Are you looking for Payment Gateways for E-commerce Stores in Saudi Arabia? If Yes, You are at the right place.
Running an online store in Saudi Arabia? Then you already know how important it is to give your customers the payment options they prefer. Whether you’re just starting your e-commerce journey or scaling up, the payment experience can make or break a sale. That’s why choosing the right payment gateway is more than just a technical step. it’s a business decision that can boost trust, improve conversions, and simplify your daily operations.
In Saudi Arabia, shoppers love using mada, STC Pay, Apple Pay, and traditional cards. So if your checkout doesn’t support these, you might lose out on sales. To help you out, we’ve put together a list of the top payment gateways used in Saudi Arabia.
What are E-commerce Stores?
E-commerce stores are online platforms where businesses sell products or services to consumers via the internet. Unlike physical stores, e-commerce sites operate digitally, providing customers with the convenience of shopping from anywhere at any time. These platforms can range from large-scale marketplaces like Amazon and eBay to niche shops specializing in specific products. To ensure smooth and secure transactions, many store owners rely on trusted Best eCommerce Payment Gateways that cater specifically to online businesses and their unique needs.
What are Payment Gateways for E-commerce Stores?
For e-commerce stores, payment gateways are essential tools that facilitate the processing of online payments. They ensure that transactions are completed securely and efficiently, which is critical for maintaining customer trust and operational efficiency.
Payment gateways integrate with e-commerce platforms to provide a seamless checkout experience, allowing customers to make payments quickly and safely.
Payment Gateways for E-commerce Stores in Saudi Arabia
Saudi Arabia’s e-commerce market is growing rapidly, and businesses in the region are increasingly adopting digital payment solutions. Payment gateways in Saudi Arabia must cater to local needs, such as support for Saudi Riyal (SAR), compliance with local regulations, and integration with popular payment methods used in the Kingdom. Additionally, with the rise of mobile payments and digital wallets, payment gateways must adapt to accommodate these trends.
Top 10 Payment Gateways for E-commerce Stores in Saudi Arabia
Here are the list of Top 10 Payment Gateways for E-commerce Stores in Saudi Arabia…
1. HyperPay
HyperPay is one of the leading names in the Saudi payments space and for good reason. It’s a powerful, secure gateway built for businesses that need flexibility and speed. Whether you’re selling clothes, electronics, or services, HyperPay gives you access to local options like mada and STC Pay, along with international cards and wallets.
It also comes with strong security features, detailed reporting, and the ability to scale easily if your business grows fast. If you’re running a busy online store or working with large transaction volumes, HyperPay is a great fit.
Key Features:
- Accepts mada, Visa, Mastercard, Apple Pay, and more
- Advanced fraud prevention tools
- Seamless checkout experience
- Supports recurring payments
Pros:
- Strong support for Saudi banks and regulations
- Fast transactions and local settlement
- Easy integration with major e-commerce platforms
Cons:
- Pricing is not publicly listed
- Setup can be complex for small businesses
2. PayTabs
PayTabs is a homegrown Saudi solution built specifically for businesses in the region. What makes it great is how easy it is to get started. you can set it up quickly, and it works smoothly with platforms like Shopify, WooCommerce, and Magento.
It supports mada, STC Pay, and SADAD, plus Visa, Mastercard, and other global cards. If you want a local partner who understands how business is done in the Kingdom, PayTabs is a solid choice.
Key Features:
- Accepts mada, Visa, Mastercard, Amex, and STC Pay
- Integrates with Shopify, WooCommerce, Magento
- Offers e-invoicing and payment links
- Supports multi-currency processing
Pros:
- Trusted Saudi-based company
- Easy setup for e-commerce stores
- Good customer support and pricing
Cons:
- Some users report delayed settlements
- Limited tools for enterprise-level businesses
3. Tap Payments
Tap Payments has quickly gained popularity in the Gulf, especially with small to mid-sized businesses. It’s clean, modern, and works well out of the box. Tap supports all the local favorites like mada, STC Pay, and Apple Pay, as well as standard cards.
What really makes Tap stand out is how simple it is. If you’re not super tech-savvy, or you want something that just works without much hassle, this could be the one.
Key Features:
- Accepts mada, Visa, Mastercard, Apple Pay, STC Pay
- Integrates with Shopify, BigCommerce, and more
- Customizable checkout interface
- Detailed transaction reports
Pros:
- Clean dashboard and quick integration
- Strong local payment support
- Reliable for mobile payments
Cons:
- No public pricing
- Advanced features may require custom setup
4. MyFatoorah
If you’re running a small business, especially one on Instagram, TikTok, or WhatsApp, MyFatoorah could be a perfect match. It’s affordable, easy to set up, and lets you send payment links without needing a website.
