KPay — The Future of KSA Digital Payments
Send money, pay bills via SADAD, top-up your wallet, and process Mada/SARIE/IPS transactions — all from one SAMA-compliant platform built for Saudi Vision 2030.
Send money, pay bills via SADAD, top-up your wallet, and process Mada/SARIE/IPS transactions — all from one SAMA-compliant platform built for Saudi Vision 2030.
From wallet top-up to SADAD bill payment to international remittance — KPay processes every transaction through SAMA-approved rails with real-time tracking and T+1 settlement.
Sign up with Absher/Nafath identity verification
Add money via Mada card or bank transfer (SARIE)
SADAD bills, QR payments, remittance, Hajj fees
Real-time tracking with T+1 SAMA settlement
QR code support refers to the ability of a device, application, or system to recognize and read QR codes. This support can be provided through a variety of methods, such as through built-in camera software, specialized QR code scanning apps, or integrated QR code reading functionality within other applications. In such cases, it's important to ensure that the QR code is compatible with a wide range of devices and platforms to maximize its effectiveness.
KPay operates under SAMA regulatory framework with PDPL data protection, AML/CFT monitoring, and ISO 20022 financial messaging standards.
Personal Data Protection Law compliance — access, rectification, erasure, and portability rights with full consent management.
Anti-Money Laundering alerts per SAMA rules — structuring, layering, smurfing detection with SAFIU escalation and case management.
Every system action logged with event type, IP, user agent, and payload — full traceability for regulatory inspections and reconciliation.
Complaint management with 30-day SLA per SAMA rules — billing disputes, unauthorized transactions, and service quality tracking.
Financial messaging standard for cross-border and domestic payments — inbound/outbound message processing with validation and tracking.
Daily settlement and reconciliation cycles per SAMA requirements — automated batch processing with full ledger auditability.
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Payment Gateway
Currencies
Send Remittance
Financial institutions play a vital role as they serve as a platform for exchange money.
Send Money NowKPay is engineered to KSA banking standards — from SAMA compliance to Mada rails, SADAD billers, and Vision 2030 financial inclusion goals.
Mada, SADAD, SARIE, and IPS integration with real transaction processing, not just admin panels. Full ISO 20022 messaging and T+1 settlement cycles.
Real identity verification with national ID, Iqama, and GCC ID. Basic, enhanced, and full KYC tiers per SAMA requirements with biometric options.
Real-time AML/CFT monitoring per SAMA rules. Fraud detection across card-not-present, account takeover, and merchant fraud with FIU escalation.
Testimonials are statements or reviews from satisfied customers or clients that demonstrate their positive experiences with the business.
QR Accountants
Overall, a good pay bills system should provide a seamless and hassle-free experience for users, with easy and secure payment options, user-friendly features, and responsive customer support.
Support
Reliable, fast, secure, and user-friendly. There are several factors that contribute to a good send money system The system should be accessible to a wide range of users, regardless of their location or device.
Service
Reliable, efficient, secure, and cost-effective. Remittance refers to the transfer of money from one country to another, typically for the purpose of supporting family or friends in another location.
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.
© 2024 KPay — SAMA-Compliant KSA Payment Platform. All rights reserved. KPay
