Mada: Saudi Arabia's domestic card scheme
Saudi Arabia's domestic debit scheme.
How the Mada flow works
Mada is a domestic card scheme available in Saudi Arabia. Full public profile pending — contact us to prioritise this method.
Typical use cases
- Merchants selling to consumers in Saudi Arabia.
Consumer reach
Available to consumers in Saudi Arabia.
Who should accept Mada
- Merchants targeting the Saudi Arabia market.
Operational detail
The operational half of every method profile — settlement, refunds, disputes, PSP coverage and licensing — is reserved for Payment Methods List founding partners. It's the part vendor sites won't publish and the part that actually decides whether Mada works for your stack.
Settlement time
How fast Mada funds land after the payer confirms, behaviour outside scheme hours, whether the rail settles gross or net, and the realistic T+n to sweep to USD/EUR — plus the PSPs where the advertised timeline actually holds in Saudi Arabia.
Book a founding-partner call →Refund mechanics
How Mada refunds are executed end-to-end when the rail has no scheme-level reversal — payer-initiated pulls, credit transfers, or PSP-fronted refunds — plus partial-refund support, time limits, and the API surface each PSP exposes.
Book a founding-partner call →Chargeback exposure
Whether Mada has any dispute construct at all, which recall/return/indemnity vectors actually exist on the rail, how consumer-protection rules in Saudi Arabia route claims back to merchants, and observed loss rates versus cards.
Book a founding-partner call →PSP coverage matrix
Which acquirers and aggregators run direct rail connections to Mada vs. reselling a partner, coverage depth and reliability, effective pricing bands, and who to pick when Saudi Arabia volume is your primary use case.
Book a founding-partner call →KYC & licensing notes
Requirements to accept Mada — local entity vs. cross-border MoR, licensing regime governing the rail in Saudi Arabia, KYC obligations at onboarding and per-transaction, and FX/reporting rules for foreign merchants.
Book a founding-partner call →