Our innovative payment solution allows you to transfer money quickly and securely using QR codes. With just a simple scan, you can send or receive funds in a matter of seconds, eliminating the need for manual entry or tedious account details.
Merchants can accept mobile payments from customers using various methods, such as scanning QR codes, mobile wallets like Kpay. availability of specific features can vary depending on the mobile banking provider and the specific solution or app used. Merchants should carefully evaluate their requirements and choose a mobile banking solution that offers the features and functionalities that best align with their business needs.
Essential for using QR codes for various purposes, such as making payments, accessing information, or completing transactions. the user may need to scan a QR code to initiate the transaction.
Receive Money is a term used to describe the process of accepting or collecting funds that have been sent or transferred to you by another party. This method such as bank transfers.
Merchant account to transfer funds to their linked bank account. This allows them to access the funds received from customer payments and use them for various purposes. personal use.
Securely processing payment information and transmitting it between a merchant's website or application and the financial institutions involved in the transaction.
A comprehensive financial platform aligned with Saudi Vision 2030, offering real Mada, SADAD, SARIE, and IPS payment rails with full regulatory compliance, AML/CFT monitoring, and PDPL data protection.
SAMA compliance, regulatory framework, AML/CFT, cybersecurity, and consumer protection
Anti-Money Laundering alerts per SAMA AML/CFT rules — structuring, layering, smurfing detection with FIU/SAFIU escalation.
Real-time fraud case management — card-not-present, account takeover, identity theft, merchant fraud with evidence tracking.
Incident response and security controls — malware, phishing, data breach, DDoS with containment and resolution tracking.
Know Your Customer with Absher/Nafath integration — basic, enhanced, and full KYC levels per SAMA tier requirements.
Consumer complaint management with 30-day SLA per SAMA rules — billing disputes, unauthorized transactions, service quality.
Personal Data Protection Law compliance — access, rectification, erasure, restriction, portability, and objection requests.
Immutable audit logs for all system actions — event tracking, IP address, user agent, and payload for full traceability.
PDPL transparency records — data purpose, legal basis, recipients, retention periods, and consent management.
AI/ML-powered monitoring, Vision 2030 KPIs, anomaly detection, and real-time transaction intelligence
Vision 2030 financial sector KPIs — digital payment ratio, financial inclusion rate, fintech investment tracking.
AI/ML anomaly detection — velocity spikes, amount anomalies, frequency anomalies, geo anomalies, behavioral patterns.
Real-time transaction monitoring across Mada, SADAD, SARIE, IPS, and SWIFT rails with full ISO 20022 data.
Financial messaging standard — inbound/outbound message processing with validation and tracking per SAMA requirements.
Wallet, payments, SADAD, remittance, Hajj, BNPL, loyalty, open banking, and developer sandbox
Digital wallet accounts with real-time balance ledger — top-up, transfer, withdraw with full transaction history.
QR code payments — static, dynamic, and EMVCO standards for merchant payments with instant settlement.
National bill payment system — utilities, telecom, government, education, insurance, healthcare, and Hajj/Umrah bills.
International remittance with SAMA-approved FX rates — corridors to PH, IN, PK, BD, EG, AE, GB, US with real-time tracking.
Seasonal pilgrimage payment management — package payments, service fees, accommodation, and ritual services per season.
Rewards program with tiered membership — bronze, silver, gold, platinum — earn points per SAR spent with expiry management.
Card payment dispute management — fraud, duplicate, merchandise not received, processing error with arbitration support.
Buy Now Pay Later installment plans — split purchases into manageable payments with automated installment tracking.
Electronic KYC via Nafath/Absher — national ID, Iqama, passport, GCC ID verification with video call and biometric options.
SAMA Open Banking framework — account info, payment initiation, balance check, and transaction history with TPP consent management.
Configure spending limits, contactless, online and international payments, SADAD autopay, and preferred language (AR/EN).
Multi-channel notifications — push, SMS, email, in-app — with quiet hours, category filtering, and language preference.
Wages Protection System per MHRSD — payroll batch creation, salary line management, and MHRSD WPS portal submission.
Directory of SAMA-licensed banks and financial institutions — SWIFT/BIC codes, IBAN prefixes, and license verification.
SAMA FinTech Lab sandbox — Explorer (free), Innovator (paid), and Partner (licensed) tiers with API key generation.
Granular notification control — toggle channels, set quiet hours, select categories, and choose notification language.
Download the KPay app to access all 28 banking and payment services from your mobile device.
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