Checkout is the decisive moment
That is where the customer decides to complete the purchase or leave. Any friction there — a card declined with no clear reason, a missing instalment option, a slow page — means an abandoned cart and wasted marketing effort. We take the technical side of payments off your hands entirely.
Gateway integration over APIs
It always starts with the base: a payment gateway wired to your store properly through its APIs. We work with mada and with local and international card schemes through the gateways established in the Saudi and Gulf markets, and we verify that every operation — from capture through to refund — passes cleanly before launch.
Payment rails in the Saudi market
mada
The national card scheme — the widest-reaching payment rail inside the Kingdom.
Apple Pay
One-tap checkout that removes steps on mobile.
stc pay
A wallet licensed by the Saudi Central Bank.
Tabby
Instalments at checkout — lifts average basket value.
Tamara
A Saudi instalment provider licensed by the central bank.
Moyasar
A Saudi gateway with direct developer APIs.
Tap
A Gulf gateway supporting multiple currencies and methods.
HyperPay
A regional gateway for mid-to-large merchants.
We integrate the methods available to your store per your platform and provider agreement; final activation, terms and fees remain each provider's decision.
E-invoicing — where does your store sit in the integration waves?
The Zakat, Tax and Customs Authority mandated electronic invoices in two phases, then integration with the Fatoora platform in successive waves whose revenue threshold falls with each wave. Wave 24 — with a deadline of 30 June 2026 — covered taxpayers whose VAT-taxable revenue exceeded SAR 375,000 in any of 2022, 2023 or 2024, the lowest threshold to date, pulling a wide band of smaller stores into scope.
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2007
Electronic Transactions Law
Royal Decree M/18, 8/3/1428H
Gave electronic signatures and records legal force — the foundation of digital contracts and invoices in the Kingdom.
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2007
Anti-Cyber Crime Law
Royal Decree M/17, 8/3/1428H
Criminalised unlawful access and data interference — obliging stores to secure customer accounts and data.
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2019
E-Commerce Law
Royal Decree M/126, 7/11/1440H
The governing framework for online stores: provider disclosure, terms document, and a seven-day right of withdrawal.
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2021
E-Invoicing (Fatoora)
ZATCA — Phase 1 from 4 Dec 2021
Mandated electronic issuance, then phased integration with the Fatoora platform in successive waves.
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2021
Personal Data Protection Law
Royal Decree M/19 (9/2/1443H), amended by M/148 (5/9/1444H)
The first comprehensive personal-data framework, overseen by SDAIA, setting data-subject rights and controller duties.
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2024
Full PDPL enforcement begins
14 September 2024 — end of the grace period
The transition period ended and the Law and its two implementing regulations became fully enforceable on controllers.
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2026
Wave 24 of e-invoicing integration
ZATCA — deadline 30 June 2026
Covers taxpayers whose VAT-taxable revenue exceeded SAR 375,000 in 2022, 2023 or 2024 — the lowest threshold to date, pulling a wide band of small stores into scope.
What this pillar covers
Gateway integration
A correct API integration, with the full payment path tested from capture to refund before launch.
Reducing friction
Diagnosing declined transactions, simplifying checkout steps, and enabling one-tap payment on mobile.
E-invoicing
Configuring XML invoice issuance with digital signature and QR code, and integration with Fatoora according to your wave.
Transaction security
Card data never passes through our servers; it is processed directly by the licensed gateway.
Reconciliation
Linking the payment ledger to accounting to reduce the discrepancies discovered late at month end.
Instalments
Enabling buy-now-pay-later options and placing them at the right point in the purchase path.
Frequently asked
There is no single answer. It depends on your activity, transaction volume, the currencies you sell in, and your platform. We compare the options available to you with numbers in the diagnostic session
No. Accepting a business and setting its fees is the gateway's and the acquirer's decision. We help you prepare the file and reduce the chance of refusal
With the threshold in recent waves falling to SAR 375,000, a wide band of small businesses has entered scope. Check your wave with the Authority, and we handle the technical side
Never. Card data is processed directly by the licensed gateway and does not reach our servers
Inspect the payment path before your customer does
One broken checkout experience costs more than a month of advertising.