Kuhlanganisa luhlelo lwakho noma sitolo se-inthanethi ne-payment gateway e-Saudi Arabia kutsatsa tinyatselo letisikhombisa: kuvula i-akhawunti yemtsengisi ngekubhaliswa kwebhizinisi noma ilayisensi yekusebenta ngekutimela kanye ne-akhawunti yebhange yaseSaudi, kutfola tikhiye tekuhlola, kukhetsa indlela yekuhlanganisa (i-plugin leseyilungile, lifomu lekukhokha lelibanjwe yi-gateway noma i-API ngco), kutfumela emanani ngema-halala, kucinisekisa yonkhe inkhokhelo kusuka ku-server yakho hhayi ku-browser, kuhlola ngemakhadi ekuhlola, bese ushintshela etikhiyeni temsebenti wangempela. I-Moyasar, i-Tap ne-HyperPay tontsatfu tiyemukela i-mada ne-Apple Pay; umehluko usetindleleni tekukhokha letengetiwe, emaveni, emathulusini abakhi kanye nekutsi imali ifika ngekushesha kangakanani. Ngisho yi-Moyasar noma yi-HyperPay ayishicileli inani lelingaguquki; licoco labo lekutsengisa liyalibeka ngekwanele kwekuhweba kwakho.
Kwekucala: cinisekisa kutsi i-gateway inelilayisensi ye-SAMA
IBhange Lelikhulu laseSaudi linika emalayisensi kubahlinzeki betinsita tekukhokha ngekwe-Melawu Yekusebentisa Umtsetfo Wetinkhokhelo Netinsita Tetinkhokhelo, leyakhishwa mhla ti-13 iNhlaba 2023. Ngekwe-simemetelo se-SAMA sami-22 Kholwane 2026, tinkampani letingu-33 bekunemalayisensi ekuhlinzeka ngetinsita tekukhokha. Ema-gateway lamatsatfu kulomhlahlandlela anemalayisensi:
- I-Moyasar: yanikwa lilayisensi yi-SAMA mhla lu-1 iNdlovu-lenkhulu 2022 kuze ihlinzeke ngetinsita tekukhokha te-e-commerce, njengenkampani yesi-16 lenelilayisensi (simemetelo se-SAMA).
- I-HyperPay: inkampani itsi i-SAMA yayinika lilayisensi lekuhlinzeka nge-wallet ye-elekthronikhi, lokwenta kutsi linani letinkampani letinemalayisensi ngaleso sikhatsi libe ngu-27 (simemetelo se-HyperPay).
- I-Tap: sitatimende senkampani sitsi inelilayisensi ye-SAMA yesikhungo setinkhokhelo nekutsi i-mada yacinisekisa buchwepheshe be-gateway yayo (sitatimende se-Tap).
Nanoma ngabe ukhetsa muphi i-gateway, sesha libito layo kuwebhusayithi ye-SAMA ngaphambi kwekusayina, ngobe libhange lelikhulu ngokwalo licela emabhizinisi kutsi asebentisane nebahlinzeki labanemalayisensi kuphela.
