Top
about
About Company

Quick, Secure Cash Moves Installment Door With QR

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.

Money Transfer

Money transfer refers to the process of sending money from one person or entity to another

QR Code Support

QR code support refers to the ability of a device, application, or system to recognize and read QR code

Tried Dependability

Refers to the consistent reliability system that has been proven over time through extensive testing and use.
How KPay Works

Your Money, Moving in Seconds

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.

Step 1

Register & eKYC

Sign up with Absher/Nafath identity verification

Step 2

Top-Up Wallet

Add money via Mada card or bank transfer (SARIE)

Step 3

Pay & Send

SADAD bills, QR payments, remittance, Hajj fees

Step 4

Track & Settle

Real-time tracking with T+1 SAMA settlement

FAQ

Frequently Asked Questions

An FAQ section typically contains a list of questions and their corresponding answers.

What is Kpay?

Kpay is a digital payment solution that enables users to make transactions by scanning QR codes with their mobile devices.

How does Kpay work?

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.

Is Kpay secure?

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.

Can I use Kpay for online purchases?

Kpay is primarily designed for in-person transactions at physical stores. However, some online merchants may also support Kpay as a payment option.

Which mobile devices are compatible with Kpay?

Kpay is compatible with both Android and iOS devices. Simply download the Kpay app from the respective app stores and follow the setup instructions.

Are there any transaction limits with Kpay?

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.

Can I link multiple bank accounts or payment methods to Kpay?

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.

What should I do if I encounter issues with Kpay during a transaction?

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.

Is Kpay available internationally?

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.

Can I view transaction history and receipts in Kpay?

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.

Testimonials

What People Say About Us

Testimonials are statements or reviews from satisfied customers or clients that demonstrate their positive experiences with the business.

user
Tobey Marshall

QR Accountants

Pay Bills

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.

user
Dino Marshall

Support

Send Money System

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.

user
Alex Marshall

Service

Send Remittance

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.

SAMA-Compliant National Payment Platform

KPay — 28 KSA Banking & Payment Services

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.

National Control Layer

SAMA compliance, regulatory framework, AML/CFT, cybersecurity, and consumer protection

AML Monitoring

Anti-Money Laundering alerts per SAMA AML/CFT rules — structuring, layering, smurfing detection with FIU/SAFIU escalation.

Fraud Detection

Real-time fraud case management — card-not-present, account takeover, identity theft, merchant fraud with evidence tracking.

Cybersecurity

Incident response and security controls — malware, phishing, data breach, DDoS with containment and resolution tracking.

KYC Verification

Know Your Customer with Absher/Nafath integration — basic, enhanced, and full KYC levels per SAMA tier requirements.

Consumer Protection

Consumer complaint management with 30-day SLA per SAMA rules — billing disputes, unauthorized transactions, service quality.

Data Privacy (PDPL)

Personal Data Protection Law compliance — access, rectification, erasure, restriction, portability, and objection requests.

Audit Trail

Immutable audit logs for all system actions — event tracking, IP address, user agent, and payload for full traceability.

Data Processing Records

PDPL transparency records — data purpose, legal basis, recipients, retention periods, and consent management.

Intelligence & Instant Analysis Layer

AI/ML-powered monitoring, Vision 2030 KPIs, anomaly detection, and real-time transaction intelligence

Analytics & Vision 2030

Vision 2030 financial sector KPIs — digital payment ratio, financial inclusion rate, fintech investment tracking.

Anomaly Alerts

AI/ML anomaly detection — velocity spikes, amount anomalies, frequency anomalies, geo anomalies, behavioral patterns.

Transaction Monitor

Real-time transaction monitoring across Mada, SADAD, SARIE, IPS, and SWIFT rails with full ISO 20022 data.

ISO 20022 Messages

Financial messaging standard — inbound/outbound message processing with validation and tracking per SAMA requirements.

Commercial Services & Financial Inclusion Layer

Wallet, payments, SADAD, remittance, Hajj, BNPL, loyalty, open banking, and developer sandbox

Wallet & Ledger

Digital wallet accounts with real-time balance ledger — top-up, transfer, withdraw with full transaction history.

QR Payments

QR code payments — static, dynamic, and EMVCO standards for merchant payments with instant settlement.

SADAD Billers

National bill payment system — utilities, telecom, government, education, insurance, healthcare, and Hajj/Umrah bills.

Remittance & FX

International remittance with SAMA-approved FX rates — corridors to PH, IN, PK, BD, EG, AE, GB, US with real-time tracking.

Hajj & Umrah Payments

Seasonal pilgrimage payment management — package payments, service fees, accommodation, and ritual services per season.

Loyalty Program

Rewards program with tiered membership — bronze, silver, gold, platinum — earn points per SAR spent with expiry management.

Chargebacks

Card payment dispute management — fraud, duplicate, merchandise not received, processing error with arbitration support.

BNPL Plans

Buy Now Pay Later installment plans — split purchases into manageable payments with automated installment tracking.

eKYC Verification

Electronic KYC via Nafath/Absher — national ID, Iqama, passport, GCC ID verification with video call and biometric options.

Open Banking

SAMA Open Banking framework — account info, payment initiation, balance check, and transaction history with TPP consent management.

Account Settings

Configure spending limits, contactless, online and international payments, SADAD autopay, and preferred language (AR/EN).

Notifications

Multi-channel notifications — push, SMS, email, in-app — with quiet hours, category filtering, and language preference.

WPS Payroll

Wages Protection System per MHRSD — payroll batch creation, salary line management, and MHRSD WPS portal submission.

Financial Institutions

Directory of SAMA-licensed banks and financial institutions — SWIFT/BIC codes, IBAN prefixes, and license verification.

Developer Sandbox

SAMA FinTech Lab sandbox — Explorer (free), Innovator (paid), and Partner (licensed) tiers with API key generation.

Notification Preferences

Granular notification control — toggle channels, set quiet hours, select categories, and choose notification language.

Built on KSA Financial Standards

SAMA Mada SADAD SARIE IPS WPS PDPL ISO 20022 SWIFT GPI Absher/Nafath Vision 2030 AML/CFT

Experience the Future of KSA Payments

Download the KPay app to access all 28 banking and payment services from your mobile device.