Mada & SADAD payment gateway integration
Take payments the way Saudi customers actually pay — Mada cards and SADAD bills — wired into the system you already run, reconciled automatically, owned by you, hosted in-region.
What paying like a Saudi customer actually requires
Most Saudi consumers carry a Mada debit card, and a large share of recurring and B2B payments — utilities, government fees, invoices — settle through SADAD. A checkout that only takes international credit cards quietly excludes a big slice of the market and pushes customers to abandon. Supporting how people actually pay is not a nice-to-have; it is the difference between a completed sale and a dropped basket.
Done properly, this is a payments integration through a licensed payment service provider regulated under the Saudi Central Bank, not a raw card form. It involves tokenising card data so you never store raw PANs, running 3-D Secure for cardholder authentication, generating SADAD bills with the right biller and reference, listening to webhooks for asynchronous confirmations, and reconciling settlements back against your own records.
- Mada card payments — the national debit network, with 3-D Secure and tokenisation through a licensed provider.
- SADAD bills — generate bills with the correct biller code and reference for customers who pay through their bank.
- Webhooks and confirmations — handle asynchronous payment results cleanly, not by polling and hoping.
- Reconciliation — match settlements to orders and invoices automatically, so finance is not chasing a spreadsheet.
Payments wired into the system you already run
We build Mada and SADAD into the system where the money actually matters — your checkout, your ERP, or your AIMOCS operator — so a payment is captured, confirmed, and reconciled inside the flow that created it, not in a separate dashboard someone exports from later.
- Licensed PSP integration — connection through a payment service provider regulated under the Saudi Central Bank, with secure tokenisation and 3-D Secure.
- Inline checkout — Mada and SADAD offered alongside your other methods, in your own branded flow, not a jarring redirect to a stranger's page.
- Resilient confirmations — webhook handling with retries and idempotency, so a payment is never counted twice or silently lost.
- Automatic reconciliation — settlements matched to orders, invoices, and your ledger, ready for the books.
- In-region hosting — transaction records and logs in Riyadh or Jeddah, aligned to data-residency expectations.
Why integrate rather than redirect to a hosted page
A hosted payment page is the fastest thing to stand up, and it works until you want control. The moment you need branded checkout, payment status reflected instantly in your ERP, automatic reconciliation, or a clean audit of every transaction, the hosted page becomes a wall you cannot see past. Integrating Mada and SADAD into your own system keeps the data, the confirmations, and the reconciliation under your control.
Payments are also security-critical and rule-bound, so we treat the integration the same way we treat any production component: tokenised so you never hold raw card data, validated against the provider's sandbox, versioned, and hosted in-region with a full transaction trail. It is software you own and can prove the behaviour of, not a redirect you hope settles correctly.
Do we have to store card numbers to support Mada?
No — and you should not. Card data is tokenised through a licensed payment service provider, so your system holds tokens, never raw card numbers, which keeps your compliance surface small.
How is SADAD different from card payments?
SADAD is the central bill-payment system: you generate a bill with the correct biller code and reference, and the customer pays it through their own bank channel. We handle bill generation and the asynchronous confirmation back into your system.
Can payments reflect instantly in our ERP or store?
Yes — that is the point of integrating rather than redirecting. Payment status is captured and reconciled inside the flow that created the order or invoice, not in a separate dashboard.
Is the transaction data hosted in Saudi Arabia?
Yes. Transaction records and logs are hosted in-region (Riyadh/Jeddah) with a clean audit trail of every payment and settlement.
Do we own the integration?
Yes — you receive the source, configuration, and deploy pipeline. The Mada and SADAD layer is part of your system, integrated through a licensed provider you choose.
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