Industry Solutions
Retail & E-Commerce
From POS systems and inventory management to AI-powered product recommendations and omnichannel customer experiences. We help Saudi retailers modernise their operations, integrate online and offline channels, and comply with ZATCA e-invoicing requirements.
Why this matters
Saudi retail has converged into something distinctively local in 2026: customers expect Mada at checkout, STC Pay on mobile, Apple Pay on iOS, Tabby or Tamara above SAR 200 AOV, and a ZATCA-compliant tax receipt the moment they pay — across web, in-store POS, and marketplace channels simultaneously. Add ZATCA Phase 2 clearance obligations, SAMA payment compliance, Ministry of Commerce consumer-protection rules, and SFDA categories for food / cosmetics / health products, and the retail stack stops being a single platform decision. Mantiqi builds the unified commerce + payments + ZATCA + analytics layer that lets you sell across every channel without the back office breaking.
Industry Challenges
Disconnected online and offline sales channels
Manual inventory management leading to stockouts or overstock
ZATCA Phase 2 e-invoicing compliance deadlines
Lack of personalised customer experiences
Our Solutions
Unified commerce platforms connecting POS, website, and marketplace
AI-driven demand forecasting and inventory optimisation
ZATCA-compliant e-invoicing integrated with Odoo or custom ERP
Personalisation engines using purchase history and browsing behaviour
How we deliver
- 01
Channel + compliance scope
Weeks 1–2
We map your current channels (web, marketplace, retail POS, social commerce) against ZATCA Phase 2 obligations, SAMA payment-method coverage, SFDA product-category rules, and Ministry of Commerce e-commerce regulation. Output is a written architecture for unified commerce + payments + tax + inventory.
- Channel map (web / POS / marketplace / social)
- ZATCA + SAMA + MoC + SFDA compliance plan
- Inventory + fulfilment architecture
- Customer data + personalisation strategy
- 02
Commerce + payments build
Weeks 3–9
Unified commerce platform (Odoo, custom, or hybrid) connected to your POS, marketplaces, and the SAMA-licensed payment aggregator. Every checkout supports Mada + 3DS2, STC Pay, Apple Pay, Tabby, Tamara as table stakes. Inventory stays consistent across channels in real time.
- Unified commerce platform
- Mada + STC Pay + Apple Pay + BNPL integrations
- Real-time inventory + omnichannel fulfilment
- Marketplace connectors (Noon, Amazon SA, Salla, Zid)
- 03
ZATCA + tax automation
Weeks 7–10
B2B clearance + B2C tax-receipt reporting through ZATCA's Fatoora platform — UUID and QR code on every receipt within the right timing windows. Wired directly into the checkout webhook so it never lands as a manual finance task. Reconciliation dashboard for finance to close the period without spreadsheets.
- ZATCA Phase 2 clearance + reporting pipeline
- B2B + B2C tax-receipt templates
- VAT 15% automated calculation
- Finance reconciliation dashboard
- 04
Personalisation + scale
Ongoing
AI-driven product recommendations, demand forecasting, and customer segmentation layered on top of the unified commerce data. Mobile app upgrades, AI agents for customer service, and incremental channel additions as the business grows. Quarterly system + regulatory reviews keep the posture intact.
- AI personalisation engine
- Demand forecasting + inventory optimisation
- AI customer-service agents (WhatsApp + chat)
- Quarterly system + ZATCA review
What clients see
Every Saudi payment method on every channel
Mada + 3DS2, STC Pay, Apple Pay, Tabby, Tamara wired in once, surfaced everywhere
ZATCA-cleared receipts at checkout
B2B clearance + B2C reporting fires from the success webhook, no manual upload
One inventory truth across channels
POS, web, marketplaces and fulfilment update in real time — no overselling, no oversold returns
Compliance & regulators we work with
B2B invoices clear through Fatoora before delivery; B2C tax receipts report within 24 hours with QR + UUID. Every transaction in a Saudi retail surface wires through this pipeline.
Mada is mandatory for in-Kingdom card transactions with 3-D Secure 2.0 on every online flow. Direct integration requires SAMA PSP registration; aggregator route keeps you under SAQ A PCI scope.
The Saudi E-Commerce Law and consumer-protection rules govern terms, refund policies, advertising, and influencer disclosures. The Maroof platform registers e-commerce merchants and underpins consumer trust signals.
