THe SADAD payment system was established by the Saudi Arabian Monetary Agency (SAMA) to be the national electronic bill presentment and payment (EBPP) service provider for the Kingdom of Saudi Arabia (KSA). The core mandate for SADAD is to facilitate and streamline bill payment transactions of end consumers through all channels of the Kingdom’s Banks. SADAD was launched on October 3, 2004.

SADAD links the commercial sector and local banks, offering the ability to collect customer payments electronically through all the banking channels in the kingdom 24 hours a day.

History and background

SAMA mandated that all banks must accept bill payments at their branches from anyone. The payer does not have to be a customer of the bank. Pre-SADAD economics of bill payment placed an unduly large burden on banks; it was inefficient and slow. Banks recovered a small portion of the cost through keeping the collected money for varying periods of 7–30 days after the bill was paid.

Approximately 60-70% of bills were paid in cash at bank branches. Due to the high number of bills generated in the Kingdom, this results in high costs for banks in front office, payment processing, IT integration and reconciliation. In addition, consumers queue for a long time at banks’ front office desks before paying their bills. Bill presentment and collection is largely manual and paper-based creating significant inefficiencies and overheads for billers and banks.

Large billers formed bilateral agreements with banks in order to enhance bill payments collection. This enabled consumers to use their bank channels to view and pay bills (without any bill consolidation). It required every biller to connect to the twelve different banks operating in KSA and from banks to connect separately to every biller they are under contract with.

SAMA chose to integrate these connections through SADAD, which is a single platform that links different billers and banks to enable consumers to use the electronic channels of any bank. SADAD is now facilitating the payment of high-volume periodic bills (such as utility bills and phone bills) and customer initiated payments, such as traffic fines.

How SADAD works

  1. Billers send summary bills information to SADAD at a pre-determined schedule
  2. SADAD validates data received and uploads it into its database
  3. SADAD notifies billers of any discrepancies
  4. Customer requests bill information through bank channels
  5. The bank forwards the request received to SADAD
  6. SADAD retrieves bill information from its database and forwards it to customer
  7. Customer selects the bills to be paid and the respective amounts
  8. The bank debits the customer account and confirms the transaction
  9. SADAD updates its database based on the bank’s confirmation
  10. SADAD notifies relevant billers accordingly
  11. At the end of the day, billers receive reconciliation reports from SADAD showing a breakdown of all transactions processed by SADAD
  12. At the end of the day, SADAD initiates settlement instructions through SARIE
  13. SADAD updates bills status to ‘settled’

