Middle East & North Africa · On request
Payment methods in Saudi Arabia
Saudi Arabia pays online with mada, the national debit scheme that carries about 55% of online payments by value (Saudi Payments, 2025), with Visa and Mastercard credit cards, Apple Pay and the STC Pay wallet behind it. SAMA licenses payment companies; Tranzify's clients work through SAMA-licensed providers from the catalogue.
Market facts
- Currency
- SAR · Saudi riyal
- Region
- Middle East & North Africa
- Payments regulator
- Saudi Central Bank (SAMA)
Payment methods
| Type | Payment methods | share of e-commerce payments |
|---|---|---|
| Cards | mada | 55 % |
| Wallets | STC Pay | — |
| Cards | Visa | — |
| Cards | Mastercard | — |
| Wallets | Apple Pay | — |
| Wallets | Google Pay | — |
| Wallets | PayPal | — |
The market
Every Saudi bank account comes with a mada debit card, and mada is what people pay with online: about 55% of online payments by value (Saudi Payments, 2025), always with 3-D Secure and only in riyals. Visa and Mastercard credit cards cover the rest and the foreign shoppers; Apple Pay sits on top of both and is the normal way to pay on the phone. STC Pay, the wallet that grew out of the national telecom, reaches payers who prefer a wallet to a card and confirms in the app. Saudi Payments, a SAMA subsidiary, runs mada; SAMA licenses payment companies under its payment services rules, and a merchant’s provider holds that licence.
How Tranzify clients launch
Saudi Arabia is in the catalogue on request: a client asks for the Saudi integrations and enables HyperPay, PayTabs or Moyasar under its own contracts and licence. HyperPay and PayTabs cover mada, STC Pay, Visa and Mastercard, Moyasar mada and STC Pay, and Apple Pay rides the card routes; mada and STC Pay are enabled on a client’s request. The checkout shows mada first for Saudi BINs and Visa and Mastercard for foreign cards; routing by BIN picks the acquirer, and a decline cascades to the second one. mada recurring payments cover subscriptions. Every payment is journaled for five years, and the client’s system gets the final status by webhook.
mada and STC Pay
mada is a debit scheme: settlement in riyals at T+1, refunds back to the card, chargebacks under the scheme rules and no payout flow. STC Pay is confirmed by the payer in the wallet app and the provider reports it instantly. The Saudi providers in the catalogue are deposit and refund integrations, so withdrawals for a Saudi audience are planned with the provider rather than assumed.
Providers active in Saudi Arabia
How to launch here via Tranzify
- 1Onboard with Tranzify and get your network, keys and back office.
- 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
- 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
- 4Go live. Every payment, callback and retry is in the journal for five years.
Frequently asked questions
Which methods must a Saudi checkout have?+
Does Tranzify need a SAMA licence?+
How do payouts and settlement work in Saudi Arabia?+
Other countries in the region
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