Saudi Arabia’s digital payment ecosystem has undergone a remarkable transformation, propelled by Vision 2030’s ambitious vision of establishing a cashless society. The numbers tell a compelling story: e-commerce transactions via Mada cards surged to SR197.42 billion ($52.64 billion) in 2024, representing a robust 25.82% year-on-year increase. This explosive growth has created unprecedented opportunities for businesses, but success hinges on selecting the right payment infrastructure. Whether you’re considering a white label payment gateway solution or a traditional provider, understanding your options is crucial. Here are the seven best payment gateways operating in Saudi Arabia in 2025.
1. PayTabs
PayTabs has established itself as one of Saudi Arabia’s most trusted payment gateways, purpose-built for Middle Eastern businesses. Since its founding in 2014 and headquartered in the Kingdom, PayTabs has achieved impressive scale, processing over a billion dollars annually across the MENA region. The company projects reaching SAR200 billion (~$53 billion) in payment processing volumes by 2025, underscoring its market dominance.
Key Features:
PayTabs supports over 160 currencies with remarkably quick setup — businesses can go live within 24 hours. The platform integrates seamlessly with major e-commerce platforms including Magento, WooCommerce, Shopify, and PrestaShop, making implementation straightforward regardless of your existing tech stack.
In 2025, PayTabs launched “PayTabs Prime AI,” an AI-powered payment platform featuring intelligent routing, personalized payment flows, and enhanced fraud detection. This represents a significant leap forward in payment optimization technology. The gateway supports multiple payment methods including credit cards, debit cards, Mada, STC Pay, Apple Pay, and various alternative payment options.
Transaction Fees: 2.85% + $0.27 for transactions over $2,000
Best For: Businesses seeking a trusted local payment gateway with extensive currency support and advanced AI-driven features that comply with SAMA regulations.
2. Akurateco
Akurateco offers a sophisticated white-label payment gateway and orchestration platform specifically designed for payment service providers and businesses operating in Saudi Arabia. Unlike traditional payment gateways, Akurateco provides the infrastructure for companies to launch their own branded payment solutions, making it particularly valuable for enterprises and fintech firms looking to control their payment stack.
The company has successfully deployed its payment infrastructure to comply with Saudi Arabian Monetary Authority (SAMA) regulations, including stringent data localization requirements through on-premises hosting on Oracle Cloud. This commitment to regulatory compliance sets Akurateco apart in a market where adherence to local rules is non-negotiable.
Key Features:
Akurateco’s white-label payment software allows full platform rebranding capabilities for partners, enabling businesses to present payment solutions under their own brand. The platform’s intelligent payment routing and cascading logic can optimize transaction success rates by up to 20%, directly impacting revenue for high-volume operations.
Local payment method support is comprehensive, including Saudi Payments, STC Pay, Riyadh Bank integrations, and Mada card processing. The platform maintains SAMA certification and PCI DSS Level 1 compliance, meeting the highest security standards in the industry.
Network tokenization technology enhances security and reduces fraud risk, while the platform aggregates over 500 global and local payment integrations under one unified interface. Advanced features include automated merchant onboarding, recurring payments, one-click payments, and built-in analytics dashboards.
In 2025, Akurateco partnered with DineroPay to launch advanced mobile wallet solutions including Apple Pay and Google Pay tailored specifically for the Saudi Arabian market. This collaboration resulted in successful on-premises payment infrastructure deployment ensuring full SAMA compliance.
For businesses wondering how to build a payment gateway from scratch, Akurateco’s white-label solution provides a turnkey alternative that dramatically reduces time-to-market while maintaining full customization capabilities.
Best For: Payment service providers, enterprises, and fintech companies requiring a comprehensive, fully customizable white-label solution with advanced orchestration capabilities and SAMA-compliant infrastructure.
3. HyperPay
HyperPay has established itself as the fastest-growing payment services provider in the MENA region since its founding in 2014. Licensed by the Saudi Central Bank (SAMA) to provide e-wallet solutions, HyperPay has formed strategic partnerships with Mastercard and major Saudi institutions to transform the region’s business payments landscape.
Key Features:
One of HyperPay’s standout features is its T+1 settlement times, enabling faster cash flow management — a critical advantage for businesses operating on tight margins. The platform supports all major payment methods including Mada, Visa, MasterCard, Amex, Apple Pay, STC Pay, SADAD, and Tabby.
Advanced AI-driven payment solutions, showcased at Seamless Saudi Arabia 2024, demonstrate HyperPay’s commitment to innovation. Automatic 3D Secure integration enhances transaction security without adding friction to the checkout experience. Multi-currency processing comes standard, with real-time transaction monitoring providing visibility into payment performance.
Transaction Fees: 2.85% + 0.30 SAR
Best For: High-volume businesses requiring fast settlements, advanced security features, and comprehensive support for both local and international payment methods.
4. Tap Payments
Tap Payments has emerged as a leading fintech provider in the GCC region, earning certification from Saudi Arabia’s national Mada payment network in 2023. This milestone positioned Tap as one of the pioneering fintech firms to develop proprietary payment gateway technology certified by Mada.
Key Features:
Tap Payments offers instant account setup and activation with fast onboarding that gets businesses live in days rather than weeks. High transaction acceptance rates are achieved through support for all local, regional, and global payment methods accessible through a single API.
