Payment Gateway Fees in Saudi Arabia (2026): Published Rates

Choose on the total monthly cost for a platform you can actually use. A lower mada percentage can lose to a monthly fee on a small store; a platform-specific rate cannot be assumed to apply to your custom website.

This review uses the providers’ own pages, read on 4 October 2026. Ijjad builds websites and payment integrations; the provider determines your acceptance terms.

Saudi payment gateway fees: published rate table

These offers are useful reference points when requesting a quote. They are not interchangeable products. Compare other providers’ method support and Saudi status in our Saudi payment gateway comparison.

SitesWay’s pricing page states the same rates in its plan, comparison table and fee FAQ. Obtain confirmation of the Standard Plan in writing; the pricing page does not specify payout timing.

Matajer lists mada settlement within 3 working days. Below its Visa/Mastercard rate, a second line says 5 working days but repeats the word “Mada.” Ask which method that second timing applies to before relying on it.

For a custom store, take these numbers to shortlisted providers as comparison examples. Ask for an eligible quote with the payment method, fixed transaction charge, account cost and tax treatment itemized. Do not budget from an old Moyasar rate or convert a foreign Stripe rate into an assumed Saudi tariff.

What the rates mean at your order volume

The calculations below are illustrative stores, not client results. Each assumes an average order of SAR 150, with 70% of both revenue and orders on mada and 30% on cards. They use only the transaction and monthly payment charges in the table, excluding tax, platform subscriptions, setup and other contract charges.

For the SAR 30,000 example, SitesWay costs SAR 210 on mada, SAR 285 on cards and SAR 99 monthly. Matajer payments cost SAR 507.50 on mada and SAR 307.50 on cards. At the lower volume, the monthly payment charge reverses the ordering.

Online mada and in-store mada have different fee rules

SAMA’s in-force circular 391000075005, dated 18 March 2018, caps the e-commerce merchant service charge paid to the acquiring bank at 1.75% per purchase. It states no monetary ceiling. Ask your provider to identify the acquiring charge and any separate service fees; do not assume every charge on a gateway invoice has the same regulatory treatment.

For in-store payments, Table 2 of SAMA’s mada business rules gives the normal POS merchant commission maximum as 0.80%, subject to a SAR 40 cap. That POS cap is not the price to use in an online-store projection.

Apple Pay and STC Pay need a line on the quote

Apple Pay uses a supported card. Apple’s merchant payment-sheet guidance says it does not charge implementation fees for enabling that feature. That does not make your processor’s transactions free. Ask how it prices mada and international cards inside Apple Pay, and whether enabling the wallet changes your account charges.

For STC Pay or an STC Bank-labelled method, confirm the supported product in the provider’s current documentation and request its own rate. A method name in a plugin is not a guarantee that your merchant account can accept it. The Saudi payment integration guide covers the platform and onboarding checks.

Tabby and Tamara merchant fees come from your contract

Tabby’s business pricing explanation describes a merchant-specific variable commission plus a fixed order fee, documented during application. The Saudi help URL redirects to this UAE-labelled explanation; it supplies no Saudi percentage to apply to your store.

Tamara’s merchant terms place applicable fixed and variable fees in the onboarding form. Section 3.9 allows retention of Tamara fees on refunded transactions. Use your merchant contract’s rate in the cost calculation.

For an illustration only, a quoted 5% with no fixed fee would cost SAR 20 on a SAR 400 order. That assumption is not a Tabby or Tamara offer. Assess BNPL using the contribution left after its quoted fees and returns; a higher checkout completion rate can still leave less profit.

Settlement and refunds can change the cheaper offer

Use the date funds reach your bank in the cash-flow forecast. Ask whether the schedule counts working days and how payout thresholds affect a new store. Get the first-payout terms separately from routine payouts.

Illustrative cash-flow calculation: at SAR 5,000 of sales per processing day, an additional four-day delay puts SAR 20,000 more sales in transit before fees. It is a timing difference, not money permanently lost. Weekends, sales variation and reserves can change the actual balance waiting for payout.

Request the refund rules in writing: which original fees are returned, whether issuing a refund has a separate charge, and whether partial refunds work through your integration. Also ask for foreign-card and currency-conversion charges, dispute fees and any low-volume minimum. Compare VAT-inclusive totals as quoted by the provider rather than adding tax to every line by assumption.

Requesting a payment quote

Building the checkout around the quote

Start with your platform and required payment methods, then compare eligible offers at your expected order volume. If a hosted platform meets your store’s needs, its bundled offer may be sufficient. A custom checkout needs its own acceptance quote, tested payment callbacks and payout reconciliation.

Our Saudi e-commerce development service covers the website and integration. In an anonymized first-party Jeddah e-commerce case, Ijjad reports a +340% conversion-rate lift after a broader rebuild. That outcome is not independently audited and cannot be attributed to gateway selection alone. The Jeddah case study explains the reported scope and limits.

For business-model and method support, use the gateway comparison and finder. For payment links or physical sales, use the small-business payment options guide.