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.
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
An FAQ section typically contains a list of questions and their corresponding answers.
Kpay is a digital payment solution that enables users to make transactions by scanning QR codes with their mobile devices.
To use Kpay, simply open the app, scan the QR code displayed at the merchant’s location, and enter the payment amount. Confirm the transaction and the payment will be processed instantly.
Yes, Kpay incorporates advanced security measures to protect your payment information. It utilizes encryption protocols and secure authentication methods to ensure the safety of your transactions.
Kpay is primarily designed for in-person transactions at physical stores. However, some online merchants may also support Kpay as a payment option.
Kpay is compatible with both Android and iOS devices. Simply download the Kpay app from the respective app stores and follow the setup instructions.
Transaction limits may vary depending on the specific implementation of Kpay. Some merchants or banks may impose transaction limits to ensure security. Check with your service provider for any applicable limits.
Kpay allows you to link multiple bank accounts or payment methods, providing flexibility in choosing the source for your transactions. You can manage your linked accounts within the Kpay app.
If you experience any issues or have questions about Kpay, please contact our customer support team. They will be happy to assist you and resolve any concerns promptly.
Kpay availability may vary by region. While it is widely adopted in many countries, it’s recommended to check with your local merchants or financial institutions to confirm Kpay support in your location.
Yes, Kpayvides a transaction history feature where you can view details of your past transactions, including dates, amounts, and merchant information. You can also generate digital receipts for your records.
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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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