SADAD (Saudi Arabia)
Country: Saudi Arabia (SA) | Payment Rail: bill_payment
BillPayment
Market Adoption: 60%
SADAD is Saudi Arabia's national electronic bill payment and direct debit platform operated under SAMA, processing utility, telecom, and government bill collections.
🔄 User Payment Flow
- Merchant generates SADAD bill with unique Biller ID and account number
- Customer logs into Saudi bank's online portal or visits ATM
- Customer searches Biller ID and pays instantly from bank account
- SADAD clears payment in real-time and notifies merchant
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | NO |
| Supports Recurring | YES |
| Supports Refund | NO |
🛠️ Merchant Integration Steps
- Merchant integrates SADAD Biller API with bank sponsor
- Merchant pushes bill details to SADAD hub
- SADAD hub notifies merchant upon consumer payment completion
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 Tap Payments