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. SAMA's payments register held 33 licensed entities on 10 September 2026 (14 Electronic Money Institutions, 19 Payment Institutions), each with a licence expiry date; HyperPay, Moyasar and Tap are on it, while 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.
See the approach in Ijjad's anonymized first-party e-commerce case.
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
The original provider sources were checked on 16 July 2026 and the SAMA register was re-read on 10 and 13 September 2026. SitesWay and Matajer published offers were checked again on 4 October 2026; other source dates remain unchanged. These are provider offers, not a market average or an Ijjad quote. 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.
Scroll sideways to compare all payment methods and terms.
| 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 on the SAMA payments register as Hyperpay Inc Saudi Information Systems Technology Company, an Electronic Money Institution with licence expiry 29/12/2029 (register read 10 September 2026). | 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 on the SAMA payments register as Moyasar Financial, a Payment Institution with licence expiry 13/01/2030 (register read 10 September 2026). | 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 on the SAMA payments register as Tap Financial, a Payment Institution with licence expiry 04/09/2029 (register read 10 September 2026). | 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. | The SAMA payments register lists an entity named Fatoraah as a Payment Institution with licence expiry 17/06/2030 (register read 10 September 2026). Confirm in writing that the contracting MyFatoorah legal entity is that 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. | |
| SitesWay | Listed at 1% on the SAR 99/month Standard Plan (pricing page read 4 October 2026) | Not stated on the pricing page; confirm with the provider | Listed under mobile payments with Google Pay | Published: SAR 99/month with 1% on mada and 2.50% + SAR 1 on credit cards; the page says setup fees may apply depending on your merchant bank. | Not stated on the pricing page; confirm the schedule in writing. | Not listed under the SitesWay name on the SAMA payments register (register read 13 September 2026); ask which licensed entity acquires your transactions. | The pricing page lists e-commerce platform integration and API access; timing depends on account approval. | |
| Matajer store payments (via Tap) | Listed at 1.75% + SAR 1 per transaction for stores on the Matajer platform (payment page read 4 October 2026) | Not stated on the payment page; confirm with Matajer or Tap | Listed as activated for free | Published: no setup or monthly fee; 1.75% + SAR 1 on mada and 2.75% + SAR 1 on Visa and Mastercard; available only to stores built on the Matajer platform. | The payment page gives conflicting Mada settlement periods of 3 and 5 working days. Card settlement is unclear; confirm both schedules in writing. | Matajer is a store-builder platform whose payment page names Tap as its partner. Tap Financial is listed as a Payment Institution in the SAMA register read 10 September 2026; confirm the contracting and acquiring legal entities. | Activated from the Matajer dashboard with a commercial registration or freelance document and a bank account; not available to stores on other platforms. |
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.
What the official sources show
Read on the source on 10 September 2026. Each figure changes a verification step, and each link opens the record it came from.
33 entities
were on the SAMA payments register: 14 Electronic Money Institutions and 19 Payment Institutions
The register offers three activity-type filters (Payment Institution, Electronic Money Institution, E-commerce Payment Services) and shows each company's unified number and licence expiry date. Match the legal name in your contract to a row here, then check that the expiry runs past your launch.
29/12/2029
is the licence expiry shown for HyperPay, listed as Hyperpay Inc Saudi Information Systems Technology Company (EMI)
Moyasar appears as Moyasar Financial (Payment Institution, expiry 13/01/2030), Tap as Tap Financial (Payment Institution, expiry 04/09/2029) and Geidea as Geidea for Technology (Payment Institution, expiry 04/11/2030). Fatoraah, the entity to reconcile against the MyFatoorah brand, is a Payment Institution with expiry 17/06/2030.
Source: SAMA payments register rows
Since 1990
mada has been a national payment system owned by the Saudi Central Bank
SAMA describes mada as reaching customers through point-of-sale devices and ATMs as well as e-commerce sites, all linked to one central system that routes each transaction to the card issuer within seconds. Mada acceptance is therefore a question for the acquirer and the gateway, not a card-scheme add-on.
Middle East
is the Apple Pay availability section that lists Saudi Arabia and Jordan
The same section names Bahrain, Israel, Kuwait, Oman, Palestine, Qatar, the United Arab Emirates. Iraq is absent. A gateway can only pass Apple Pay through if the merchant account, the acquirer and the card issuer all support it, so verify the method on your own account rather than on the brand page.
Source: Apple Support: Countries and regions that support Apple Pay (updated 9 September 2026)
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. If a term on this page is unfamiliar, the Saudi and GCC digital, payment and compliance glossary defines mada, SADAD, SAMA licensing, ZATCA phases, and the rest in plain language.
Two related reads before the quotes arrive. The Saudi payment gateway fees table sets out the last publicly listed card rates and the SAMA-regulated in-store mada cap, a starting range rather than a quote. The small-business payment options guide covers payment links, POS and wallets for a business that may not need a gateway at all. If the gateway is one part of a store build, our custom e-commerce development in Saudi Arabia page describes the wider scope.
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.
SitesWay
Shortlist when: You want a published rate card to hold against negotiated quotes and can confirm the licensed acquirer behind the service.
Confirm before signing: The licensed acquiring entity, setup fee from the merchant bank, STC Pay availability, settlement schedule, refunds and chargebacks.
Matajer store payments (via Tap)
Shortlist when: Your store runs on Matajer and you want a published rate with no fixed monthly fee.
Confirm before signing: Whether the rates apply to your plan, STC Pay availability, refund handling, and the Mada and card settlement schedules in writing.
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?
Still deciding between gateways?
Tell us what you sell and where you settle, and we will map the shortlist against your ZATCA, mada, payout requirements before you sign anything.
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Further reading
Related guides and case studies
Payment Gateway Integration Saudi Arabia: Mada, STC Pay, Tabby (2026)
Saudi payment-gateway integration: provider verification, checkout architecture and order reconciliation, with a worked example for closed browsers, duplicate notifications and partial refunds.
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→