Conditions and requirements for linking the Mada, Tabby, and Tamara payment gateway in the online store 2026 (Procedural and Technical Guide)
Why is activating Mada, Tabi and Tamara a prerequisite for the success of your store in Saudi Arabia?
The latest statistics issued by the Central Bank of Saudi Arabia (SAMA) indicate that more than 88% of the total online purchases in the Kingdom are made through “Mada” cards and the “Apple Pay” service. In addition, offering Buy Now Pay Later (BNPL) services such as Tabby and Tamara increases average cart value (AOV) by more than 35% and reduces cart abandonment rates by half.
Documents and legal requirements for opening a merchant account in payment gateways in Saudi Arabia
Before starting the software connection, official payment gateways (either direct banks or payment aggregators such as PayTabs, Moyasar, HyperPay, Paymob) require the following documents to be provided:
- An active commercial registration compatible with e-commerce activity, or a valid Freelance Certificate for Saudi citizens in permitted activities.
- Authentication certificate from the Saudi Business Center (SBC): A mandatory requirement for all stores to protect the consumer.
- Corporate Bank Account: In the name of the establishment or the name registered in the self-employment document, accompanied by an official, stamped IBAN letter.
- National ID of the owner or authorized signatory.
The mandatory terms and specifications of your online store for approval of activation
- An active and activated SSL security certificate: No payment gateway will accept linking to a site running on the unencrypted HTTP protocol.
- The exchange and return policy page: is clear and detailed in Arabic, and is specified with time periods according to the Saudi e-commerce system.
- Privacy Policy and Terms and Conditions page: explains how customer data and payment methods are processed and protected.
- Official contact information and store history: Insert the commercial registration number or self-employment document, mobile number and commercial email in the store footer.
- Product pricing in Saudi Riyal (SAR): With clear shipping rates and value added tax (VAT if any).
A comparison between the two installment giants: Tabby or Tamara?
| Comparison | Tamara | Tabby |
|---|---|---|
| Installment system | In 2, 3 or 4 interest-free installments | In 4 monthly installments without interest |
| Approximate commission to the merchant | About 4.5% to 6.5% + 1.5 riyals per transaction | About 4.5% to 6.5% + 1.5 riyals per transaction |
| Duration for transferring funds to your account | Weekly or according to sales volume | Weekly to the establishment’s bank account |
How do we connect your store's payment gateways professionally and securely in MTM4WEB?
in MTM4WEB We implement secure direct linking via RESTful APIs and encrypted Webhooks to ensure the following:
- Confirm the order and update the stock status immediately upon successful payment without any loss of orders.
- Support one-touch quick payment via Apple Pay Web SDK.
- Cancellation and refunds with the click of a button directly from within your store’s control panel.
- Compatibility with the latest security protocols 3D Secure 2.0 to prevent fraud and bank interceptions (chargebacks).
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