Saudi Arabia Payment Guide · 2025
Best Payment Gateways in Saudi Arabia for 2025
Saudi Arabia's e-commerce market is one of the fastest-growing in the world. We compared 25+ gateways on mada support, SAMA compliance, STCPay integration, and merchant fees.
Top 5 Payment Gateways for Saudi Arabia
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1. PayTabs — SAMA-compliant with full mada integration and Arabic support. Fee: 2.85% + SAR 1. Supports mada, Visa, Mastercard, STCPay, Apple Pay.
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2. HyperPay — GCC-specialist supporting all major Saudi payment methods. Fee: 2.5%–3.5%. Supports mada, Visa, Mastercard, Amex, STCPay.
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3. Checkout.com — Strong Saudi coverage with advanced fraud prevention tools. Fee: 1.5% + $0.20. Supports Visa, Mastercard, mada, Apple Pay, Google Pay.
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4. Tamara — Saudi Arabia's leading Buy Now Pay Later platform. Best for BNPL and retail conversion boost.
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5. Moyasar — Saudi-native gateway with straightforward onboarding. Fee: 2.25% + SAR 1. Supports mada, STCPay, Apple Pay.
Saudi Arabia Payment Gateway Requirements
- ✅ SAMA (Saudi Central Bank) regulatory compliance
- ✅ mada card network integration — essential for Saudi consumers
- ✅ STCPay wallet integration
- ✅ Arabic-first UI and customer support
- ✅ VAT invoicing (15% VAT applies to most transactions)
- ✅ IBAN settlement into Saudi bank accounts
Frequently Asked Questions
Is mada card support mandatory for Saudi Arabia?
Highly recommended. mada is the dominant debit card network in Saudi Arabia. Without mada support, you risk losing a significant share of local transactions.
Do I need SAMA approval to accept payments in Saudi Arabia?
Payment gateways themselves hold the regulatory licences. As a merchant, you sign up with a licensed gateway and they handle SAMA compliance on your behalf.