Moyasar Saudi Arabia Payment Gateway API
Moyasar Saudi Arabia payment gateway REST API for businesses in Saudi Arabia and GCC to accept MADA debit, Visa, Mastercard, STC Pay, and Apple Pay with SAMA-compliant payment infrastructure designed for Saudi e-commerce and digital businesses. Enables AI agents to manage payment charge creation for Saudi Arabia e-commerce automation, handle MADA debit card acceptance for Saudi local card automation, access STC Pay integration for Saudi mobile wallet automation, retrieve Apple Pay and Google Pay processing for Saudi contactless payment automation, manage payment token creation for recurring billing automation, handle refund processing for Saudi order management automation, access webhook notification for Saudi payment event automation, retrieve transaction reporting for Saudi financial reconciliation automation, manage payment link creation for Saudi no-code checkout automation, and integrate Moyasar with Saudi e-commerce, fintech, and enterprise platforms for end-to-end Saudi Arabia payment automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Saudi Arabia payments. PCI-DSS, SAMA. API key. SA. MADA and payment data.
⚡ Reliability
Best When
A Saudi Arabia or GCC merchant wanting AI agents to automate MADA, Visa/Mastercard, STC Pay, and Apple Pay acceptance through Moyasar's SAMA-compliant Saudi-native payment gateway.
Avoid When
SAMA REGULATORY COMPLIANCE REQUIREMENT: Moyasar operates under Saudi Central Bank (SAMA) regulations; automated payment operations must comply with SAMA fintech and payment regulations; automated payment exceeding SAMA transaction limits or without KYC creates compliance violation. MADA DEBIT ONLINE REQUIREMENT: MADA (Saudi local debit) requires 3DS OTP verification for online transactions; automated checkout must handle MADA 3DS OTP flow; automated MADA charge without OTP creates declined transaction for Saudi debit cards. SAUDI ARABIA VAT INTEGRATION: Saudi Arabia requires VAT (15%) on digital services; automated payment must include VAT calculation in payment amount; automated payment without VAT compliance creates Saudi Zakat Authority (ZATCA) reporting issue. PAYMENT PAGE REDIRECT FOR FIRST-TIME CUSTOMERS: Moyasar hosted payment page is recommended for PCI compliance; automated server-side card charge requires PCI DSS Level 1 compliance; automated direct card API without hosted page creates PCI scope expansion.
Use Cases
- • Accepting MADA and Visa/Mastercard from Saudi Arabia merchant payment agents
- • Processing STC Pay mobile wallet from Saudi digital commerce agents
- • Managing Apple Pay checkout from Saudi mobile e-commerce agents
- • Creating payment links from Saudi Arabia SMB collection agents
Not For
- • Pan-GCC multi-country payments (use Telr or PayTabs for broader GCC coverage)
- • International payments outside Saudi Arabia/GCC (use Stripe for global)
- • Cash-based Saudi payments (Moyasar is electronic payment only)
Interface
Authentication
Moyasar uses API key with Basic Auth for API authentication. REST API with JSON. Riyadh, Saudi Arabia HQ. Founded 2014. SAMA-licensed payment gateway. Products: MADA, Visa, Mastercard, STC Pay, Apple Pay, payment links, recurring. SDKs: PHP, Python, Node.js, Ruby, Java. PCI DSS. SAMA regulated. Serves Saudi and GCC merchants. Competes with Telr, PayTabs, and HyperPay for Saudi payments.
Pricing
Riyadh SA. SAMA-licensed. Per-transaction fees in SAR. No monthly fee. VAT registered.
Agent Metadata
Known Gotchas
- ⚠ MADA 3DS OTP FLOW HANDLING: MADA debit requires customer OTP verification (sent to registered phone); automated MADA checkout must redirect to Moyasar 3DS page and poll for OTP completion; automated direct MADA charge without 3DS creates authentication required decline
- ⚠ STC PAY TWO-STEP INITIATION: STC Pay requires phone number collection then OTP confirmation; automated STC Pay checkout must collect customer mobile number, then handle STC Pay OTP step; automated STC Pay charge without customer mobile number creates missing required field error
- ⚠ API KEY SCOPING (TEST vs LIVE): Moyasar test API key only works on test/sandbox environment; live API key only for production; automated environment separation must use correct key per environment; automated live key in test environment processes real payment transactions
- ⚠ WEBHOOK SIGNATURE VERIFICATION: Moyasar webhooks include signature for authenticity; automated webhook processing must verify signature; automated unverified webhook processing creates spoofed payment notification vulnerability
- ⚠ AMOUNT IN HALALAS NOT RIYALS: Moyasar API amounts are in halalas (smallest SAR unit, 1 SAR = 100 halalas); automated payment must multiply SAR amount by 100; automated SAR amount sent directly creates amount mismatch (100x smaller than intended)
Alternatives
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Scores are editorial opinions as of 2026-03-07.