Payment Solutions
Payment gateway integration and aggregation for eCommerce and enterprise — supporting regional and international payment methods with high-volume transaction handling on scalable cloud infrastructure.
Why this matters
Saudi payment integration is harder than the gateway docs make it look. Local methods (mada, STC Pay, Tabby, Tamara) each have their own quirks; SAMA cyber framework + PCI DSS requirements add compliance overhead; ZATCA Phase 2 invoicing has to receive every paid transaction in real time; and once you scale past a few thousand transactions a day, the naive integration patterns the gateway tutorials show start dropping payments under load. Mantiqi has shipped payment integrations and an in-house payment aggregator (Pay-Sol) handling enterprise transaction volume across the Kingdom — we know which gateway behaves how, and we build flows that survive Black Friday traffic and SAMA audits both.
What We Deliver
How we deliver
- 01
Method + gateway selection
Week 1We map your customer mix (B2C / B2B / cross-border), ranking which payment methods you actually need vs which add operational drag, and produce a written recommendation covering gateway, fees per method, settlement timing, and the integration pattern that fits your stack.
- Method × customer-segment matrix
- Gateway shortlist with fee analysis
- Settlement + reconciliation pattern
- PCI scope assessment
- 02
Integration build
Weeks 2–6Gateway SDK integration with hosted payment pages or full server-to-server (Direct API) depending on PCI scope. Idempotent payment intents, webhook handlers with retry, refund + partial-refund flows, and ZATCA invoice issuance triggered by successful capture.
- Hosted-page or Direct-API integration
- Idempotent payment-intent layer
- Webhook handlers with replay + retry
- ZATCA invoice trigger on capture
- 03
Reconciliation + ops tooling
Weeks 5–8Reconciliation pipeline matching gateway settlement files against your orders, exception dashboard for stuck or mismatched transactions, refund queue with approval workflow, and audit-ready transaction history with PCI-safe redaction.
- Daily settlement reconciliation
- Exception dashboard + alerting
- Refund workflow with approvals
- PCI-redacted audit trail
- 04
Scale + monitor
OngoingAs volume grows, monitor authorization rates by method/issuer, A/B test fallback gateway routing, optimize fees by switching method-to-gateway routing per transaction profile. Most clients see 1-3% lift in successful-payment rate within the first quarter of monitoring.
- Per-method authorization-rate dashboards
- Fallback-gateway routing logic
- Quarterly fee + decline-code review
- On-call coverage for payment incidents
Frequently asked questions
Locally: HyperPay, Moyasar, Checkout.com (KSA tenant), PayTabs, Tap, STC Pay, Tabby + Tamara for BNPL. Internationally: Stripe (for cross-border), Adyen (for enterprise multi-region), and direct mada acquirer integrations. We've also built our own aggregator (Pay-Sol) handling high-volume merchant flows on AWS — so we know what scaling pain looks like from both sides.
Still have questions?
Our team is ready to help. Reach out and we'll get back to you as soon as possible.
Related Projects
🇸🇦 Saudi Arabia
TECHNOMID
Odoo Cloud ERP with Custom Modules
🇵🇰 Pakistan
Pay-Sol
High-Volume eCommerce Payment Aggregator
Free offer
Free payment-architecture review
Send us your current payment setup (gateways, methods, scale, pain points). We'll send back a written review covering your top 3 risks (PCI scope, scale ceiling, reconciliation gaps), recommended gateway / method changes, and a remediation plan. No sales call.
New gateway integrations typically scope at SAR 45,000–150,000 depending on payment-method count and PCI scope. Reconciliation + ops tooling SAR 80,000–200,000. Managed-payments retainer (monitoring, fee reviews, incident response) from SAR 12,000 / mo.
Get the review