What Sadad Payment Solutions does

Sadad Payment Solutions is a Qatar-based, Qatar Central Bank-regulated payment services provider operating exclusively within the State of Qatar. The company operates as the first independent financial company directly connected to Qatar's national transaction network, enabling direct settlement to merchant bank accounts through the Qatch clearing system. Sadad holds PCI DSS, ISO 27001, ISO 20000, COMODO, and McAfee certifications and integrates natively with Visa, Mastercard, American Express, NAPS, MADA, Apple Pay, and Google Pay.

The company's product portfolio is an integrated payments and merchant commerce stack. For in-person acceptance, Sadad offers the SADAD Plus smart POS terminal, the SADAD Self self-service kiosk POS, and SoftPOS, which converts a smartphone into a contactless payment terminal. For online and remote acceptance, the company provides a payment gateway API (with Web Checkout 2.2 and Direct Payment API tiers), SADAD Invoice electronic invoicing with WhatsApp/SMS delivery, SADAD Tarweej payment links, and the SADAD Smart Store eCommerce platform. All products are unified through the SADAD Merchant Dashboard, which provides real-time transaction monitoring, custom reporting, GPS tracking of POS devices, fraud pattern analysis, and refund processing. The company also offers complementary modules including SADAD Appointments (payment-enabled booking) and SADAD Domains (CRA-accredited .qa domain registration).

Sadad monetizes through a hybrid subscription and transaction-fee model. Subscription pricing is denominated in QAR and includes POS rentals at 150 QAR/month, payment gateway tiers at 99–199 QAR/month, and various add-ons at 99 QAR/month, with annual billing offering a 20% discount and freemium tiers for invoice links and Smart Store. Transaction fees range from 1.5% for local debit cards (NAPS, MADA) to 3% for Amex and international cards. Go-to-market is dual-motion: product-led self-serve onboarding through panel.sadad.qa for SMBs, and an enterprise field-sales motion for large merchants, government entities, insurance companies, educational institutions, and NGOs with custom pricing. The customer base is anchored in Qatari SMBs across retail, restaurants, and home-based businesses, with selective enterprise and government accounts.

Name

Sadad Payment Solutions

Legal name

Sadad Payment Solutions Private Limited

Website

https://sadad.qa

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

251–500 employees

Short description

Sadad Payment Solutions is a Qatar Central Bank-licensed payment services provider offering an integrated platform of POS devices, payment gateway APIs, electronic invoicing, and eCommerce tools exclusively to merchants within Qatar.

Ownership category

akta.pro rank

Product category

Payment Processing Platform

NAICS

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

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industries

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Mobile Wallets (NFC Tap-to-Pay / HCE) (FSAMAEAB)

Keywords

• Payment gateway services
• POS terminal solutions
• Mobile payment processing
• Merchant payment platform
• Digital payment infrastructure

Headquarters

HQ city

Doha

HQ country

Qatar

HQ region

Middle East

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. POS Device Subscriptions: Monthly subscription fees for POS devices (SADAD Plus and SADAD Self) with setup fees and refundable deposits. SADAD Plus: 150 QAR/month, 399 QAR setup, 1000 QAR deposit (refunded after 6 months).
2. Payment Gateway Subscriptions: Monthly subscription tiers for payment gateway API access: Payment Gateway API 99 QAR/mo, Web Checkout 2.2 API 149 QAR/mo, Direct Payment API 199 QAR/mo. Annual savings of 20% available.
3. Transaction Processing Fees: Percentage-based fees on successful transactions: 1.5% for local debit cards (NAPS, Himyan), 2.2% + 0.5 QAR for local credit Visa/Mastercard, 2.5% for co-branded business cards, 3% for American Express and international cards. Minimum charge 2.5 QAR per transaction.
4. Smart Store Platform: Free tier up to 25 products; 99 QAR/month for stores with more than 25 products. Annual billing with 20% discount.
5. Invoice and Payment Links: Free for Qatari local numbers; 99 QAR/month for international numbers. Annual billing with 20% discount.
6. Customized Checkout Page: 99 QAR/month for branded checkout page customization. Annual billing with 20% discount.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Sadad Payment Solutions provides an integrated payment acceptance and commerce platform for merchants operating in Qatar, combining an online Payment Gateway (API, Web Checkout, Direct Payment), electronic invoicing and payment links (SADAD Invoice, Tarweej), a Smart Store eCommerce builder, and a Merchant Dashboard with GPS-tracked POS fleet management. For in-person transactions it offers a hardware lineup covering an all-in-one smart terminal (SADAD Plus), a self-service kiosk POS (SADAD Self), and a smartphone-based contactless SoftPOS, supporting all major card schemes and digital wallets under Qatar Central Bank authorization.

