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e-Payment Channels

The eGovernment of the Kingdom of Saudi Arabia provides various systems for making government payments, thereby linking - on the one hand - the government with its various sectors, and the individual on the other. This in turn is designed to facilitate the process of making government payments, while elevating them to the global standards of payment and data security. The Ministry of Finance and the Saudi Arabia Monetary Agency (SAMA) are considered the two most relevant entities when it comes to monetary payment processes. 

Government payments:

Government payments are processed through the following channels:

  • Etimad portal: a portal for e-requests and payment orders within the public and private sectors.
  • Sarf: a system for tracking payments due to employees within the public sector. 

Payment is then made through bank transfers, which has been put in place to ensure payments are electronically delivered to the intended receiver, while ensuring speed of delivery, minimizing risk, reducing costs, as well as providing advanced banking services, with cheques issued in special circumstances. 

Payments system:

There are many different ways of payment in the Kingdom to keep pace with the development and to match the different needs of individuals and Facilities, and these methods are summarized according to the most used:

Methods of payment:

  • Electronic payment
  • Through the phone
  • Through ATMs
  • At the bank

Government initiatives

The Kingdom has worked to find solutions and create opportunities and initiatives to facilitate financial services without using traditional methods of payment, money management, and disposal.

  • Sadad: a system that operates by providing services for making payments and taxes for individuals, businesses and the public sector, and enables individuals to pay their electricity, water, telecommunications, and government fees.
  • Saree’: Known as the Saudi Fast Transfer System which enables the user to make remittances automatically and ensures access to the beneficiary immediately in order to reduce financial risks and dispense with carrying money to transfer from one bank to another.
  • Mada: ATM, POS and online payment services provide all services that enable them to perform the task easily and simply.

Online Mobile Applications:

  • STC Pay: a digital wallet equipped with all the means and options that enable individuals to control their payments in all, where they can transfer, receive, shopping and control their financial matters through a single mobile application.
  • Bayan Pay: an innovative and simplified way for individuals and businesses to accept, and spend electronic payments.
  • Mada Pay: The application allows bank customers, who have Issued Cards,  to save all their bank cards (whether related to the current or credit account) in one application on smart mobile and pay through it.
  • Apple Pay: a feature available on iPhones or Apple Watch that enables the user to pay directly with no need to use  a credit card.
  • Halalah: An application that allows the user to manage daily financial transactions with ease and security.


Last Modified Date: 08/10/2019 - 1:14 PM Saudi Arabia Time
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