Kucatsanisa lokuphelele: i-Moyasar, i-Tap ne-HyperPay
Lokucatsanisa sikwakhe kusuka emakhasini lasemtsetfweni kanye nemibhalo yabakhi yenkampani ngayinye, njengoba bekunjalo mhla ti-2 Lweti 2026:
| Lokucatsaniswako | Moyasar | Tap | HyperPay |
|---|---|---|---|
| Tindlela tekukhokha | mada, Visa, Mastercard, American Express, STC Pay, Apple Pay, Samsung Pay | mada, emakhadi, Apple Pay, Google Pay, Samsung Pay, STC Pay, kanye nekukhokha ngetitolotolo nge-Tabby, Tamara ne-Deema | mada lenekuvunyelwa kwangaphambili, emakhadi, Apple Pay, Google Pay, kubhalisela lokuphindzaphindzwako |
| Indzawo | E-Saudi Arabia kuphela | E-Saudi Arabia kanye netindlela taseGulf njenge-KNET yaseKuwait ne-Benefit yaseBahrain | Likomkhulu lise-Riyadh; iphindze ibe se-UAE, eJordani, e-Oman, eQatar, e-Iraq, eLebanon naseBahrain |
| Tindlela tekuhlanganisa | Lifomu lekukhokha le-JavaScript, ema-SDK e-iOS, Android, Flutter ne-React Native, ema-plugin e-WooCommerce ne-Magento, ema-API etinkhokhelo, ema-invoyisi nekutfumela imali | I-SDK yewebhu, ema-SDK e-iOS, Android, React Native ne-Flutter, ema-plugin e-WooCommerce ne-Magento, ema-webhook | I-widget ye-COPYandPAY, i-API ye-server kuya ku-server, ema-SDK e-Android ne-iOS, ema-plugin etitolo, ema-webhook |
| Timakethe tebatsengisi labanyenti | I-API ye-Payouts | Split Payments | HyperSplits |
| Linani lelishicilelwe | Alishicilelwanga; licoco lekutsengisa lilibeka ngekwanele kwekuhweba | Cela linani ngekubhala | Alishicilelwanga; liyehluka ngekwelive lapho inkampani ibhaliswe khona |
| Kufika noma kubuyiswa kwemali | Kubuyiswa kwe-mada emahora langu-24 kuya emalangeni lasebenta langu-3; emakhadi esikweleti emalanga lasebenta langu-7 kuya ku-14 | I-mada ifika ngemalanga lasebenta langu-3, i-Visa ne-Mastercard ngangu-5, lokuncane ngu-100 SAR | Ngekwesivumelwano semtsengisi nebhange lelemukela tinkhokhelo |
| Tidzingo te-akhawunti | Kubhaliswa kwebhizinisi noma ilayisensi yekusebenta ngekutimela, i-akhawunti yebhange yaseSaudi; kuvunywa ngemalanga lasebenta langu-2 kuya ku-5 | Kucala nge-akhawunti ye-goSell yamahhala lenetikhiye tekuhlola | Emaphepha ancike ebhange lelemukela tinkhokhelo nakulive lekubhaliswa |
| Kuvikeleka lokushiwoko | Ihambisana ne-PCI-DSS | Indlela lekhetsekile yemakhadi lafihliwe emibhalweni yayo | PCI DSS, ISO 27001 ne-ISO 27701 |
Imitfombo: imibuto levame kubutwa ye-Moyasar kanye nemibhalo ye-Moyasar, imibhalo yabakhi ye-Tap kanye nelikhasi lekufika kwemali elusizweni lwe-Tap, iwebhusayithi ye-HyperPay, imibuto yayo levame kubutwa kanye nemhlahlandlela wayo wekuhlanganisa.
Nguyiphi i-gateway lelungele luhlelo lwakho?
- Utsengisa e-Saudi Arabia kuphela futsi ufuna kucala masinyane: i-Moyasar igcile e-Saudi Arabia, imibhalo yayo iseSi-Arabhu naseSingisi, futsi lifomu layo lekukhokha lisebenta ngemigca lembalwa yekhodi.
- Utsengisa emaveni aseGulf noma ufuna kukhokha ngetitolotolo: imibhalo ye-Tap ichaza i-KNET ne-Benefit, kanye ne-Tabby, Tamara ne-Deema nge-gateway lefanako.
- Inkampani lenkhulu noma lesebenta emaveni lamanyenti ema-Arabhu: i-HyperPay isebenta emaveni langu-8 futsi inikela ngekuvunyelwa kwangaphambili kwe-mada, lokusita emahhotela nekucashiswa kwetimoto lapho ubamba imali bese uyitsatsa ngemuva.
- Inkhundla noma imakethe lenebatsengisi labanyenti: tontsatfu tinikela ngelithulusi lekwabela batsengisi imali, ngako tikatsanise kulinani linye.
Ungakhetsi ngelinani kuphela. Cela kuyo yonkhe inkampani ngekubhala linani le-mada, linani lemakhadi esikweleti, imali lengaguquki yekuhweba ngakunye, imali yekubuyisa kanye nesikhatsi sekufika kwemali, bese ukusebentisa kutsengisa kwakho kwenyanga yinye yangempela.
Umhlahlandlela wekuhlanganisa ngetinyatselo
- Vula i-akhawunti yemtsengisi. I-Moyasar icela kubhaliswa kwebhizinisi noma ilayisensi yekusebenta ngekutimela kanye ne-akhawunti yebhange yaseSaudi lehlobene nako, futsi ihlola sitolo ngokwaso: imikhicito, titfombe, emanani kanye netinchubomgomo. Kuvunywa kuvame kutsatsa emalanga lasebenta langu-2 kuya ku-5 emaphepha nasaphelele.