Retailers selling food, cosmetics, health products, or medical devices need SFDA category-specific registration and labelling compliance. Product imports also route through SFDA clearance.
Customer personal data, purchase history, and behavioural signals are PDPL-scoped. Particularly load-bearing for personalisation engines, retargeting, and cross-border ad-tech integrations.
VAT applies at 15% across most retail categories. Calculation, line-item display, and refund handling all wire through the tax engine at the platform level rather than as a per-channel afterthought.
Services for Retail & E-Commerce
Odoo ERP
Full-cycle Odoo deployments for Saudi businesses — from cloud setup to custom mo...
ZATCA E-Invoicing & Compliance
End-to-end ZATCA Phase 2 e-invoicing implementation and Saudi regulatory complia...
Payment Solutions
Payment gateway integration and aggregation for eCommerce and enterprise — suppo...
Web & WordPress
Professional websites, portals, and web applications — from institutional and co...
AI Agents & Agentic Workflows
Purpose-built AI agents that autonomously execute complex business workflows — f...
Frequently asked questions
Retail & E-Commerce questions our team hears most often.
Retail tech sits under several authorities: ZATCA for VAT and Phase 2 e-invoicing (B2B clearance + B2C tax-receipt reporting), SAMA for payment processing, the Ministry of Commerce for consumer-protection rules and electronic-commerce regulation, and the SFDA for food, cosmetics, and health-product categories. Mada is the mandatory in-Kingdom debit network and 3-D Secure 2.0 is required on every online card transaction.
Yes. Every transaction in a Saudi e-commerce flow must trigger a ZATCA Phase 2 invoice — B2B clears through the Fatoora platform before delivery, B2C tax receipts report within 24 hours with the clearance UUID and QR code on the receipt the customer sees. We wire this directly into the checkout webhook so it never lands as a manual finance task. Our Saudi payment gateway integration guide covers the adjacent payment-method wiring.
Mada (required, 3DS2 on every online flow), STC Pay (digital wallet), Apple Pay (growing fast on iOS), and BNPL via Tabby and Tamara for AOVs above SAR 200. We typically integrate via a SAMA-licensed aggregator (HyperPay, PayTabs, Moyasar, Checkout.com SA) to keep the merchant under SAQ A PCI scope rather than a full PCI Level 1 audit. The right aggregator depends on volume and engineering preferences.
Yes. Odoo POS (or a similar engine) syncs to the web storefront, Noon / Amazon SA / Salla / Zid marketplaces, and any custom checkout via real-time inventory and unified-order workflows. The same platform feeds ZATCA-cleared tax receipts whether the sale happens in a Riyadh store, on the web, or via WhatsApp Business commerce.
AI personalisation runs on top of the unified commerce data — purchase history, browsing behaviour, RFM segmentation — producing product recommendations on web, AI-driven push notifications on mobile, and demand forecasts that feed the buying team's reorder cycle. All under the SDAIA PDPL with clear consent and opt-out workflows.
No — Mantiqi is an engineering partner, not a regulated merchant or payment service provider. We build and operate the technical surface (commerce platform, payments wiring, ZATCA pipeline, personalisation) while you carry the Ministry of Commerce / Maroof registration as the merchant and route payments through a SAMA-licensed aggregator.
Plan on 8–12 weeks for a typical mid-market retailer: 2 weeks of channel + compliance scoping, 5–8 weeks of build (platform + payments + ZATCA + marketplace connectors), and 1–2 weeks of UAT and cutover. Enterprise omnichannel deployments with multi-warehouse fulfilment and multiple legal entities add 3–6 weeks.
Common patterns: full Odoo unified commerce rollouts (POS + web + ZATCA + payroll), AI personalisation layers on top of existing platforms, ZATCA Phase 2 retrofits for retailers caught short by Fatoora deadlines, marketplace + POS connectors, WhatsApp Business commerce flows, and AI customer-service agents. Engagement scope is set during discovery based on which channels are load-bearing for your revenue.
Still have questions?
Our team is ready to help. Reach out and we'll get back to you as soon as possible.
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Retail & E-Commerce Articles
Expert insights and technical guides for retail & e-commerce businesses in Saudi Arabia.
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