MADA on ARPAY – Complete Guide to Buying Products
Mada is Saudi Arabia’s national debit and prepaid card network, managed by the Saudi Central Bank (SAMA). It connects all ATMs and POS terminals in the Kingdom to a centralized switch, enabling secure contactless and online payments.
Co-branded with Visa, Mastercard, and GCC NET, Mada supports both domestic and international transactions via Visa/Mastercard rails
ARPAY supports Mada payments in Saudi Riyals (SAR), allowing users to purchase digital items, such as gift cards, game keys, mobile top-ups, and eSIMs.instantly and securely through their Mada cards or Mada Pay app.
How to Buy with Mada on ARPAY (Step-by-Step)
- Visit ARPAY and select your product: Browse and add your chosen digital product to your cart.
- Account login/verification: Sign in. New users verify their email and phone number.
- Review your cart: Confirm item and amount, then proceed to payment.
- Select payment method: Choose Mada (SAR) from available options.
- Complete payment: Enter your Mada card details or use Mada Pay app. Authorize via OTP or app confirmation.
- Receive your product: Upon successful payment, the digital item is delivered instantly under "Orders".
Supported Countries and Regions
- Saudi Arabia – fully supported for online transactions only.
- International usage via co-branded Visa/Mastercard rails is available; ARPAY currently supports domestic SAR payments only.
Supported Currencies
- Processing Currency: SAR
Mada transactions on ARPAY are processed in Saudi Riyals. Currency conversion fees may apply when using a foreign currency card issuance system, handled by your bank.
Advantages of Using Mada on ARPAY
- High Security: Three‑D Secure-enabled with tokenization.
- Instant Product Delivery: Immediate access to digital goods with real-time confirmation.
- Domestic Acceptance: Supports the primary payment network across Saudi Arabia.
- Global Reach: Enables international transactions through co‑brand network compatibility
Mada Features Overview
| Feature | Details |
| Payment Type | Debit/Prepaid (Mada/Mada Pay) |
| Channel | Online |
| Availability | Saudi Arabia |
| Refunds | ✅ Yes |
| Partial Refunds | ✅ Yes |
| Chargebacks | ✅ Yes (through issuing bank/SAMA) |
| Payment Confirmation | ✅ Instant |
| Buyer Protection | ✅ Yes (via bank + SAMA safeguards) |
| 3D Secure | ✅ Yes |
| Recurring Transactions | ✅ Supported by gateway, SAMA permits e‑commerce use |
Using Mada on ARPAY at Checkout
- Select Mada (SAR) as the payment option.
- Enter Mada card or Mada Pay details, authenticate (OTP/app confirmation).
- Complete transaction, then receive your digital product immediately.
FAQs
Is it safe to use Mada on ARPAY?
Yes. Mada employs secure payment standards such as 3D Secure, tokenization, and SAMA’s regulatory oversight
Are there extra fees?
No service fees from ARPAY. Standard network fees only apply.
Can I use Mada abroad?
Yes, Online purchases through co-branded Visa/Mastercard are allowed. ARPAY only supports SAR transactions currently .
What if payment fails?
Failed transactions are immediately canceled; no product is delivered. Retry or use another method.
How do I receive my product?
Delivered instantly under the “Orders” section in your ARPAY account once payment succeeds.