Cards Online Payment - Credit and Mada Cards This service delivers end-to-end payment solutions that connect your business to an international payments network, with secure 3D online shopping. Giving your customers more ways to pay, alongside the tools and features SAIB provides to help you run and manage your business more efficiently. Features & Benefits Advanced Fraud Protection Safeguard all transactions with robust security measures and fraud prevention tools. Tokenization Protect sensitive payment data through secure tokenization technology. No Redirection Checkout Enable customers to complete payments directly on the website or app without any redirection. Business Intelligence Reports Enable customers to complete payments directly on the website or app without any redirection. Transaction Monitoring Track all transactions in real time to ensure transparency and operational control. Scheduling Recurring Payments Set up and manage automated recurring billing for subscription-based services. Types of Payment TransactionsPurchaseProcess a single payment and finalize the transaction upon authorization, transferring funds immediately to the merchant’s account.AuthorizeAuthorize a payment to confirm fund availability, then capture the amount later.Recurring InstallmentsDebit the cardholder’s account automatically on a scheduled monthly basis.Mail Order / Telephone Order (MOTO)Submit transactions manually through a secure web browser.RefundsProcess refunds for previously completed transactions through the Payment Gateway. Eligibility Criteria Required Documents How to Apply The applicant must be a SAIB customer maintaining an active account. The applicant must have a valid Commercial Registration. The applicant must be engaged in a business activity that aligns with the registered Commercial Registration industry. The applicant must have a duly executed E-commerce service agreement in effect. View full Terms & Conditions Valid Commercial Registration Certificate Audited Financial Statements (Last 3 Years) Cash Flow Projections & Financial Model View full Terms & Conditions Eligibility Assessment Review your company’s financial health, turnover, and operational requirements. Structuring & Assessment The bank’s structuring specialists analyze project feasibility, risks, and develop a financing proposal. Approval Integrate Payment Gateway into your online or mobile platform upon approval using the bank’s secure and customizable SDK or API. Go Live Activate and test the Payment Gateway solution within 48 hours once the website is technically ready, then enable acceptance of Mada, Visa, MasterCard, and American Express, along with tokenization, recurring billing, and fraud prevention capabilities. View full Terms & Conditions Frequently Asked، Questions Does Payment Gateway need to be linked to a Saudi Investment Bank account? Yes. Payment Gateway must be linked to an active Saudi Investment Bank (SIB) account for settlement purposes. Which payment methods and cards does Payment Gateway accept? Payment Gateway enables merchants to accept Mada, Visa, MasterCard, and American Express. It also supports tokenization, recurring billing, and integrated fraud prevention capabilities. How long does activation take? Activation and testing are completed within 48 hours once the website or application is technically ready. What type of business is eligible for Payment Gateway? Payment Gateway is available to businesses whose registered activity aligns with their Commercial Registration classification and complies with the bank’s internal and regulatory requirements. Which channels does Payment Gateway support? Payment Gateway supports integration with online websites and mobile applications through a secure and customizable SDK or API. 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