# Payment Gateways in Saudi Arabia for Transfer Firms

> mada, Apple Pay, STC Pay, Tabby and cards for transfer and Umrah bookings in Saudi Arabia: Tap, Moyasar, MyFatoorah, Stripe and Airwallex in TransferArc.

https://www.transferarc.com/countries/saudi-arabia

In Saudi Arabia a gateway without mada loses most local customers. Tap Payments, Moyasar and MyFatoorah all take mada, Apple Pay and cards in TransferArc, next to ZATCA-ready invoicing.

## In short

- Five gateways work in TransferArc for Saudi Arabia: Tap Payments, Moyasar and MyFatoorah (local), plus Stripe and Airwallex.
- All three local gateways take mada and Apple Pay; STC Pay through Tap and Moyasar; Tabby through Tap and MyFatoorah.
- Stripe and Airwallex do not open accounts for Saudi companies.
- PayPal is not available because PayPal does not accept SAR.

## How Saudi Arabia pays

- **Currency**: Saudi riyal (SAR)
- **National debit network**: mada
- **Phone payments**: Apple Pay, STC Pay
- **E-invoicing**: ZATCA (Fatoorah)

mada is the national debit network that connects Saudi bank cards, and paying with a mada card through Apple Pay is common. A gateway that only takes Visa and Mastercard misses much of the domestic market.

Saudi transfer companies also issue ZATCA e-invoices. TransferArc links the two: the paid booking produces a compliant invoice and a ledger entry. See [TransferArc in Saudi Arabia](https://www.transferarc.com/saudi-arabia).

## Payment gateways for Saudi Arabia in TransferArc

- **Tap Payments** (Local gateways): Visa, Mastercard, American Express, mada, STC Pay, Apple Pay, Google Pay, Tabby (pay later). Companies registered here can open an account. https://www.transferarc.com/payment-gateways/tap-payments
- **MyFatoorah** (Local gateways): Visa, Mastercard, American Express, Apple Pay, mada, Tabby (pay later). Companies registered here can open an account. https://www.transferarc.com/payment-gateways/myfatoorah
- **Moyasar** (Local gateways): mada, Visa, Mastercard, American Express, STC Pay, Apple Pay, Samsung Pay. Companies registered here can open an account. https://www.transferarc.com/payment-gateways/moyasar
- **Stripe** (International gateways): Visa, Mastercard, American Express, Apple Pay, Google Pay. Needs an account registered in a country the gateway serves. https://www.transferarc.com/payment-gateways/stripe
- **Airwallex** (International gateways): Visa, Mastercard, American Express, Apple Pay, Google Pay, Alipay, WeChat Pay. Needs an account registered in a country the gateway serves. https://www.transferarc.com/payment-gateways/airwallex

## Where online payment helps Saudi operators

- **Umrah and pilgrim transport**: Jeddah, Makkah and Madinah transfers paid before arrival.
- **Riyadh limousine service**: Corporate and airport chauffeur work paid by mada or Apple Pay.
- **Events and tourism**: Seasonal demand paid online, with Tabby for larger bookings.

## Which gateway to pick in Saudi Arabia

- **Saudi-only operator**: Moyasar: mada, Apple Pay, STC Pay and Samsung Pay.
- **Group across the Gulf**: Tap Payments or MyFatoorah: one provider in several GCC countries.
- **Pay later**: Tabby through Tap or MyFatoorah.

## Sources and verification

- https://www.tap.company
- https://www.myfatoorah.com
- https://moyasar.com
- https://stripe.com/global
- https://help.airwallex.com/hc/en-gb/articles/4408591334937
- Central bank or regulator: Saudi Central Bank (SAMA) (https://www.sama.gov.sa/)
- Last verified 2026-11-11

## Frequently asked questions.

### Which payment gateways can a Saudi transfer company use in TransferArc?

Tap Payments, Moyasar, MyFatoorah, Stripe and Airwallex.

### Which gateways take mada?

Tap Payments, Moyasar and MyFatoorah.

### Can a Saudi company open a Stripe account?

No. Saudi Arabia is not on Stripe’s list of supported countries, nor on Airwallex’s list.

### Does it work with ZATCA e-invoicing?

Yes. TransferArc issues the e-invoice for the paid booking through its Saudi country pack.

Request a demo: https://www.transferarc.com/contact