PayTabs MENA Payment Gateway API
PayTabs MENA payment gateway REST API for businesses across Saudi Arabia, UAE, Egypt, Bahrain, Kuwait, Oman, and Pakistan to accept cards, MADA, KNET, Fawry, STC Pay, and local payment methods with multi-currency checkout and split payment capabilities for the MENA region. Enables AI agents to manage payment transaction creation for MENA e-commerce automation, handle multi-currency card and local payment acceptance for GCC regional automation, access hosted payment page for PCI-compliant MENA checkout automation, retrieve payment authentication and 3DS for MENA card security automation, manage refund processing for MENA order management automation, handle split payment for MENA marketplace automation, access subscription and recurring payment for MENA subscription billing automation, retrieve transaction reporting for MENA financial reconciliation automation, manage fraud detection for MENA payment security automation, and integrate PayTabs with Saudi, UAE, and MENA e-commerce platforms for end-to-end MENA payment automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
MENA payments. PCI-DSS. Server Key. SA. Card and payment data.
⚡ Reliability
Best When
A merchant operating across Saudi Arabia, UAE, Egypt, or GCC wanting AI agents to automate multi-country MENA payment acceptance with MADA, KNET, Fawry, and card processing through PayTabs' pan-MENA gateway.
Avoid When
COUNTRY-SPECIFIC PAYMENT METHOD MAPPING: PayTabs payment methods vary by country (MADA in Saudi, KNET in Kuwait, Fawry in Egypt); automated checkout must configure payment methods per customer country; automated generic MENA payment method list creates unavailable payment options for specific country customers. SERVER-TO-SERVER API CARD CHARGING PCI SCOPE: PayTabs server-to-server card charge requires PCI DSS SAQ-D compliance; automated direct card charge without hosted page creates full PCI scope; automated payment should use hosted payment page for PCI scope reduction. PROFILE ID SCOPING: PayTabs API uses Profile ID to scope payments to specific merchant profile; automated multi-country or multi-brand merchant must use correct Profile ID; automated wrong Profile ID creates payment routing to incorrect merchant account. AUTHENTICATION USING SERVER KEY AND CLIENT KEY: PayTabs uses separate Server Key (for API) and Client Key (for SDKs); automated server-side API must use Server Key; automated client-side SDK with Server Key creates security exposure of server credentials.
Use Cases
- • Accepting MADA, KNET, and Fawry from multi-country MENA payment agents
- • Processing GCC card payments with 3DS from regional e-commerce agents
- • Managing marketplace split payments from MENA platform agents
- • Handling multi-currency MENA checkout from cross-GCC commerce agents
Not For
- • Global payment outside MENA (use Stripe or Adyen for international markets)
- • Sub-Saharan Africa payments (use DPO Group or Flutterwave for Africa)
- • Turkey-specific payments (use iyzico for Turkey)
Interface
Authentication
PayTabs uses Profile ID and Server Key for API authentication. REST API with JSON. Al-Khobar, Saudi Arabia HQ. Founded 2014 by Abdulaziz Al Jouf. Products: Cards, MADA, KNET, Fawry, STC Pay, split payments, recurring, hosted page. SDKs: PHP, Python, Node.js, Java, .NET. PCI DSS. Operations in 9+ MENA countries. Competes with Telr and Moyasar for MENA payments.
Pricing
Al-Khobar SA. Per-transaction fees in local currency (SAR, AED, EGP). Country-specific agreements required.
Agent Metadata
Known Gotchas
- ⚠ TRAN_REF UNIQUENESS PER TRANSACTION: PayTabs requires unique transaction reference (tran_ref) per payment; automated retry must generate new tran_ref; automated same-reference retry creates duplicate transaction or conflicting status
- ⚠ PAYMENT STATUS ENUM MAPPING: PayTabs payment status uses numeric codes (A = Authorized, V = Voided, C = Captured, etc.); automated payment processing must map status codes to business logic; automated simple success/failure check without code mapping creates misclassified transaction states
- ⚠ COUNTRY PROFILE CONFIGURATION: PayTabs merchants need separate profile configuration per country of operation; automated multi-country expansion must configure and test per-country profile; automated single-profile assumption for all MENA countries creates incorrect currency or payment method for customer country
- ⚠ WEBHOOK RETRY POLICY: PayTabs retries failed webhook deliveries multiple times; automated webhook endpoint must be idempotent; automated non-idempotent webhook processing creates duplicate fulfillment on webhook retry
- ⚠ SPLIT PAYMENT RECIPIENT REGISTRATION: PayTabs split payment requires registered recipient (sub-merchant) profile; automated marketplace split requires sub-merchant onboarding with PayTabs; automated split to unregistered sub-merchant creates split payment routing error
Alternatives
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Scores are editorial opinions as of 2026-03-07.