Saudi Payment Gateway Comparison 2026
Compare documented payment methods, Saudi provider status, settlement information, and the terms you must confirm — then build a provider shortlist for your store.
Build My ShortlistWhich payment gateway should a Saudi business use in 2026?
Do not pick a Saudi payment provider from a generic ranking. First verify your entity and acquiring route, then required methods such as Mada, STC Pay, and Apple Pay, then compare written fees, settlement, reserves, refunds, support, and integration scope. HyperPay, Moyasar, and Tap appear on SAMA's current payment-provider list; other providers in this comparison may use bank-acquirer or gateway-only models.
- Verify the exact contracting, licensed, and acquiring legal entities — a brand name alone is not enough.
- Treat fees, reserves, settlement, and activation as merchant-specific until the provider confirms them in writing.
- Evaluate Tabby and Tamara from current contracts and your own checkout data, not unsupported market averages.
Saudi Payment Gateway Finder
Four questions, one vendor-neutral provider shortlist. Every result still requires written onboarding, pricing, and settlement confirmation.
1.What is your store built on (or planned on)?
2.Which best describes the business?
3.What matters most to you?
4.Do you want Buy-Now-Pay-Later (Tabby / Tamara)?
Answer all four questions to see your shortlist (0/4).
This tool does not rank providers. Verify eligibility, the regulated or acquiring entity, enabled methods, current commercial terms, and settlement in writing before signing. Ijjad integrates third-party payment processors for custom builds only.
Last reviewed by Karam Abdalqader
The full comparison matrix
Official SAMA and provider sources were checked on 16 July 2026. Where a fee, settlement term, method, or onboarding decision depends on the merchant agreement, the table says to confirm it directly rather than publishing an estimate. See SAMA's current licensed payment-provider list.
| Gateway | Mada | STC Pay | Apple Pay | Commercial terms | Settlement information | Saudi status | Platform setup | Official sources |
|---|---|---|---|---|---|---|---|---|
| HyperPay | Supported | Supported | Supported | Confirm the current merchant quote directly; HyperPay says pricing depends on registration country. | Defined by the merchant agreement and acquiring bank; confirm the schedule in writing. | Listed by SAMA as a licensed Electronic Money Institution. | Provider documentation and sample integrations are available; timing depends on platform, account approval, and scope. | |
| Moyasar | Supported | Supported when enabled | Supported when enabled | Confirm the current merchant quote directly; Moyasar now directs businesses to sales for pricing. | Official documentation says the default aggregation is twice weekly, Monday and Thursday; the contract may differ. | Listed by SAMA as a licensed Payment Institution. | Official docs cover a hosted form, API, mobile SDKs, and plugins; activation requirements vary by method. | |
| Tap Payments | Supported; activation required | Supported; activation required | Supported | Confirm the current package and merchant contract directly. | Tap says Saudi payouts are three working days for Mada and five working days for Visa/Mastercard; contract terms may vary. | Listed by SAMA as a licensed Payment Institution. | Provider integrations are available; confirm the exact product and country coverage for the intended platform. | |
| PayTabs | Supported through a Saudi acquiring-bank setup | Supported | Supported | No verified public Saudi gateway rate card was found; request a current written quote. | For Mada, PayTabs says funds settle through the supported Saudi acquiring bank; confirm that bank's schedule. | PayTabs describes itself as the platform provider for Mada while a supported Saudi bank supplies the merchant account. A SAMA licence under the PayTabs brand was not verified. | Payment methods and modules are documented, but availability depends on merchant country, bank approval, and account activation. | |
| Checkout.com | Gateway-only; direct local-provider contract required | Gateway-only | Supported | Tailored pricing; Checkout.com says flat-rate and interchange-plus structures are available. | Confirm with Checkout.com and the local provider/acquirer for the proposed account structure. | Official Mada and STC Pay pages describe a gateway-only model. A SAMA licence under the Checkout.com brand was not verified. | Implementation depends on the Checkout.com product plus the required local-provider contract. | |
| Amazon Payment Services | Supported | Supported | Supported | Confirm a current written quote directly; no verified universal Saudi rate applies to every merchant. | Amazon Payment Services says the standard Saudi settlement is one to two business days, subject to the signed agreement and acquirer. | Official documentation describes Saudi acquiring-bank relationships. A SAMA licence under the Amazon Payment Services brand was not verified. | Official API documentation covers the three listed methods; activation and acquiring-bank requirements apply. | |
| MyFatoorah | Supported; account agreement applies | Supported; account agreement applies | Supported; account agreement applies | Fees and commissions are defined by the service offer and contract; confirm the current quote directly. | Saudi terms say settlement is usually within 24 business hours or the next business day; the agreement controls. | SAMA lists an entity named Fatoraah. Confirm in writing that the contracting MyFatoorah legal entity is the listed licensee; the brand-to-entity mapping was not established in this review. | Official docs describe multiple integration paths; exact payment methods depend on the account agreement. | |
| Stripe | No native Mada payment method documented | No native STC Pay payment method documented | Supported for eligible Stripe accounts | Pricing is account-country and payment-method specific; confirm on the eligible account's local pricing page. | Country- and account-specific; there is no verified universal Saudi payout schedule. | Saudi Arabia is not listed as a supported country for opening a standard Stripe Payments account. | Only evaluate Stripe if the business has an eligible entity and account in a supported country. |
Researching or writing about Saudi payments? Download the full Saudi Payment Gateway Comparison 2026 dataset (CSV) — including the Tabby/Tamara BNPL layer and official source URLs. Free to reference with attribution to Ijjad.