It supports mada, Apple Pay, and international cards, and you can even use it through a mobile app. A lot of Saudi entrepreneurs use it because it’s straightforward and doesn’t require technical knowledge.
Key Features:
- Accepts mada, Apple Pay, STC Pay, Visa, Mastercard
- Offers payment links, mobile app, and invoicing
- Arabic dashboard and local language support
- Plugin support for WooCommerce, Magento, Shopify
Pros:
- Transparent and affordable pricing
- Fast integration and mobile access
- Tailored for Saudi market
Cons:
- Lacks complex enterprise features
- Reporting could be improved
5. Payfort (Amazon Payment Services)
Payfort, now known as Amazon Payment Services, is a big name in the region. It’s built for companies that need a strong, secure payment infrastructure, think large e-commerce sites or businesses working across multiple countries. It supports mada, SADAD, Visa, Mastercard, and more. What makes it powerful is the range of tools it offers, like fraud protection, analytics, and recurring payments.
Key Features:
- Accepts mada, Visa, Mastercard, SADAD, Apple Pay
- Strong fraud prevention tools
- Recurring payments and custom checkout
- Advanced analytics dashboard
Pros:
- Trusted by major regional enterprises
- Amazon-level infrastructure and support
- High security and compliance
Cons:
- Requires more time for onboarding
- Not ideal for small startups
6. STC Pay (as payment method + integration)
STC Pay isn’t a full payment gateway by itself, but it’s too important to ignore. With millions of users in Saudi Arabia, it’s one of the most common digital wallets in the country. Many of the gateways we mentioned like PayTabs, HyperPay, and Tap — offer STC Pay as a checkout option.
If you want to win over Saudi shoppers, especially on mobile, offering STC Pay is a smart move.
Key Features:
- Instant mobile wallet transactions
- QR-code based checkout
- High trust factor among Saudi consumers
- Seamless refunds and transaction tracking
Pros:
- Very popular with Saudi customers
- Fast payments and trusted brand
- Works well on mobile
Cons:
- Usually needs to be paired with another gateway
- Limited features if used independently
7. Paylink by Network International
Paylink is a simple solution that enables online payments via links without needing a full e-commerce website. It’s great for social sellers and small online shops.
Don’t have a website yet? No problem. Paylink lets you create payment links and send them via social media or messaging apps. It’s super helpful for freelancers, social sellers, and service providers. It supports mada, Visa, and Mastercard, and the links are easy to customize.
Key Features:
- Accepts mada, Visa, Mastercard
- No-code payment link system
- Arabic interface
- PCI-DSS compliant
Pros:
- Great for social media sales
- Easy to use, no website needed
- Trusted financial backing
Cons:
- Not for high-volume businesses
- Lacks advanced reporting tools
8. Geidea
Geidea is a Saudi fintech company that blends both online and offline payment tools. So if you run a physical store and an online store, you can manage everything in one place.
It supports all the usual payment options like mada, Apple Pay, Visa, and more and offers competitive rates for local businesses. Their customer support is also strong, which is great for business owners who need help setting things up.
Key Features:
- Accepts mada, Visa, Mastercard, Apple Pay
- eCommerce plugins and developer API
- Unified POS and online payment solutions
- 24/7 customer support
Pros:
- Strong local support and regulation compliance
- Great for hybrid (online + offline) businesses
- Competitive pricing
Cons:
- Not as well-known internationally
- Requires account verification for online gateway
9. Checkout.com
While Checkout.com is a global payment solution, it has a strong presence in the MENA region, including Saudi Arabia. It’s trusted by larger online brands.
If you’re a large or fast-growing business, Checkout.com could be a great fit. It’s a global gateway with a solid presence in the Middle East. It supports mada, Visa, Apple Pay, and lots of currencies. What stands out is how customizable and secure it is. you can build powerful payment flows tailored to your needs.
It’s trusted by big brands and startups alike, especially those aiming to scale regionally or globally.
Key Features:
- Supports mada, Visa, Mastercard, Apple Pay
- Real-time fraud monitoring
- Unified API for multiple payment methods
- Scalable for enterprise needs
Pros:
- Great for international expansion
- Powerful reporting and support
- Highly secure infrastructure
Cons:
- More suited for large businesses
- Pricing available upon request only
10. 2Checkout (now Verifone)
2Checkout is a global payment gateway used in Saudi Arabia mainly by businesses with international customers. It supports digital products, SaaS, and subscriptions. If you sell digital products or software, 2Checkout is worth a look.
