PayTabs Group

What PayTabs Group does

PayTabs Group, founded in 2014 by Saudi entrepreneur Abdulaziz Al-Jouf and headquartered in Dubai as PAYTABS PAYMENT SERVICES PROVIDER L.L.C, is a MENA-focused payment infrastructure company that operates an AI-powered payment orchestration platform serving banks, fintechs, enterprises, government institutions and SMEs across seven MENA countries (UAE, KSA, Egypt, Oman, Jordan, Iraq, Kuwait) plus Turkey and India. The technology stack spans a payment gateway with five API integration types (Hosted Payment Page, Invoices, PayLinks, Managed Form, Own Form), nine mobile SDKs, e-commerce plugins for Shopify/WooCommerce/Magento/OpenCart and others, and an underlying orchestration layer that performs smart routing across acquirers and local schemes (mada, KNET, Meeza, OmanNet, SADAD). Complementary products include the Paymes Super App for SMEs, SoftPOS (PT Touch) turning mobile devices into contactless terminals, TAPn'GO for table-side contactless payments in hospitality, PayTabs SwitchOn (national payment switch, acquiring switch, ATM controller, POS terminal management), PayTabs Issuance for card programmes, and white-label deployments for banks.

Revenue is generated primarily through transaction-based take rates on processed payments, supplemented by subscription or licence fees for orchestration, white-label and consultancy engagements. The go-to-market is hybrid: enterprise field sales with dedicated relationship managers for merchants exceeding USD 50,000/month in volume, self-serve online onboarding for SMBs and freelancers, e-commerce plugin distribution, and bank-channel partnerships such as the Doha Bank and MEPS alliances. The firm employs 101-250 staff, is privately held and funded historically by Saudi Aramco's corporate venture arm (~USD 25 million disclosed across 2017 rounds), with no public listing.

Name

PayTabs Group

Legal name

PAYTABS PAYMENT SERVICES PROVIDER L.L.C

Website

https://paytabs.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

101–250 employees

Short description

PayTabs Group is a MENA-focused payment infrastructure company that operates an AI-powered payment orchestration platform serving banks, fintechs, enterprises, governments, and SMEs across seven MENA countries plus Turkey and India through gateways, SoftPOS, card issuance, and white-label solutions.

Ownership category

akta.pro rank

Product category

Payment Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

akta.pro secondary industries

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Request-to-Pay (R2P) & Pay Links (FSAMAFAE), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

Keywords

• Payment processing
• Payment orchestration
• Payment gateway
• Fintech infrastructure
• Digital payments

Headquarters

HQ city

Al Khobar

HQ country

Saudi Arabia

HQ region

Middle East

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Operations, Personnel, Infrastructure, Marketing or Sales

Revenue model

1. Transaction Processing Fees: PayTabs charges transaction fees for processing payments through its gateway. The company operates on a transaction-based pricing model where merchants pay fees per transaction processed.
2. Payment Gateway Services: Revenue from providing payment gateway services including hosted payment pages, API integrations, and SDK integrations for merchants of all sizes from SMBs to enterprises.
3. Payment Orchestration Platform: Revenue from enterprise-level payment orchestration services for banks, fintechs, and large enterprises including white-label solutions.
4. SoftPOS and Terminal Solutions: Revenue from contactless payment acceptance solutions including SoftPOS mobile acceptance and POS terminal management services.
5. Settlement Services: Revenue from settlement and payout services with automatic or manual payout options. Automatic payouts settle weekly when minimum balance threshold is met.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels7 records

Core offering

PayTabs Group is a payment infrastructure company that provides an AI-powered payment orchestration platform enabling merchants, banks, fintechs, and governments to accept, process, and manage digital payments. It offers end-to-end solutions spanning payment gateways, mobile point-of-sale (SoftPOS), national payment switches, ATM controllers, issuance, white-label platforms, and merchant-facing super apps across the MENA region, Turkey, and India.

Product overview

PayTabs Group is an award-winning payment infrastructure company operating across the MENA region with an AI-powered payment orchestration platform that serves banks, fintech players, enterprises, and government institutions. The company offers a comprehensive full-stack suite of payment solutions organized into three main pillars: GROW (Paymes Super App for SMEs), SCALE (Payment Orchestration, SoftPOS PT Touch, Bank Moderator Platform), and CONNECT (National Payment Switch, Acquiring Switch, ATM Controller, POS Terminal Management, PayTabs Issuance). Additional offerings include payment gateway solutions with white labeling options, consultancy services, and developer tools including APIs and SDKs. The ecosystem processes payments across multiple channels including cards, digital wallets, and BNPL services, supporting both online and offline (SoftPOS, TAPn'GO) payment acceptance.

