Overview Business to Business (B2B) refers to electronic transactions conducted between two corporate entities through a direct internet-based connection. This connection links customers’ accounting systems or Enterprise Resource Planning (ERP) platforms directly to SAIB’s backend systems. The B2B integration solution enables corporate clients to perform banking transactions, payments, and inquiries in accordance with the highest international security standards. Features & Benefits Bulk & Batch Payments Process single or multiple transactions efficiently across channels such as SARIE, SWIFT, SADAD, MOI, and internal transfers. Automated Payroll & Disbursements Streamline salary payments through single or batch payroll processing using WPS (Wage Protection System) and RASD integration. Elimination of Duplicate Workflows Eliminate duplicate authorization processes by accepting customer workflows across internal and bank systems. Detailed Reporting & Reconciliation Access transaction histories and generate reports to support streamlined financial management. Integration with ERP Systems Integrate your accounting or ERP systems through API or file-based connectivity to enable automated processing. Enhanced Security Authenticate transactions through digital certificates to ensure safe and reliable processing. Eligibility Criteria Documents Required How to Apply The applicant must have an open or existing account with SAIB. The applicant must have completed the required registration and agreement forms for B2B integration. View full Terms & Conditions Valid Commercial Registration Certificate National ID or Passport Copies of Authorized Signatories Board Resolution or Corporate Authorization (If Applicable) Completed Application Form View full Terms & Conditions Eligibility Assessment Contact our Cash Management team through Phone Banking at 800 124 8000 to request an eligibility assessment and express your interest in our SWIFT MACUG service. Structuring & Assessment After providing your company’s credentials, the bank’s structuring specialists analyze project feasibility, risks, and develop a financing proposal. Define Your B2B Requirements Define your B2B requirements by specifying transaction volumes, supported payment methods, connectivity type (e.g., API or file upload), preferred currencies, and transaction frequency. Service Proposal & Agreement Review and approve the tailored service proposal prepared by our team, then execute the B2B service agreement to formalize implementation. Approval Activate the B2B service upon approval and integrate it into your systems through secure APIs or file-based connectivity to enable automated transaction processing. View full Terms & Conditions Frequently Asked Questions What types of payments can I process? You can process supplier payments, partner settlements, intercompany transfers, and other business-related payments. Are there limits on the payment amounts? The B2B solution processes transactions through direct integration with SAIB’s backend systems. Payment limits are governed by the customer’s account settings and applicable banking policies. Can payments be scheduled in advance? The B2B integration enables automated transaction processing through ERP or accounting system connectivity. Payment scheduling depends on the configuration of the customer’s integrated systems. Is there an approval workflow? The B2B solution connects customer systems directly to SAIB’s backend systems. Authorization and workflow controls are managed within the customer’s internal systems in accordance with their configured processes. How secure are B2B Payments? The B2B integration solution enables corporate clients to conduct banking transactions, payments, and inquiries in accordance with the highest international security standards. We’re Always Within Reach Stay connected to your banking, through our customer care team, digital channels, and branches everywhere. Customer Care Submit inquiries, raise complaints, and access support anytime. /customer-care Corporate Offices Explore our corporate head-quarters and regional offices across the Kingdom. /corporate-offices E-Banking Services Bank smarter and faster with our secure digital platforms. /personal/e-banking-services