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What is SNB ePay?

SNB ePay provides corporate clients with a highly secure bridge to process Credit Card & Mada debit card transaction over the internet. SNB ePay allows your website to collect and process Credit Card & Mada debit card directly over the Internet.

Types of Integration


Merchants will not be able to collect or store any Credit Card details. Instead, clients will be re-directed to pay on SNB ePay.


Merchants store all Credit Card details at their end. Clients do not see SNB ePay pages because all credit card verifications take place behind the scenes.

Supported Payment Transactions

·         PURCHASE

This is a single transaction, where the payment is finalized upon authorization. The cardholder's limit is adjusted, and the funds are immediately transferred into the merchant's account.


Transactions are authorized twice to confirm the availability of funds by the card issuer, the amount is later captured by the merchant.


A form of Batch Payment processing, where the amount is debited on a monthly basis from the cardholder.

.          REFUNDS & VOIDS

Merchants can refund and void through the SNB ePay Portal.

Supported Cards

SNB ePay supports the following cards:

·         Mada

·         VISA

·         MasterCard

·         UnionPay

*All online transactions are real-time and use VISA & MasterCard authorization.

Supported Currencies

·         SA Riyals

·         US Dollars

·         GB Pounds

·         EU Euros

*Merchants can offer the product or service in any of these currencies, but settlement will be in Saudi Riyal.

Different Integration Channels

Our SNB ePay Gateway is capable of integrating with any existing channel including:

·         Internet

·         IVR – Interactive Voice Recognition.

·         Two-way SMS Gateway.

·         POS (Point of Sale).

·         M-Commerce.

·         Kiosks.

·         PDA's

Security Features

·         V by V (Verified by VISA) and 3D Secure (MasterCard Secure Code) certified.

·         128 bit SSL (Secure Sockets Layer) encryption technology.

·         PCI (Payment Card Industry) security and compliance program certified.

·         Each merchant is supplied with a password protected online portal to monitor, manage and generate online transactions reports.

·         Payment pages and client data are hosted behind our firewalls in order to enhance security for your business and safeguard your client from any fraud.

Merchant Administration

Each merchant will have a Merchant Administration portal that allows Merchants to:

·         Monitor and manage online transactions.

·         Configure security, privileges and account settings.

·         Generate reports.

·         Download transactions.

Technology System

·         MIGS

·         MPGS

·         CyberSource

Registration in SNB ePay

Merchant's requirements to register in SNB ePay:

·         SNB account.

·         An online shop.

·         A valid Saudi Arabian Commercial Registration.

How to apply?

For more information, please call SNB's Cash Management Unified Number: 920024288

Points of Sale

For corporates & establishments

Self-register to obtain a POS terminal from your place anytime anywhere

*Terms and conditions apply

*Apply for a POS through SNB eCorp 

Features & Benefits

·         Expand payment options by accepting MADA, Visa, MasterCard, AMEX and Maestro, Gulf Pay cards, and Union Pay.

·         Provide your client with easy payment options

·         Saves time and improve efficiency

·         Quick and easy to use, compact, small and simple terminals

·         Smart chip and PIN compliant, minimizes potential card fraud

·         Get quick transaction approval and get credit to your SNB account

·         Easy reconciliation with end of day transaction report

·         Interactive voice response service (IVR) to receive requests for maintenance and financial claims around the clock

·         POS e-statement on SNB eCorp allows the merchant to constantly review and monitor the financial transactions made through his/her POS

·         Activate Naqd service where it allows clients to request a cash amount up to SAR 400 at the Point of Sale which will be deducted directly from their bank account along with their purchase amount.

For more information please select Naqd Service Guide, and please contact us at 920000856 And to activate the service, fill in the "Required Form" then submit it to the nearest SNB branch.


  • SNB account.
  • An online shop.
  • A valid Saudi Arabian Commercial Registration. ​​​​


For more information call SNB's Cash Management Number920024288 ​​