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, Tabby, and Tamara Essential for Your Store's Success in Saudi Arabia?
The latest statistics issued by the Saudi Central Bank (SAMA) indicate that more than 88% of all online retail transactions in the Kingdom are executed via Mada cards and Apple Pay. Furthermore, providing Buy Now Pay Later (BNPL) payment options such as Tabby and Tamara increases the Average Order Value (AOV) by over 35% and cuts cart abandonment rates in half.
Legal Documents and Regulatory Requirements to Open a Merchant Account in Saudi Arabia
Prior to technical integration, official payment gateways (direct acquiring banks or payment aggregators such as PayTabs, Moyasar, HyperPay, and Paymob) mandate the submission of the following credentials:
- Active Commercial Registration (CR): Compliant with e-commerce operations, or a valid Freelance Certificate for Saudi nationals in eligible sectors.
- Saudi Business Center (SBC) Authentication Certificate: A regulatory prerequisite across all stores to safeguard consumers.
- Corporate Bank Account: Registered under the corporate entity name or certified freelance document, backed by an official stamped IBAN letter.
- National Identification: For the primary business owner or authorized legal signatory.
Mandatory Store Technical Specifications for Payment Gateway Approval
- Active SSL Security Certificate: No payment gateway approves integration with unencrypted HTTP protocol endpoints.
- Clear Exchange and Refund Policy: Explicit, comprehensive Arabic terms with clearly defined timelines compliant with the Saudi E-Commerce Law.
- Privacy Policy & Terms of Service: Explaining exact customer data handling, storage, and transaction security procedures.
- Official Contact and Store Registration Footnotes: Displaying the CR or Freelance license number, official business phone, and commercial email directly within the site footer.
- Product Pricing in Saudi Riyals (SAR): Transparent display of shipping fees and Value Added Tax (VAT), where applicable.
Comparing the Installment Giants: Tabby vs Tamara
| Comparison Feature | Tamara | Tabby |
|---|---|---|
| Installment Plans | Split into 2, 3, or 4 interest-free installments | Split into 4 monthly interest-free installments |
| Estimated Merchant Fee | Approx. 4.5% to 6.5% + 1.5 SAR per transaction | Approx. 4.5% to 6.5% + 1.5 SAR per transaction |
| Payout Settlement Timeline | Weekly or based on transaction volume | Weekly to registered corporate bank account |
How MTM4WEB Integrates Payment Gateways Securely & Professionally
At MTM4WEB, we engineer direct, encrypted integrations via RESTful APIs and secure Webhooks to guarantee:
- Instant order confirmation and real-time inventory synchronization upon successful payment with zero dropped orders.
- One-touch express checkout powered by Apple Pay Web SDK.
- One-click automated refunds directly processed from your internal store admin dashboard.
- Full compliance with 3D Secure 2.0 fraud prevention standards to eliminate chargebacks.
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