- Tfola tikhiye tekuhlola. Tontsatfu tikunika indzawo yekuhlola. Ku-Tap, tikhiye tise-dashboard ngaphasi kwe-API credentials, kantsi ema-app eselula atfola tikhiye letikhetsekile letibophelelwe ku-bundle ID ye-iOS noma ku-package ID ye-Android. Gcina sikhiye lesiyimfihlo ku-server yakho kuphela, ungasifaki ngekhatsi ku-app noma ekhasini lewebhu.
- Khetsa indlela yekuhlanganisa. Uma sitolo sakho sisebenta nge-WooCommerce noma i-Magento, i-plugin leseyilungile yindlela lesheshako kakhulu. Kuluhlelo lolwakhelwe wena, cala ngelifomu lekukhokha lelibanjwe yi-gateway: lifomu le-Moyasar noma i-COPYandPAY ye-HyperPay. Lamafomu atfumela imininingwane yelikhadi ngco ku-gateway, ngako ayiphindzi idlule ku-server yakho futsi umtfwalo wakho we-PCI DSS uyancipha. Kuhlanganisa ngco kusuka ku-server kuya ku-server kukunika kulawula lokukhulu, kodvwa nemtfwalo lomkhulu wekuvikela.
- Tfumela emanani ngema-halala. Ku-Moyasar, 10 SAR ibhalwa ngekutsi 1000, futsi lokuncane ngu-100 halala. Liphutsa kulendzawo lisho kutsi likhasimende likhokha kaphindzwe kalikhulu noma inchenyana yalikhulu yelinani.
- Cinisekisa inkhokhelo kusuka ku-server yakho. Ungabhali kutsi ioda ikhokhelwe ngobe nje likhasimende libuyele ekhasini lekuphumelela; lelo kheli lingakhohliswa. Buta simo senkhokhelo kusuka ku-server yakho bese wemukela i-webhook. Imibhalo ye-HyperPay iyecwayisa kutsi ngalesinye sikhatsi ema-webhook angephuta ngemaminitsi lambalwa, ngako buta simo ngco uma usidzinga khona manje. Hlanganisa yonkhe imetamo yekukhokha nenombolo yinye yeoda kuze kuphindza kuzama kungamkhokhisi kabili likhasimende. Ku-HyperPay, sikhatsi sekukhokha siphela ngemuva kwemaminitsi langu-30 kakhulu.
- Hlola kwehluleka ngaphambi kwekuphumelela. Emakhadi ekuhlola e-Moyasar afaka ekhatsi emakhadi e-mada langu-8: linye liyaphumelela kantsi langu-7 ayehluleka ngetizatfu letehlukene, njengemali lenganele, likhadi leliphelelwe sikhatsi noma lelebiwe. Cinisekisa kutsi luhlelo lwakho lukhombisa umlayeto locacile esimeni ngasinye, lukhulula kubhukha noma lubuyisela imphahla esitokweni, bese uhlola kubuyiswa kwemali lokuphelele nalokuyincenye.
- Cala kusebenta ngempela. Shintja tikhiye, ukhokhe wena inkhokhelo lencane yangempela, uyibuyise, bese ubuka liviki lekucala: linani lekuphumelela kanye nekutsi imali yafika nini ku-akhawunti yakho.
Emaphutsa lakulahlekisela ngemali
- Kugcina imininingwane yemakhadi ku-database yakho. Awuyidzingi; i-gateway ikugcinela i-token uma ufuna kukhokha lokuphindzaphindzwako.
- Kulindza imali ngelilanga lelinye. Ku-Tap, imali ye-mada ifika ngemalanga lasebenta langu-3 kantsi yemakhadi ngangu-5, ngako hlela kugeleta kwemali yakho ngaloko.
- Kukhohlwa indlela yekubuyisa imali. Ku-Moyasar, likhasimende lilindza emalanga lasebenta langu-7 kuya ku-14 kuze libuyiselwe imali yelikhadi lesikweleti; litjele, ngaphandle kwaloko lingavula imphikiswano nebhange lalo.