When to shortlist / what to verify
These are screening conditions, not rankings. A provider stays on the shortlist only if it confirms eligibility, the regulated and acquiring entities, the required methods, and current commercial terms.
For the full deep-dives — checkout architecture, webhook patterns, 3DS2, ZATCA invoicing handoff, and the BNPL playbook — read the complete payment gateway integration guide.
HyperPay
Shortlist when: You need a SAMA-listed provider with documented Mada, STC Pay, and Apple Pay support.
Confirm before signing: Written blended rate, acquiring bank, reserves, chargebacks, settlement calendar, and enabled payment methods.
Moyasar
Shortlist when: You need a SAMA-listed Saudi provider with documented Mada, STC Pay, and Apple Pay integrations.
Confirm before signing: Current quote, exact settlement cycle, enabled methods, refunds, reserves, and platform compatibility.
Tap Payments
Shortlist when: You need a SAMA-listed provider with documented Saudi local-payment support and may also operate in other supported GCC markets.
Confirm before signing: Country coverage, whether one contract covers every entity, current fees, payout calendar, and method activation.
PayTabs
Shortlist when: You want to evaluate its hosted gateway and have a Saudi acquiring bank confirm eligibility and settlement.
Confirm before signing: Licensed/acquiring legal entity, bank MID, method availability, all fees, reserves, chargebacks, and settlement timing.
Checkout.com
Shortlist when: You need gateway orchestration and can contract separately with the required Saudi local provider.
Confirm before signing: Local provider and acquiring entity, supported methods, pricing model, settlement flow, reserves, and integration scope.
Amazon Payment Services
Shortlist when: You can obtain the required Saudi acquiring setup and need documented Mada, STC Pay, and Apple Pay support.
Confirm before signing: Acquiring bank, local MID requirements, exact fees, reserves, settlement schedule, and enabled methods.
MyFatoorah
Shortlist when: You need its documented payment methods and can verify the contracting entity, licence, and commercial terms.
Confirm before signing: Contracting legal entity, SAMA licence mapping, fees, settlement calendar, reserves, refunds, and enabled methods.
Stripe
Shortlist when: Your eligible foreign entity can use Stripe and native Mada, STC Pay, and Saudi-local settlement are not requirements.
Confirm before signing: Account-country eligibility, accepted card routes, payout country, fees, and the absence of native Saudi local methods.
Frequently Asked Questions
What is the best payment gateway in Saudi Arabia in 2026?
Why should a Saudi store evaluate Mada support?
Can I use Stripe in Saudi Arabia?
Do I need my own SAMA licence to accept payments?
Should I add Tabby, Tamara, or both?
How long does payment gateway integration take?
How was this comparison verified?
Further reading
Related guides and case studies
Payment Gateway Integration Saudi Arabia: Mada, STC Pay, Tabby (2026)
A 2026 buyer's guide to Saudi payment-gateway integration: compare payment methods, platform fit, onboarding, settlement, support, compliance questions, and custom-build implementation needs.
Read the guide→Salla vs Zid vs Shopify for Saudi Retailers (2026 Honest Comparison)
Salla vs Zid vs Shopify for Saudi e-commerce in 2026 — three-way decision matrix. Saudi-native platforms vs international standard. Audience reach, customisation depth, launch speed, ZATCA handling, and which fits which Saudi retailer profile.
Read the guide→Shopify vs WooCommerce for Saudi Retailers (2026 Honest Comparison)
Shopify vs WooCommerce for Saudi e-commerce in 2026 — Mada/STC Pay integration depth, Tabby and Tamara native BNPL, ZATCA Phase 2 e-invoicing, scope band by catalog size, and the operational reality of running each in KSA.
Read the guide→