable development and innovation.
It is driving positive change through innovation and technology, helping use resources more efficiently.
It aims to minimise the impact on the environment by leading by example in its projects in sustainable development and innovation, to become part of the solution to a more sustainable society now and into the future.
Moral education needed in a 'rapidly changing world'
Moral education lessons for young people is needed in a rapidly changing world, the head of the programme said.
Alanood Al Kaabi, head of programmes at the Education Affairs Office of the Crown Price Court - Abu Dhabi, said: "The Crown Price Court is fully behind this initiative and have already seen the curriculum succeed in empowering young people and providing them with the necessary tools to succeed in building the future of the nation at all levels.
"Moral education touches on every aspect and subject that children engage in.
"It is not just limited to science or maths but it is involved in all subjects and it is helping children to adapt to integral moral practises.
"The moral education programme has been designed to develop children holistically in a world being rapidly transformed by technology and globalisation."
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The alternatives
• Founded in 2014, Telr is a payment aggregator and gateway with an office in Silicon Oasis. It’s e-commerce entry plan costs Dh349 monthly (plus VAT). QR codes direct customers to an online payment page and merchants can generate payments through messaging apps.
• Business Bay’s Pallapay claims 40,000-plus active merchants who can invoice customers and receive payment by card. Fees range from 1.99 per cent plus Dh1 per transaction depending on payment method and location, such as online or via UAE mobile.
• Tap started in May 2013 in Kuwait, allowing Middle East businesses to bill, accept, receive and make payments online “easier, faster and smoother” via goSell and goCollect. It supports more than 10,000 merchants. Monthly fees range from US$65-100, plus card charges of 2.75-3.75 per cent and Dh1.2 per sale.
• 2checkout’s “all-in-one payment gateway and merchant account” accepts payments in 200-plus markets for 2.4-3.9 per cent, plus a Dh1.2-Dh1.8 currency conversion charge. The US provider processes online shop and mobile transactions and has 17,000-plus active digital commerce users.
• PayPal is probably the best-known online goods payment method - usually used for eBay purchases - but can be used to receive funds, providing everyone’s signed up. Costs from 2.9 per cent plus Dh1.2 per transaction.
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