- Likhasi lekukhokha lelidze. Yonkhe indzawo letengetiwe ikulahlekisela ngemtsengi; umhlahlandlela wetfu welikhasi lekukhokha ukhombisa kutsi unganciphisa njani kushiywa kwetinkalishi.
Uma ufuna tisekelo kucala, fundza kuhlanganisa i-mada, Apple Pay ne-STC Pay ku-app yakho. Uma unesitolo futsi ucabanga kwemukela tinkhokhelo ngeselula, fundza lesikwatiko nge-Tap to Pay e-Saudi Arabia. E-Origami sihlanganisa tinhlelo netitolo tetinkampani nema-payment gateway futsi sihlola kuhlanganisa ngaphambi kwekwetfulwa; sitsintse uma ufuna kutsi sikwentele loku.
Imitfombo
- IBhange Lelikhulu laseSaudi: tinkampani tekukhokha letingu-33 letinemalayisensi, mhla ti-22 Kholwane 2026
- IBhange Lelikhulu laseSaudi: lilayisensi le-Moyasar Financial Company, mhla lu-1 iNdlovu-lenkhulu 2022
- IBhange Lelikhulu laseSaudi: Imitsetfo Yekusebentisa Umtsetfo Wetinkhokhelo Netinsita Tetinkhokhelo
- I-HyperPay: i-SAMA inika inkampani lilayisensi le-wallet ye-elekthronikhi
- I-Tap: kucinisekiswa kwe-payment gateway yi-mada
- I-Moyasar: imibuto levame kubutwa
- I-Moyasar: kuhlanganisa lifomu lekukhokha kanye nemakhadi ekuhlola
- I-Tap: umhlahlandlela wekucala wabakhi
- I-Tap: imali ifika nini ema-akhawuntini emabhange e-Saudi Arabia
- I-HyperPay: umhlahlandlela wekuhlanganisa, COPYandPAY kanye nema-webhook
- I-HyperPay: imibuto levame kubutwa
Imibuto lejwayelekile
Nguyiphi i-payment gateway lencono e-Saudi Arabia: i-Moyasar, i-Tap noma i-HyperPay?
Ayikho lenye lencono kubo bonkhe. I-Moyasar igcile e-Saudi Arabia futsi icala masinyane, i-Tap ilungele labo labatsengisa emaveni aseGulf noma labafuna kukhokha ngetitolotolo nge-Tabby ne-Tamara, kantsi i-HyperPay ilungele tinkampani letinkhulu letisebenta emaveni lamanyenti. Catsanisa emanani labhaliwe nekutsengisa kwenyanga yinye yangempela.
Ema-payment gateway e-Saudi Arabia abiza malini?
I-Moyasar ne-HyperPay akashicileli inani lelingaguquki emakhasini abo lasemtsetfweni; licoco labo lekutsengisa liyalibeka ngekwanele kwekuhweba noma ngelive lekubhaliswa. Cela kuyo yonkhe i-gateway ngekubhala linani le-mada, linani lemakhadi, imali lengaguquki kanye nemali yekubuyisa.
Ngiyakudzinga yini kubhaliswa kwebhizinisi kuze ngihlanganise i-payment gateway?
I-Moyasar yemukela kubhaliswa kwebhizinisi noma ilayisensi yekusebenta ngekutimela kanye ne-akhawunti yebhange yaseSaudi lehlobene nako. Ku-HyperPay, emaphepha ancike ebhange lelemukela tinkhokhelo nakulive lapho inkampani yakho ibhaliswe khona.
Imali ifika nini ku-akhawunti yami?
Ku-Tap, imali ye-mada ifika ngemalanga lasebenta langu-3 kantsi ye-Visa ne-Mastercard ngemalanga langu-5, lokuncane kungu-100 SAR. Ku-HyperPay, kufika kwemali kulandzela sivumelwano sakho nebhange lelemukela tinkhokhelo.
Kufanele ngigcine yini imininingwane yemakhadi emakhasimende eluhlelweni lwami?
Cha. Sebentisa lifomu lekukhokha lelibanjwe yi-gateway kuze imininingwane yelikhadi iye khona ngco, futsi uma udzinga kukhokha lokuphindzaphindzwako gcina i-token lenikwa yi-gateway, hhayi inombolo yelikhadi.
