Payment methods and Zid Payments

The Payments page gathers every way your customers can pay you: Zid Payments for cards and Apple Pay, buy now pay later (BNPL) services, bank transfer and other payment gateways. Open it from Payments in the sidebar.

The Payments overview page in the Zid dashboard — Sample data from a demo store.

What Zid Payments is

Zid Payments is Zid's built-in payment service. Once it is active, your store accepts cards and wallets such as mada, Visa, Mastercard and Apple Pay, the money collected is paid out to your bank account, and you follow every transaction, payout and payment link from the dashboard.

There are no setup or monthly fees. Each transaction carries a percentage fee plus a fixed fee, excluding VAT, set by the payment network and your Zid plan. Higher plans pay lower fees.
Zid Payments is available to stores in Saudi Arabia and Kuwait.
You can run Zid Payments or one other payment gateway for card payments, not both at once. BNPL services and bank transfer work alongside either.
When your store offers more than one currency, customers can pay in the currency they shop in, and the payment is converted at the payment gateway's exchange rate. See Languages and currencies.

Activating online payments needs a Zid plan that includes online payments. If your plan does not, Activate online payments opens an upgrade dialog. To open the page you need the staff permission to view or manage payment options.

How customers pay with Zid Payments

Customers see only the networks you turned on. Their logos appear in your store's footer, on the shipping and payment options page and in the checkout steps, and customers pay without leaving your store, except with KNET.

Card payments

With mada, Visa, Mastercard and American Express, the customer pays in these steps:

At checkout, the customer chooses the card network, enters the card details on your checkout page and confirms the order.

The payment step of a store's checkout on a phone, with mada selected and the name on card, card number, expiry date and CVV fields — Personal details are covered.

The ordered quantities are held while the card details are checked. If the card details are wrong, the customer sees an error explaining it, and the quantities go back to stock.
The customer moves to their bank's 3-D Secure page and enters the verification code.
With the right code and a card that can pay, the amount is charged and the customer returns to your store, where the order is confirmed.

The store's order confirmation after a card payment, with the order number (covered), View order details and Back to the store — Personal details are covered.

With a wrong code, or a card problem such as an insufficient balance, the customer returns to your store and sees an error, and the quantities go back to stock.

The checkout error shown after a failed security code check, asking the customer to try again — Personal details are covered.

Apple Pay and KNET

Network	What the customer does
Apple Pay	Pays on your checkout page without leaving it
KNET (Kuwait)	Moves to the KNET payment page, then returns to your store once the payment goes through

Apple Pay comes as two networks, Apple Pay (mada) and Apple Pay (Visa). You turn each on or off separately in Zid Payments settings, and the Payment network filter in Transactions tells them apart.

You find failed payments and their reasons in Transactions.

What the Payments page shows

The page changes with the state of your Zid Payments account.

Card or banner	When it appears	What it does
Activate your account in seconds!	Zid needs the store owner to confirm their identity with Nafath	Verify with Nafath opens the Nafath step. See Activate Zid Payments
Account status alerts	While your account is under review, after a rejection, or when it is disabled	Explain the status and what to do next. See Account status alerts
All Networks	Zid Payments is not active yet	Lists the supported payment networks, with Activate online payments and About Zid payments
Payouts Summary	Zid Payments is active	Shows your current balance, payouts being processed and your most recent payout, with All Payouts
Enable secure payment processing for your store	Another payment gateway is active and your store is in Saudi Arabia or Kuwait	Lets you switch to Zid Payments, or Learn more about it
Recent transactions	Online payments are active	Your five latest transactions, with View all when there are more
BNPL	Always	Madfu, Emkan pay, Tabby, Tamara and Mispay, each marked Activated or Not activated
All banks	Always	Your bank transfer accounts, with Create and View all
Other payment Providers	When other gateways are available to your store	Logos of the gateways, with Browse

When Zid Payments or another gateway is active, Manage at the top of the page opens Zid Payments settings.

