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How to Buy with Apple Pay SAR on AR-PAY

Apple Pay is a secure and convenient digital wallet, widely used in Saudi Arabia for online and in-store payments. When linked with SAR (Saudi Riyal) cards, it benefits from compliance with the Saudi Payments Network (Mada), ensuring seamless, safe, and SAMA-regulated transactions.

On AR-PAY, Apple Pay SAR provides a smooth checkout experience for digital goods, gift cards, game keys, mobile top-ups, and eSIMs—using your local currency without conversion.

How to Buy with Apple Pay SAR on AR-PAY (Step-by-Step)

  1. Select Your Product: Visit ar-pay.com, choose a digital product, and add it to your cart.
  2. Account Access/Verification: Log in or register. New users will need email and phone verification.
  3. Review Cart & Checkout: Confirm product and SAR amount, then proceed to payment.
  4. Select Payment Method: Choose Apple Pay SAR from available options.
  5. Authorize Payment: Authenticate using Face ID, Touch ID, or your device passcode via Apple Pay.
  6. Instant Delivery: Once payment is approved, your digital product is delivered immediately to your AR-PAY account.

Supported Countries and Regions

  • Saudi Arabia: Available for all Apple Pay users linked to SAR-denominated cards.
  • Other GCC / International Users: Accepted if your linked card is denominated in SAR and supports Apple Pay for online use.

Supported Currency

All transactions are processed in SAR. No currency conversion is needed. Exchange fees may apply only if your linked bank card uses a different currency.

Advantages of Using Apple Pay SAR on AR-PAY

  • Device-Specific Security: Each Apple Pay SAR transaction uses a unique device number and encrypted code instead of your real card number.
  • Biometric Authentication: Payments are authorized using Face ID, Touch ID, or a passcode, adding an extra layer of protection.

     
  • Enhanced Privacy: Your card details and purchase history are never shared with merchants or Apple, ensuring secure shopping.
  • Digital Wallet Management: Store and manage your SAR cards, tickets, and passes in the Wallet app for safe and easy access.
  • SAMA Compliance: Fully aligned with Saudi Arabian Monetary Authority (SAMA) regulations for trusted payments in Saudi Arabia.

Apple Pay SAR Features Overview

FeatureDetails
Payment TypeDigital Wallet / Online
ChannelWeb / Mobile
AvailabilitySaudi Arabia (SAR-linked Apple Pay cards)
Refunds✅ Yes
Partial Refunds✅ Yes
Chargebacks✅ Yes (via issuing bank)
Payment Confirmation✅ Instant
Buyer Protection✅ Yes (Apple Pay & bank protocols)
3D SecureNot required (biometric authentication used)

Using Apple Pay SAR on AR-PAY

  1. Select Apple Pay SAR during checkout
  2. Authenticate using Face ID, Touch ID, or passcode
  3. Complete the payment with a single tap
  4. Receive your digital item instantly

FAQs

Is it safe to use Apple Pay SAR?

Absolutely. Apple Pay uses tokenization, Face ID/Touch ID, and encrypted transactions—all under SAMA regulation for maximum safety.

Are there extra fees?

No AR-PAY fees beyond what’s displayed at checkout. Your bank may apply its own service fees.

Can I use it outside Saudi Arabia?

Yes, as long as your linked SAR card is enabled for international use, Apple Pay works globally on AR-PAY.

What if the payment fails?

You will receive instant notification. No product is delivered until the payment is confirmed.

How do I receive my product?

Once confirmed, the digital item will appear in the Order section of your AR-PAY account.

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