The platform maintains PCI DSS Level 1 compliant service provider status, representing the highest level of security certification. Card tokenization capabilities allow secure storage of card information for recurring payments, making Tap ideal for subscription-based business models. Multi-currency support includes SAR, USD, AED, and more.
Transaction Fees: 2.85% + 0.30 SAR
Best For: SMEs and startups needing a user-friendly payment solution with rapid deployment, strong local compliance, and subscription payment capabilities.
5. Moyasar
Moyasar launched the Moyasar Payment Gateway (MPG) in 2025 as one of the most advanced gateways in Saudi Arabia’s local market. MPG became one of the first gateways fully prepared to comply with the new e-commerce payments interface announced by the Saudi Central Bank (SAMA).
Key Features:
Moyasar distinguishes itself as the first gateway in Saudi Arabia offering a full suite of integrated capabilities including recurring payments across all networks. Seamless Apple Pay and Samsung Pay support comes standard, along with advanced authorization and capture functionality.
The fully localized infrastructure delivers unmatched response times, a critical factor for conversion optimization. Native integration with the new e-commerce payments interface launched by Saudi Payments ensures future-proof compliance. The easy-to-use API with comprehensive documentation reduces developer friction, while transparent pricing provides predictable cost structures.
Transaction Fees: 1.5% + 1 SAR for Mada cards; 2.2% + 1 SAR for other transactions
Best For: Saudi-based businesses seeking cutting-edge technology with full SAMA compliance, particularly enterprises requiring recurring payment capabilities and superior performance.
6. Amazon Payment Services (Payfort)
Amazon Payment Services, formerly Payfort, was acquired by Amazon in 2017 and officially launched across Saudi Arabia as part of its MENA expansion in 2020. The service obtained licensing from the Saudi Arabian General Investment Authority (SAGIA) in 2018, becoming the first foreign payment services operator to receive such authorization.
Key Features:
Amazon Payment Services provides flexible payment options including credit/debit cards, digital wallets, and bank transfers. Installment plans enable customers to pay in monthly installments through various local and international banks, addressing a key consumer preference in the region.
Frictionless checkout for repeat customers reduces authentication steps without compromising security. Real-time transaction monitoring includes the ability to block specific card BINs, providing granular control over fraud prevention. High-end fraud protection measures reduce chargebacks and false positives, while PCI-certified, end-to-end secure systems protect data storage.
Best For: Businesses seeking a globally recognized brand with comprehensive payment solutions, particularly those handling large transaction volumes or requiring installment payment options.
7. Checkout.com
Checkout.com operates as a global payment gateway with significant traction in Saudi Arabia, offering highly customizable payment solutions supporting over 150 currencies. The platform was the first payment solutions provider to accept payments via Mada and maintains unique positioning to provide local expertise for Middle Eastern markets.
Key Features:
Checkout.com’s support for Mada — Saudi Arabia’s domestic payment network with 30 million debit cards in circulation — gives it strong local credentials. The platform accepts STC Pay, Apple Pay, Google Pay, Tamara, and Tabby, covering the full spectrum of payment preferences.
With over one billion transactions routed through the Mada network annually via Checkout.com, the platform handles enterprise-scale volumes with reliability. Advanced analytics and reporting tools enable payment optimization, while multi-currency processing provides global reach across 30+ countries.
Best For: Established businesses and enterprises with high transaction volumes seeking a global payment solution with strong local Saudi payment method support and advanced analytics capabilities.
Choosing the Right Payment Gateway
When selecting a payment gateway in Saudi Arabia, businesses should evaluate several critical factors:
Regulatory Compliance: All payment gateways must comply with Saudi Arabian Monetary Authority (SAMA) regulations, including data localization requirements, PCI DSS certification, and adherence to anti-money laundering (AML) policies. Non-compliance can result in operational shutdowns and substantial penalties.
Local Payment Methods: Support for Mada (the national payment network), STC Pay, Apple Pay, and emerging buy-now-pay-later services like Tamara and Tabby is essential for maximizing conversion rates. Saudi consumers show strong preferences for local payment methods.
Transaction Fees: Most gateways charge between 1.5-2.85% plus a fixed fee per transaction. Mada transactions typically carry lower fees (0.8-1.5%) compared to international card schemes, making local payment method support financially advantageous.
Settlement Speed: Leading providers like HyperPay offer T+1 settlements to Saudi Riyal accounts, which is crucial for cash flow management, especially for smaller businesses operating with limited working capital.
Integration Capabilities: Easy integration with popular e-commerce platforms like Shopify, WooCommerce, and Magento reduces implementation time and technical complexity, accelerating time-to-market.
Conclusion
The Saudi payment gateway market continues to evolve rapidly, with electronic payments now accounting for 79% of all retail transactions in 2024, up from 70% in 2023. This growth trajectory, supported by Vision 2030 initiatives and SAMA’s new e-commerce payments interface launched in July 2024, creates a favorable environment for businesses adopting modern payment solutions.
Whether you choose an established local provider like PayTabs, a white-label platform like Akurateco, or a global solution like Checkout.com, the key is selecting a gateway that aligns with your business model, transaction volumes, and growth ambitions. The right payment gateway doesn’t just process transactions — it becomes a strategic asset that drives conversion, reduces fraud, and enhances customer experience in one of the world’s most dynamic digital economies.