Product overview

Sadad Payment Solutions is a Qatar-based payment services provider offering an integrated platform of payment solutions. The core portfolio comprises a payment gateway (SADAD Payment Gateway) for online transactions, electronic invoice and payment link tools (SADAD Invoice and SADAD Tarweej), and a Smart Store eCommerce platform. For in-person payments, Sadad offers a hardware POS lineup including SADAD Plus (all-in-one smart terminal), SADAD Self (self-service kiosk POS), and SADAD SoftPOS (smartphone-based contactless payments). These are unified through the SADAD Merchant Dashboard for real-time transaction monitoring, reporting, and POS device management. Additional tools include SADAD Appointments (payment-enabled booking) and SADAD Domains (domain registration). The platform is officially licensed by Qatar Central Bank and integrates with major card networks (Visa, Mastercard, MADA, NAPS) and digital wallets (Apple Pay, Google Pay).

Differentiator

Problem solved

Functional benefit

Products and services

• SADAD Payment Gateway Online payment gateway enabling merchants to accept payments directly on their website or mobile application via hosted payment page, direct platform integration, or custom API for full control. Priced via tiered subscription (Payment Gateway API 99 QAR/mo, Web Checkout 2.2 API 149 QAR/mo, Direct Payment API 199 QAR/mo) plus per-transaction fees.
• SADAD Invoice Electronic invoice platform allowing merchants to create and send unlimited payment invoice links to customers via WhatsApp, SMS, and other messaging channels, with free tier for Qatari local numbers and 99 QAR/month for international numbers.
• SADAD Tarweej Payment Links Payment link generator that lets merchants create fixed-amount payment links with product descriptions and share them via SMS or social media. Free for Qatari local numbers; 99 QAR/month for international numbers, with 20% annual-billing discount.
• SADAD Plus POS Device All-in-one smart point-of-sale terminal supporting all payment types with an intelligent screen, designed for in-store transactions with ease of use and secure financial management. 150 QAR/month subscription, 399 QAR setup, 1000 QAR refundable deposit (refunded after 6 months).
• SADAD Self-Service POS Self-service point-of-sale terminal designed for self-ordering kiosks and automated payment experiences in retail environments. Priced at 150 QAR/month with 399 QAR setup and 1000 QAR refundable deposit.
• SADAD SoftPOS Mobile-based point-of-sale solution that transforms a smartphone into a contactless payment terminal via Tap & Pay, eliminating the need for additional hardware. No separate device subscription - pay-as-you-go transaction fees only (1.5%-3% depending on card type).
• SADAD Merchant Dashboard Real-time merchant dashboard for monitoring and managing transactions, generating custom reports, processing refunds, tracking POS device locations via GPS, performing fraud pattern analysis, and creating payment links.
• SADAD Smart Store Online eCommerce platform enabling merchants to create and manage a branded web and mobile storefront with product catalog, orders, payments, and customer management, including instant notifications and SSO-enabled access. Free tier up to 25 products; 99 QAR/month for stores with more than 25 products.
• SADAD Appointments Payment-enabled appointment booking system allowing businesses to manage scheduled appointments and collect booking payments through the Sadad ecosystem.
• SADAD Domains Domain registration service for .qa, .com.qa, .net.qa, and .قطر domain names, accredited by the Communications Regulatory Authority (CRA) of Qatar.

Quantifiable outcome

• Direct settlement to merchant bank accounts through Qatch clearing system
• +2 more outcomes

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature6 records

Partnerships

Seven partnerships are on record, tiered core.