Connected billers

Billers connected to SADAD[1]
Biller Code
Educational services (9)
King Abdulaziz University 9
Al Yamamah University 72
King Saud University 80
Arab Open University (AOU) 17
King Abdulaziz City for Science and Technology (KACST) 105
Taibah University 106
King Faisal University 118
King Fahd University of Petroleum and Minerals 117
Umm al-Qura University 132
Saudi Electronic University 137
Financial and insurance services (20)
SHB Credit Cards 31
Samba Financial Group (credit card) 12
NCB (credit card and personal finance) 16
American Express 18
Awan For Market Data 39
Mubasher 34
Falcon Credit Card from NCB 56
Bank Al-Jazira Credit Card and Financing Services 78
Arab National Bank 82
Al-Rajhi Bank 54
Riyad Bank 67
Saudi Credit Bureau (SIMAH) 36
Banque Saudi Fransi 71
Emirates NBD 125
Nayifat Installment Company 124
Al Rajhi Takaful 110
Bupa Arabia for Cooperative Insurance 130
Arabian Shield Cooperative Insurance Company 136
Government services (65)
Madina Municipality 6
Ministry of Water and Electricity 15
Riyadh Municipality 10
The Department of Zakat and Income Tax 20
Holy Makkah Municipality 27
Jeddah Municipality 28
Communications and Information Technology Commission 42
Eastern Province Municipality 25
Jeddah Chamber of Commerce and Industry 19
The Saudi Arabian Agricultural Bank 45
Saudi Arabian Standards Organization 49
Saudi Customs 30
Ministry of Commerce and Industry 13
General Commission for Tourism and Antiquities 57
Saudi Credit and Saving Bank 58
Tabouk Province Municipality 62
Hail Province Municipality 61
Jazan Province Municipality 64
Ministry of Transport 75
Qiyas 8
Ministry of Culture and Information 51
Ministry of Labor 50
Riyadh Chamber of Commerce and Industry 73
AlQassim Province Municipality 70
Real Estate Development Fund 40
The Saudi Industrial Property Authority (Modon) 68
The General Organization for Social Insurance (GOSI) 60
Aseer Province Municipality 84
Ministry of Finance 88
MOI-Alien Control 90
MOI-Driving License 91
MOI-Saudi Passport 92
MOI-Traffic Violation 93
MOI-Motor Vehicle 94
MOI-Labour Importation 95
MOI-Civil Registration 96
Najran Province Municipality 87
AlJouf Provence Municipality 103
Saudi Ports Authority 89
Ministry of Islamic Affairs (MOIA) 77
Ministry of Social Affairs (Global Goodness) 66
Municipality of Northern Borders 102
Saudi Food And Drugs Authority 109
General Authority of Civil Aviation 98
Baha Province Municipality 104
AlAhsa Municipality 112
Royal Commission in Yanbu (RCY) 46
Taif Municipality 113
Saudi Arabian General Investment Authority (SAGIA) 108
Deputy Ministry for Mineral Resources (DMMR) 116
ABHA Chamber of Commerce and Industry 114
MOI Deportation Sentences 126
MOI Deportation Control 127
Ministry of Health 128
Saudi Council of Engineers 123
Government E-Procurement Project 141
Industrial Cities Development and Operating Co. 145
Saudi Heart Association 133
Ejar 153
Economic Cities Authority 154
Royal Commission for Jubail 146
Saudi Industrial Development Fund 143
ASHARQIA Chamber 139
Ministry of Foreign Affairs 101
Ministry of Justice 160
Ministry of Municipal and Rural Affairs 177
Other services (18)
Maestro Pizza 1041
Alyusr Instalment Co. 24
AlYamamah Press Establishment 47
Al-Jazirah Newspaper 53
Arab Media Company 76
Aljomaih Automotive Company 52
Al Amthal Financing and Leasing Co. Ltd. 79
Dar Alyoum Pressing, Printing and Publishing 74
Tajeer Company 63
Aljabr Trading Company 86
United Instalment Sales Company 65
Al-Hamrani Company for Investment in Trade 23
United Electronics Company (Extra) 134
Saudi Commission for Health Specialties 129
Arabian Tasheelat Establishment (Tasheel) 131
Saudi Home Loans 147
AQSAT International Trading Company 69
Dar Al-Hayat for Distribution 121
Mawarid 157
Technology and media (10)
SaudiNet 38
Cyberia 59
Showtime 32
Sahara Net 48
AwalNet 41
Saudi Business Machines 83
Integrated Telecom Company 55
Al-Elm Information Security 85
Ola Almajd Trading Co. (Al Majd TV) 81
Thiqah Business Services 144
Telecommunications and utilities (19)
Saudi Telecom Company 1
Saudi Electricity Company 2
Mobily 5
Marafiq 4
The Saudi Home PC Initiative 7
Bravo 14
Saudi Post 21
Cadre Economic Cities 35
Zain Telecommunication Company 44
Go Telecom (Etihad Atheeb Telecom) 33
Saudi Project for Utilization of Hajj Meat 43
Perfect Presentation Telecommunication & IT (2P) 107
International Water Distribution Company Ltd. 122
King Abdulaziz City for Science and Technology 105
National Water Company 138
Saudi e-Tabadul Company 135
National Gas and Industrialization Company 148
Virgin Mobile 151
Saudi Telecom Company (SAWA) 149
Transportation services (4)
Nas Air 26
Saudi Arabian Airlines 22
Saudi Railways Organization (SRO) 120


  1. ^Biller list with codes listed on SADAD website

Ofer Abarbanel online library

Ofer Abarbanel online library

Ofer Abarbanel online library