Differentiator

Problem solved

Functional benefit

Brands

• Paymes Super App: A super app for total SME experience offering social commerce, digital onboarding, and payment acceptance across online, social, and retail channels.
• PayTabs SwitchOn (PT SwitchOn)
• PayTabs Touch (PT Touch)
• TAPn'GO
• PayTabs Issuance
• PayLinks
• MEPS

Products and services

• PayTabs Payment Orchestration
• PayTabs Payment Gateway
• Paymes Super App
• PT Touch SoftPOS
• PayTabs Bank Moderator Platform
• PT SwitchOn National Payment Switch
• Acquiring Switch
• ATM Controller
• POS Terminal Management
• PayTabs Issuance
• White Label Payments
• PayTabs Consultancy Suite
• PayLinks
• Digital Invoicing
• QR Pay
• TAPn'GO
• 3D Secure 2.0
• Merchant Dashboard
• PayTabs Mobile App

Quantifiable outcome

• Over 20,000 businesses set to adopt contactless payment solutions
• +2 more outcomes

Named customers10 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration32 records

AI capability4 records

Feature10 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Valu JordancoreStrategic or Co-development Partner · 10 June 2026Strategic partnership with Valu Jordan and MEPS to expand Buy Now, Pay Later (BNPL) solutions across physical retail and e-commerce channels in Jordan. The partnership leverages MEPS's national payments infrastructure connecting over 1,400 ATMs and thousands of POS terminals, enabling merchants to activate BNPL services without additional hardware.
• MEPS (Middle East Payment Services)coreStrategic or Co-development Partner · 10 June 2026MEPS provides the national payments infrastructure for the BNPL partnership with Valu Jordan and PayTabs. Their infrastructure connects over 1,400 ATMs and thousands of POS terminals across Jordan, enabling seamless BNPL activation for merchants.
• TAPn'GOcoreTechnology or Integration · 15 April 2026Acquisition of UAE-based contactless payment provider TAPn'GO. The acquisition enhances PayTabs' merchant-focused payments app with bill splitting, contactless tipping, instant reviews, and paperless receipt solutions. Over 20,000 businesses across MENA's retail, hospitality, healthcare, and entertainment sectors set to adopt the solution.
• CuzdanminorGTM or Marketing Partner · 15 April 2026Azerbaijani paytech Cuzdan selected PayTabs for their e-commerce merchant solutions, expanding PayTabs' reach in the Eurasian market.
• Doha BankcoreGTM or Marketing Partner · 22 October 2025Partnership with Doha Bank to improve Qatar's e-commerce landscape by providing digital payment solutions aimed at supporting SMEs and advancing the country's cashless economy. The alliance aligns with Qatar National Vision 2030.
• OGS PayLabcoreTechnology or Integration · 22 May 2023Acquisition of 100% stake in OGS PayLab, a transaction processing service provider based in Chennai, India. The acquisition strengthens PayTabs' position in the fintech market and enhances its transaction processing capabilities and infrastructure.
• PaymescoreStrategic or Co-development Partner · 18 April 2022Turkish fintech Paymes merged with PayTabs, with Paymes' Turkish office becoming PayTabs' Eurasia regional management center. The merger extends Paymes' social commerce products across the EMEA region.

Scale indicators6 records

Recent moves7 records

Expansion highlights7 records

Direct peers

• HyperPay: MENA-focused online payment gateway and acquiring platform headquartered in Saudi Arabia. Closest direct competitor to PayTabs in merchant gateway, regional scheme support and SMB onboarding across KSA/UAE.
• Telr: UAE-based payment gateway serving SMBs and enterprises across MENA and South Asia. Comparable offering of multi-method acquiring, hosted pages and plugins to PayTabs' gateway tier.
• Geidea: Saudi-based payment service provider offering POS, SoftPOS, gateway and merchant financing. Direct overlap with PayTabs in KSA SMB acquiring and SoftPOS hardware-replacement.
• Fawry: Egyptian bill-pay and digital payments network serving tens of thousands of merchants and consumers. Comparable regional breadth and EBPP-style capabilities to PayTabs in Egypt.
• Tap Payments (tap.): Kuwait-headquartered payment platform with strong MENA presence offering gateway, POS, invoicing and BNPL. Directly competes with PayTabs in Gulf e-commerce acquiring and SMB self-serve onboarding.

Broad incumbents

• Stripe: Global payments platform with expanding presence in the UAE and Saudi Arabia. Competes with PayTabs for cross-border e-commerce merchants and developer-led integrations.
• Checkout.com: Global PSP with growing MENA footprint, serving enterprise merchants with cross-border acquiring. Competes with PayTabs for enterprise payment volume and smart-routing mandates.
• Adyen: Global unified commerce platform with enterprise MENA merchants. Competes for high-volume enterprise processing and orchestration mandates that PayTabs targets with its SwitchOn stack.
• Network International (now emarat): Largest MENA payments processor serving banks and merchants across the Gulf. Competes with PayTabs SwitchOn at the national-switch / acquiring level rather than at the gateway layer.

Regional players

• Moyasar (by SAMA): Saudi-focused online payment gateway launched by Saudi Payments / SAMA ecosystem. Competes with PayTabs in KSA merchant acquiring, particularly for government-adjacent merchants.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/paytabs
• YouTubeyoutube.com/user/PayTabsCo
• Facebookfacebook.com/paytabs
• LinkedInlinkedin.com/company/paytabs-holding-company
• Instagraminstagram.com/paytabs

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries3 records

Funding overview

Funding rounds3 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A5 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PayTabs Group