It’s designed for global businesses and handles things like subscriptions, multi-currency billing, and international tax rules. It supports PayPal, Visa, and Mastercard but not mada or STC Pay, which limits its usefulness inside Saudi Arabia.
Key Features:
- Accepts cards in 200+ countries
- Localized checkout pages
- Recurring billing and multi-language support
- Strong fraud protection
Pros:
- Ideal for cross-border selling
- Easy setup for digital products
- International compliance
Cons:
- Higher fees than local gateways
- Limited support for mada and STC Pay
What to Look for in a Payment Gateway for Saudi Arabia
Before choosing a provider, keep these key factors in mind:
- Local Payment Support: Make sure the gateway supports mada, STC Pay, and SADAD — these are must-haves in the Saudi market.
- Multi-Currency Options: If you plan to sell internationally, choose a gateway that handles multiple currencies and automatic conversions.
- Integration with Platforms: If you’re using Shopify, WooCommerce, or Magento, check how easily the gateway can integrate.
- Mobile Optimization: Many Saudis shop on their phones, so your gateway should offer smooth mobile experiences, including support for Apple Pay.
- Arabic Language Support: Local language support (especially in the dashboard and customer communication) is a bonus.
- Customer Support: You’ll want a provider with reliable local support, especially if you’re new to e-commerce.
How to Choose the Best Payment Gateway for E-commerce Stores in Saudi Arabia?
Selecting the right payment gateway involves several considerations:
- Compatibility: Ensure the payment gateway integrates seamlessly with your e-commerce platform and other business systems.
- Transaction Fees: Compare the fees charged per transaction, setup fees, and monthly fees to find a solution that fits your budget.
- Security: Look for payment gateways that offer robust security features, such as encryption and fraud detection, to protect sensitive customer information.
- Customer Support: Choose a provider with reliable customer support to assist with any issues that may arise.
- Local Payment Methods: Ensure the gateway supports popular local payment methods and currencies, such as Saudi Riyal (SAR), to cater to Saudi customers effectively.
- Ease of Integration: Evaluate how easily the gateway can be integrated into your existing e-commerce infrastructure.
Benefits of Payment Gateways for E-commerce Stores in Saudi Arabia
- Enhanced Security: Payment gateways employ advanced security measures to protect against fraud and unauthorized transactions, safeguarding both merchants and customers.
- Increased Sales: By offering multiple payment options and a seamless checkout process, businesses can improve conversion rates and boost sales.
- Efficiency: Automating payment processing reduces manual tasks and streamlines operations, allowing businesses to focus on growth and customer service.
- Local Support: Payment gateways tailored to the Saudi market provide support for local payment methods and compliance with regional regulations.
- Customer Convenience: A smooth and secure payment experience enhances customer satisfaction, leading to repeat business and positive reviews.
FAQs
Can I Accept Mada Payments Through International Gateways Like Stripe or PayPal?
No. Most international gateways do not support mada, which is a local Saudi debit card system. You will need a local gateway like HyperPay, PayTabs, or Geidea to accept mada payments.
What’s the Cheapest Payment Gateway in Saudi Arabia?
Pricing depends on your transaction volume and required features. However, MyFatoorah and Tap Payments are known for offering affordable rates and clear pricing for small businesses.
How Long Does It Take to Get Approved for a Payment Gateway?
In most cases, local gateways in Saudi Arabia can approve your account within 1 to 5 business days, depending on the documents you submit and the type of business you operate.
Can I Use More Than One Payment Gateway in My Store?
Yes. Many e-commerce platforms allow you to integrate multiple gateways. This gives your customers more flexibility in how they choose to pay, such as offering both mada and Apple Pay at checkout.
Do I Need a Business License to Get a Payment Gateway in Saudi Arabia?
Yes. Most payment gateway providers will require a valid commercial registration (CR), VAT certificate, and a bank account under your business name.
Do These Gateways Work With Shopify, WooCommerce, and Magento?
Yes. Most of the top payment gateways in Saudi Arabia offer plugins or official support for popular platforms like Shopify, WooCommerce, and Magento. It’s always good to check compatibility before signing up.
Conclusion
The Saudi e-commerce market is growing fast, and shoppers expect convenient, local, and secure payment options. The best thing you can do as a store owner is choose a payment gateway that gives your customers confidence and keeps your checkout smooth. If you’re just getting started, look for gateways that offer local support, easy setup, and mada compatibility. As you grow, you might want to explore more advanced options with custom integrations and in-depth analytics.
