Saudi Riyal (SAR)
Published processing fees and market availability for the Saudi Riyal (SAR) across 14 gateways, bank acquirers, and payment rails serving Saudi Arabia. Always confirm current rates on the provider's official pricing page.
Regional context & bank acquiring rules: Middle East payments guide · All Middle East currencies
Who serves this currency
All 14 gateways, bank acquirers and wallets serving SAR markets, including providers with published SAR fee schedules (6) and custom/quote-only processors (8).
Card gateways & processors
| Provider & market notes | Fee schedule |
|---|---|
| StripeAvailable in Saudi Arabia (preview/invite), see country pricing. | Custom pricing |
| AdyenEnterprise processor (Uber, Spotify, eBay). Interchange++ from roughly 0.6% + fixed per transaction plus scheme fees, custom contract pricing only. | Worldwide |
| Checkout.comEnterprise processor strong in EMEA/LatAm; interchange++ blended rates negotiated per merchant. | Worldwide |
| PayTabsSaudi Visa/Mastercard 2.7% + SAR 1; domestic mada debit 1.75%. | Published fees |
| Tap PaymentsSaudi Visa/MC 2.75% + SAR 1; mada domestic debit 1.75%. | Published fees |
| MyFatoorahSaudi Visa/MC 2.7% + SAR 1; mada 1.75%. | Published fees |
| MoyasarSaudi mada debit 1.75%; Visa/Mastercard 2.75% + SAR 1 (+15% VAT on fee). | Published fees |
| TelrSaudi Arabia Medium plan. | Published fees |
| Network InternationalLargest acquirer in the Middle East & Africa (parent of DPO Group and PayFast). Custom merchant acquiring and N-Genius online gateway rates. | Serves this market |
| PaymobRegional availability, ask for a quote. | Serves this market |
| GeideaSaudi mada debit 1.75%; Visa/Mastercard 2.5% + SAR 1 (+15% VAT). | Published fees |
Wallets & other payment rails
| Provider & market notes | Fee schedule |
|---|---|
| PayPalAvailable to merchants in 190+ countries; receiving capability varies by country. Cross-border fees are higher than domestic. | Worldwide |
| STC PayMerchant acceptance available; confirm pricing with STC Pay business. | Custom pricing |
| Payoneer Profile →Cross-border receiving platform: local receiving accounts, marketplace payouts and client payment requests in 190+ countries. Not a card checkout gateway. See our full Payoneer profile for the fee breakdown. | Worldwide |
Compare gateways for an amount
This comparison only shows fees we can publicly verify (6 of 14 providers serving SAR). Processors and bank acquirers that quote custom or merchant-specific rates are listed under Who serves this currency above.
Enter an amount to compare verified SAR rates.
Disclaimer: Comparisons only include publicly verifiable standard rates as of November 6, 2026 and exclude custom-quoted gateways, bank MIDs, monthly plan fees and local taxes unless noted. See all 14 providers serving SAR.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (8 additional providers serve SAR with custom or quote-only pricing—see all 14 providers above). We never invent figures for custom-quoted processors or bank acquirers. Figures are for comparison only; always confirm your exact rate on the provider's site.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| PayTabsSaudi Visa/Mastercard 2.7% + SAR 1; domestic mada debit 1.75%. | 2.7% | SAR 1.00 | n/a | Same rate |
| Tap PaymentsSaudi Visa/MC 2.75% + SAR 1; mada domestic debit 1.75%. | 2.75% | SAR 1.00 | n/a | Same rate |
| MyFatoorahSaudi Visa/MC 2.7% + SAR 1; mada 1.75%. | 2.7% | SAR 1.00 | n/a | Same rate |
| MoyasarSaudi mada debit 1.75%; Visa/Mastercard 2.75% + SAR 1 (+15% VAT on fee). | 1.75%+1% international cards | SAR 0.00 | n/a | +1% |
| TelrSaudi Arabia Medium plan. | 2.49% | SAR 0.50 | n/a | Same rate |
| GeideaSaudi mada debit 1.75%; Visa/Mastercard 2.5% + SAR 1 (+15% VAT). | 1.75%+0.75% international cards | SAR 0.00 | n/a | +0.75% |
Monthly, plan & setup fees (SAR)
10 of 14 offer $0/mo base plans% + fixed fee) and are not included in calculator estimates above. Always verify current plan tiers on the provider's official pricing page.
Card gateways & bank acquirers — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| StripeStandard pay-as-you-go; Stripe Billing / Radar / custom packages optional | No monthly fee | $0/mo | $0 |
| AdyenNo fixed monthly fee, but enterprise minimum monthly invoice typically applies | Bank MID / custom | $0/mo (min. volume applies) | $0 |
| Checkout.comNegotiated interchange++ schedule for high-volume merchants | Bank MID / custom | Custom enterprise contract | Custom |
| PayTabsPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| Tap PaymentsPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| MyFatoorahPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| MoyasarPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| TelrMedium plan (2.49% + 0.50); Entry plan AED 349/mo has 0% commission up to AED 20k | Monthly plan | AED 99 / SAR 99/mo | AED 0–200 |
| Network InternationalDirect merchant acquiring packages across UAE, Jordan, Egypt & Africa | Bank MID / custom | Custom / bank plan | Varies by plan |
| PaymobPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| GeideaPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
Wallets & other payment rails — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| PayPalStandard Checkout $0/mo; Advanced / Pro virtual terminal ~$30/mo in US/CA/UK | $0/mo + tiers | $0/mo | $0 |
| STC PayNo monthly subscription fee on standard merchant wallet / QR / A2A acceptance | No monthly fee | $0/mo | $0 |
| Payoneer Profile →Free to hold and receive; $29.95 annual fee applies to inactive accounts in some countries | $0/mo + tiers | $0/mo | $0 |
Saudi Riyal (SAR) payment gateway FAQs
Which payment gateways and processors serve Saudi Arabia (SAR)?
Sympli5 tracks 14 payment gateways, bank acquirers, and payment rails serving Saudi Arabia (Saudi Riyal, SAR), including Stripe, PayPal, Adyen, Checkout.com, PayTabs, Tap Payments and 8 others. Of these, 6 publish verifiable standard SAR per-transaction schedules and 8 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in Saudi Riyal (SAR)?
Among the 6 providers with publicly verified SAR schedules, the lowest headline variable rate starts at 1.75% + SAR 0.00 via Moyasar. Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive SAR calculator on this page to compare exact net payouts.
Do SAR payment gateways charge monthly or setup fees?
Of the 14 providers serving SAR markets, 10 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 4 providers either require a monthly gateway plan or operate through a bank Merchant ID (MID) with bank-quoted monthly maintenance and setup fees. Monthly and setup costs are charged separately from per-transaction processing rates.
What does the international card surcharge mean for SAR transactions?
An international (foreign-issued) card fee applies when a customer pays your business in SAR using a Visa, Mastercard, or Amex issued by a bank outside your local merchant country—such as a foreign tourist or overseas buyer. In SAR, providers like Moyasar (+1%), Geidea (+0.75%) add an explicit cross-border card surcharge on top of their domestic rate.