Experience the power of financial management at your fingertips with the Kpay Agent App. Download our app today to access a world of convenience and efficiency in handling money transfers, remittances, bill payments, and more.
Kpay offers a range of robust features designed specifically to empower agents in managing financial transactions efficiently. Explore these key features tailored to enhance your agent
Manage your funds conveniently with the Kpay in-app wallet. Store your earnings securely and access them whenever you need to facilitate transactions seamlessly.
Transfer funds agent to agent securely and swiftly between agents within the Kpay network, ensuring seamless transactions for your customers.
Accept payments from other agents with ease, providing a convenient way to receive funds and expand your business capabilities.
Replenish your account balance through manual or automatic methods like PayPal, Stripe, or Flutterwave, ensuring you always have funds available for transactions.
Facilitate transactions from agents to users seamlessly, providing a smooth experience for customers and boosting your business credibility.
Safely withdraw funds with automatic support through Flutterwave integration, ensuring quick and hassle-free access to your earnings and also manual withdraw system.
Transfer money internationally or domestically for your customers, leveraging Kpay's reliable remittance services for efficient cross-border transactions.
Keep track of frequent senders and receivers for remittance transactions, streamlining your operations and providing personalized service to clients.
Gain insights into your earnings with a detailed profits log, allowing you to monitor commissions, fees, and overall financial performance conveniently.
Offer additional services such as bill payments and mobile top-ups, providing a comprehensive solution for your customers' financial needs.
Leverage QR codes for seamless transactions. Kpay's QR code support enhances the user experience, making payments and transfers swift and secure.
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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