• Qatar Central Bank (QCB)coreStrategic or Co-development PartnerPrimary regulatory authority overseeing Sadad's payment operations. Sadad operates under QCB authorization as the first independent financial company directly connected to the national transaction network. Compliance with QCB regulations and guidelines is mandatory for all operations.
• VisacoreTechnology or IntegrationCard network for processing Visa credit and debit card transactions. Supports Visa Electron. Direct integration with card association for authentication and authorization.
• MastercardcoreTechnology or IntegrationCard network for processing Mastercard credit and debit card transactions. Direct integration with card association for authentication and authorization.
• NAPS (ATM Network)coreTechnology or IntegrationNational ATM Switch - Qatar's domestic debit card network for local transactions at 1.5% rate.
• Himyan (mada)coreTechnology or IntegrationQatar's domestic debit card network (mada) for local transactions at 1.5% rate.
• Qatch Clearing SystemcoreTechnology or IntegrationNational clearing system connecting all Qatari banks for settlement of transactions. Enables direct bank deposits to merchant accounts.
• Qatari BankscoreStrategic or Co-development PartnerPartnership with all Qatari banks for bank deposits and fund settlements. Sadad works with Nodal Bank for pooling and transferring merchant funds after transaction settlement.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• QPay: QPay is a Qatar-based payment service provider offering online payment gateway, POS solutions, and merchant acquiring services. It is the closest direct competitor to Sadad in the same Qatari market with overlapping SMB and enterprise merchant segments.
• Tap Payments: Tap Payments is a MENA-focused payment gateway and financial solutions provider offering online payment APIs, POS, and merchant acquiring across the GCC. It is directly comparable to Sadad in product scope (gateway, POS, invoicing) and target customer (SMBs and enterprises), although it operates across more geographies.
• PayTabs: PayTabs is a MENA-founded payment gateway and processor offering online checkout, mobile POS, and merchant services across multiple Middle Eastern markets. It competes directly with Sadad in payment gateway functionality, integration tooling, and SMB/enterprise targeting.
• Geidea: Geidea is a leading payment service provider in Saudi Arabia and Egypt offering POS terminals, SoftPOS, payment gateways, and value-added services to merchants. It is highly comparable to Sadad's full-stack POS + gateway + SoftPOS model, though operating in larger GCC markets.
• Telr: Telr is a UAE-based online payment gateway and processor offering multi-currency checkout, mobile payments, and merchant acquiring across MENA. It directly parallels Sadad's Payment Gateway API and developer-portal approach with comparable SMB and enterprise segments.
• HyperPay: HyperPay is a Saudi Arabia-based payment gateway and processor offering online checkout, mobile SDKs, and POS services to merchants across the MENA region. It is comparable to Sadad in payment gateway, SoftPOS, and developer integration capabilities.
• Network International (MENA Acquiring): Network International is a leading MENA payment processor offering merchant acquiring, POS solutions, payment gateway, and value-added services. It is comparable to Sadad's end-to-end payment stack, with much larger regional scale and enterprise focus.

Regional players

• Ooredoo Money: Ooredoo Money is the mobile wallet and payment service from Qatar's leading telecom operator, serving Q2 consumers and merchants. It is comparable to Sadad as a Qatar-based digital payment platform, though it leans more toward consumer wallets than merchant acquiring.

Broad incumbents

• Checkout.com: Checkout.com is a global payment processor offering merchant acquiring, gateway APIs, and fraud tools across multiple regions. It is comparable to Sadad in gateway/API-centric payment processing but operates as a broad incumbent across many markets rather than specializing in Qatar.
• Stripe: Stripe is a global online payment gateway and developer platform with extensive API, SDK, and hosted checkout capabilities. While not directly competing in Qatar, it represents the global benchmark for the payment gateway product model that Sadad's developer-portal approach aspires to.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Key highlights6 records

Customer concentration

• GitHubgithub.com/SadadDeveloper
• Facebookfacebook.com/SadadQA
• Instagraminstagram.com/sadadqatar
• YouTubeyoutube.com/channel/sadadqatar
• Xx.com/sadadqa

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Sadad Payment Solutions