Market specifications

Do you want to know more information about Saudi Arabia's market? Go to the Expand Your Reach in Africa’s eCommerce Market article.

Country reference

`country` code	`currency` code	`amount` decimals	`beneficiary.document.type` name	`beneficiary.document.id` format
`SA`	`SAR`	2	National ID Card	10 digits. All numeric.

Mandatory parameters

Bank transfers

Bank transfer parameters	B2C	B2B	P2P
`external_id`	Yes	Yes	Yes
`payment_method_id`	Yes	Yes	Yes
`flow_type`	Yes	Yes	Yes
`purpose`	Yes	Yes	Yes
`country`	Yes	Yes	Yes
`amount`	Yes	Yes	Yes
`currency`	Yes	Yes	Yes
`beneficiary.first_name`	Yes	Yes	Yes
`beneficiary.last_name`	Yes	Yes	Yes
`beneficiary.business_name`	-	Yes	-
`beneficiary.address.street`	Yes	Yes	Yes
`beneficiary.address.city`	Yes	Yes	Yes
`beneficiary.bank_account.branch`	Yes	Yes	Yes
`beneficiary.bank_account.account`	Yes	Yes	Yes
`remitter.first_name`	-	-	Yes
`remitter.last_name`	-	-	Yes
`remitter.document.type`	-	-	Yes
`remitter.document.id`	-	-	Yes
`remitter.birth_info.date`	-	-	Yes
`remitter.nationality`	-	-	Yes
`remitter.address.street`	-	-	Yes
`remitter.address.city`	-	-	Yes
`remitter.address.postal_code`	-	-	Yes
`remitter.address.country`	-	-	Yes

Payment methods

Saudi Arabia supports payouts via Bank transfers. This method requires specific parameters and follows validation rules aligned with local compliance and banking standards.

Bank transfers

Bank transfers in Saudi Arabia require detailed account information, including SWIFT code, address, city, and IBAN. The format of these fields depends on the receiving bank, and strict validation rules apply.

Mandatory parameters

All fields listed below are required for bank transfer payouts. For successful processing, ensure correct formatting and value types.

Mandatory parameter	Description
`external_id`	Payout identification at the merchant's end. Maximum 100 characters.
`payment_method_id`	Payment method identifier. For bank transfers, use `BANK_TRANSFER`.
`flow_type`	Payout flow type. Valid values: `B2C` (Business to Consumer), `B2B` (Business to Business), or `P2P` (Person to Person).
`purpose`	Payout purpose code. See purpose codes reference.
`country`	Country code. For Saudi Arabia, use `SA`.
`currency`	Source currency of the FX operation. For Saudi Arabia, use `SAR` or `USD`. Payouts are always paid in local currency to the beneficiary.
`amount`	Payout amount in `SAR`. Use up to 2 decimal places.
`beneficiary.first_name`	Beneficiary's first name. Maximum 10 characters. English and Arabic supported.
`beneficiary.last_name`	Beneficiary's last name. Maximum 50 characters. English and Arabic supported.
`beneficiary.business_name`	Beneficiary's business name. Mandatory only for B2B.
`beneficiary.address.street`	Beneficiary's street address. Maximum 35 characters. English and Arabic supported.
`beneficiary.address.city`	Beneficiary's city. Maximum 35 characters. English and Arabic supported.
`beneficiary.bank_account.branch`	Beneficiary's bank SWIFT code (8 or 11 alphanumeric characters in upper case).
`beneficiary.bank_account.account`	Beneficiary's bank account number. IBAN number. All Saudi IBANs begin with `SA` and are exactly 24 characters long. Ex: SA0380000000608010167519.
`remitter.first_name`	Remitter's first name. Maximum 50 characters. Mandatory only for remittance (P2P).
`remitter.last_name`	Remitter's last name. Maximum 50 characters. Mandatory only for remittance (P2P).
`remitter.document.type`	Remitter's document type. Type of identification document: `ID` for national ID, `PASS` for passport. Mandatory only for remittance (P2P).
`remitter.document.id`	Remitter's identification number. Maximum 45 characters. Mandatory only for remittance (P2P).
`remitter.birth_info.date`	Remitter's date of birth in ISO 8601 format (YYYY-MM-DD). Mandatory only for remittance (P2P).
`remitter.nationality`	Remitter's nationality. ISO 3166-1 alpha-2 code. Mandatory only for remittance (P2P).
`remitter.address.street`	Remitter's street address. Maximum 200 characters. Mandatory only for remittance (P2P).
`remitter.address.city`	Remitter's city. Maximum 40 characters. Mandatory only for remittance (P2P).
`remitter.address.postal_code`	Remitter's postal code. Maximum 20 characters. Mandatory only for remittance (P2P).
`remitter.address.country`	Remitter's country code in ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P).

Example request

{
  "external_id": "896986598",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2C",
  "purpose": "OTHER_SERVICES",
  "country": "SA",
  "amount": 1000,
  "currency": "SAR",
  "beneficiary": {
    "first_name": "Juan",
    "last_name": "Lopez",
    "address": {
      "street": "As Sulimaniyah",
      "city": "Riyadh"
    },
    "bank_account": {
      "branch": "SAMASARIXXX",
      "account": "SA0380000000608010167519"
    }
  }
}

{
  "external_id": "SA_B2B_001",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2B",
  "purpose": "OTHER_SERVICES",
  "country": "SA",
  "amount": 5000,
  "currency": "SAR",
  "beneficiary": {
    "business_name": "Tech Solutions LLC",
    "address": {
      "street": "King Fahd Road",
      "city": "Riyadh"
    },
    "bank_account": {
      "branch": "SAMASARIXXX",
      "account": "SA0380000000608010167519"
    }
  }
}

{
  "external_id": "SA_P2P_001",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "P2P",
  "purpose": "REMITTANCES",
  "country": "SA",
  "amount": 2000,
  "currency": "SAR",
  "beneficiary": {
    "first_name": "Ahmed",
    "last_name": "Abdullah",
    "address": {
      "street": "Al Olaya Street",
      "city": "Riyadh"
    },
    "bank_account": {
      "branch": "SAMASARIXXX",
      "account": "SA0380000000608010167519"
    }
  },
  "remitter": {
    "first_name": "Mohammed",
    "last_name": "Ali",
    "document": {
      "type": "ID",
      "id": "1234567890"
    },
    "birth_info": {
      "date": "1985-06-15"
    },
    "nationality": "SA",
    "address": {
      "street": "123 Main Street",
      "city": "Dubai",
      "postal_code": "12345",
      "country": "AE"
    }
  }
}