Start accepting online payments

Go to Payments.
In the All Networks card, select Activate online payments.
If your store has no published product yet, a dialog titled The last step to activate Zid payments asks you to add one with a name, a price and an image. Select Add product, publish the product, then come back.
Complete the activation form. Activate Zid Payments explains each step.

Activate online payments does not appear while an earlier request is under review, or when your store is outside Saudi Arabia and Kuwait. In that case the card shows Payments are available exclusively for merchants in Saudi Arabia and Kuwait.

Learn about Zid Payments before you apply

Select About Zid payments to open the Zid Payments page. It has:

Main features: instant activation, pricing, payment links, payout days and the payment networks you can offer.
Packages: the fee for each network on each Zid plan. The fees shown exclude VAT.
Payment activation requirements: the documents needed for Individuals, For businesses and establishments and For charitable organizations.
Simplify your payments in 4 simple steps: activation request, Nafath validation, receiving payments and receiving payouts.
Frequently asked questions, including prohibited business types and how to get a bank certificate, the right commercial registration activity and a freelance certificate. Get your IBAN certificate and other Zid Payments documents covers these in detail.

If you have not applied yet, Activate Zid Payments at the top starts the application.

Account status alerts

Alerts at the top of the page tell you where your Zid Payments account stands.

Alert	Meaning
Zid payments account status: Under review.	Zid is checking your documents. You can start receiving payments once they are verified.
Sorry for not completing the activation request because:	Your request was rejected. The alert lists the reasons, then links to your store data and to the activation request so you can correct and resubmit.
Your Zid payments account has been successfully verified.	Your account is ready. Funds reach your bank account on the next payout day. Manage opens your payment networks.
We apologize for disabling your account in Zid Payments.	Your Zid Payments account is suspended or disabled. Contact Zid support.
A notice that your account was disabled after six months without card payments	Your account became dormant. Contact customer service to reactivate it.

Offer Emkan or Madfu through Zid Payments

When Zid Payments is active, Emkan and Madfu installments can run as Zid Payments networks instead of separate integrations. An alert or a pop-up tells you when one is available to your store. Select Activate in the alert to turn it on, and you are taken to the payment networks in Zid Payments settings. The service stays in the BNPL card, and its Activate button takes you to the same networks.

You can also turn it on yourself:

Go to Payments and select Manage at the top of the page.

The Payments page in the Arabic dashboard with Manage highlighted at the top and the payment networks alert and payouts summary below it — Sample data from a demo store.

On the Networks tab, switch on the installment service, such as Emkan, at the end of the networks list.

The payment networks tab of Manage Zid Payments in the Arabic dashboard, with the Emkan switch highlighted below the card networks — Sample data from a demo store.

If your store uses another payment gateway, connect Emkan or Madfu with your own account instead. See BNPL and other payment providers.

Switch from another gateway to Zid Payments

If another payment gateway is active, the Enable secure payment processing for your store banner offers Zid Payments.

Select Activate in the banner.
Read the confirmation Are you sure you want to activate Zid Payments? Your current gateway is turned off when Zid Payments is turned on.
Select Ok. If you have not applied for Zid Payments yet, you are taken to the activation form first.

Give your staff access to Zid Payments

Choose what each staff member can do with Zid Payments in their permissions, in the payments group. See Team for adding staff and setting permissions.

Permission	What it allows
View Zid Payments	Open the Zid Payments pages
View Zid Payments payouts	See the financial details of successful payments and of payouts: the balance, payouts being processed and payouts
View the transactions list	See every transaction, successful, failed or cancelled, and its details
View payment links	See payment links and their details
Manage payment links	Copy, share, cancel and reactivate payment links
Manage Zid Payments settings	Turn Zid Payments or individual payment networks on or off, and change the other settings
Request a refund	Refund a payment in full or in part to the customer
Export	Export transactions

The staff permissions with the payments group expanded on the Zid Payments permissions — Sample data from a demo store.

The payments group also holds the permissions for payment options and Zid Financing. Changing the payout bank account needs its own permission to edit the IBAN.

Last updated 28 October 2026

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