Coming to Saudi Arabia

Payment infrastructure for the Kingdom.

Super apps, digital wallets, marketplaces and payment gateways for banks, fintechs, telcos, merchants and government. All under your brand, ready to launch.

باي ماك · بسرعة ماخ

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10 countries with national gateways built by our team20+ years in the Saudi market
10countries where our team built national payment gateways
20+years of experience in the Saudi market
5flagship solutions, white-label by design
70+MiniApps across merchant and consumer super apps
20+modular systems across the payment lifecycle

Who we serve

Built for the institutions that move money.

One platform and one integration for every part of the ecosystem. We have built and run payment infrastructure for banks, fintechs and telcos.

01

Banks

Super apps, wallets and gateways under your brand.

02

Fintechs

Launch faster on payment rails that are ready to run.

03

Telcos

Mobile wallets, merchant networks and marketplaces.

04

Merchants

Accept, sell and grow, in store and online.

05

Government

Revenue, tax and social payments, collected and paid out.

Our solutions

Five flagship solutions, one platform.

Each one launches under your brand, connects to your systems and grows with MiniApps and engines you switch on by configuration.

Solution 01 · التطبيق الشامل للتجار

Run the whole business from one app.

20+ MiniApps

A white-label super app that turns any phone into a complete business: accept every payment, get paid remotely, sell online, pay people and grow.

  • Accept card, tap-to-phone, QR, wallet, cash and loyalty points
  • PayLinks for invoices and products, sent by SMS or chat
  • Online store builder and a B2B marketplace
  • Live balance, sales analytics and VAT reporting
  • Payroll, supplier payments and bulk payouts
  • Bills, cash in and out, and remittance as extra income
Explore the full solution →
Merchant Super App

Journey

Five steps, as your customers see them.

  1. Onboard1OnboardSelf, agent and bulk, with KYC/KYB
  2. Accept2AcceptCard, tap-to-phone, QR, wallet, cash
  3. Operate3OperateLive balance, staff and inventory
  4. Settle4SettleFees, payouts and split settlement
  5. Grow5GrowOnline store, loyalty and VAS

Screens are illustrative mock-ups with sample data.

Specialized engines

Engines that power every solution.

Add them to any PayMach solution or run them on their own, connected to your existing systems.

محرك الاشتراكات

Subscription Engine

Recurring billing, retries and dunning

Explore the engine →
إدارة الاحتيال

Fraud Management

Real-time rules, risk scores and cases

Explore the engine →
محرك الترميز

Tokenization Engine

Card tokens in an HSM-backed vault

Explore the engine →

MiniApps

Switch on what your customers need next.

MiniApps go live by configuration, without a new app release. Pick from the catalogue, or have us build one for you.

Merchant Super App

20+

Payments acceptance

  • SoftPOS
  • PayLink
  • QR code payments
  • Recurring payment
  • Split payment
  • Save now, buy later
  • Sell now, collect later

Commerce

  • E-commerce store builder
  • B2B marketplace
  • Pay at table
  • Instalments · mBNPL
  • Promos and notifications
  • Retail ECR solution

Disbursements

  • VCN issuance
  • Corporate payroll
  • Bulk payouts
  • Suppliers payment
  • Split settlement
  • Cash in · out

Value-added

  • Bill payments
  • PUDO operations
  • Remittance
  • Agent services
  • Business analytics
  • VAT reporting

Consumer Super App

50+

Financial services

  • Payments and cards
  • Remittance
  • Gold and stocks
  • Fractional investing
  • Saving boxes
  • Instalments and mBNPL
  • Money circles

Commerce

  • Mall
  • Bills and top-up
  • Insurance marketplace
  • Pharmacy
  • Transport and travel
  • eSIM market
  • Gift cards

Communities and social

  • Sporting clubs and events
  • University campus
  • Residential compounds
  • Ticketing
  • Donations and e-Waqf
  • Family banking

Everyday services

  • Islamic utilities
  • Loyalty points
  • Health tracker
  • Currency FX
  • Real estate
  • Government services

Solution portfolio

Every layer of digital payments.

More than 20 modular systems for national infrastructure, acquiring, real-time money movement, digital commerce and super-app ecosystems.

Core payment systems

Omni-channel payment gatewayRemittance hub and orchestrationInstant payment systems (IPS)Universal QR paymentsDisbursements and payoutsConsumer super app (50+)Merchant super app (20+)Digital wallet system

Specialized engines

Subscriptions and recurringMerchant managementEscrow managementTokenizationDynamic currency conversionTransaction risk managementIssuer authentication: 3DS · ACSBNPL system

Value-added systems

Store and marketplace builderGovernment revenue collectionTax reporting and collectionBill presentment and paymentPay-at-tableTerminal management systemDigital onboardingPOS hardware and applications

Built for the Kingdom

Your rails. Your data. Your rules.

Run the platform in your own data centre or in an in-Kingdom cloud, with the routing, resilience and controls that regulators expect.

  • On-premise or in-Kingdom cloud deployment
  • Data residency, audit trails and role-based access
  • Smart routing and failover across acquirers and schemes
  • Zero-trust edge: WAF, DDoS protection, mTLS and rate limits
  • Cloud-native and observable, delivered on Kubernetes
Talk to an architect

Solution architecture

  1. L1ChannelsApps · Web portal · Back office · Checkout, links and QR · Partner APIs
  2. L2Edge and identityCDN · DDoS · WAF · API gateway · SSO, MFA and device trust
  3. L3Control planeUnified API · CMS · Policy, limits and fees · Workflows · RBAC
  4. L4Business servicesOnboarding and KYB · Outlets and staff · VAS and bills · Support · Loyalty
  5. L5Financial coreWallet ledger · Payment gateway · Routing · Cards · SoftPOS · Settlement
  6. L6Shared servicesNotifications · Statements · AML and fraud · Configuration · Scheduler
  7. L7IntegrationsBanks · Card schemes · Acquirers · KYC · Billers · CRM and e-sign
  8. L8InfrastructureDatabase per service · Event bus · Cache · Storage · Kubernetes

Vision 2030

Built for a cashless, connected Kingdom.

لرؤية 2030 ومملكة رقمية بلا نقد

Every flow of money between people, businesses and government, in real time and on one platform.

  • P2PTransfers and remittance
  • P2BRetail and bills
  • P2GFees and Zakat
  • B2PSalaries and payouts
  • B2BSupplier payments
  • B2GTaxes
  • G2PSocial payments
  • G2BIncentives

How we deliver

From first workshop to national scale.

Start with what you need today, then add channels, engines and markets by configuration.

  1. 1DiscoverGoals, regulation, channels and target KPIs
  2. 2DesignArchitecture, integrations and your brand
  3. 3Integrate and certifySchemes, banks, wallets and security
  4. 4LaunchPilot, onboarding and go-live support
  5. 5ScaleNew products, markets and managed operations
P · M / ب · م

About PayMach

A group of payment experts.

We have built and run national payment infrastructure across the region, for banks, fintechs and telcos. Now we bring that experience to Saudi Arabia, under one brand: PayMach.

Mach is the speed of sound, and the machine learning behind modern payments. Our mark reads in two scripts: P and M for PayMach, and ب and م for باي ماك.

ENGLISH

P · M

ARABIC

ب · م

Contact

Talk to the right team.

Tell us what you want to launch. A solution architect will come back to you with a demo and a plan for your market.

Company
PayMach Company · شركة بايماك
Office
Riyadh, Kingdom of Saudi Arabia

We reply within two working days.