SADAD Payment System

SADAD Payment System (SADAD) 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.

## Contents

* 1 History & Background
* 2 How Sadad Works
* 3 Connected Billers
* 4 See also
* 5 References
* 6 External links
* 7 SADAD Logo

## History & 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 12 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 the 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(s) information through Bank channels(1)
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 bill(s) to be paid and the respective amount(s)
8. The Bank debits the customer account and confirms the transaction
9. SADAD updates its database based on the Bank’s confirmation(2)
10. SADAD notifies relevant Biller(s) 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

Here is a list of the billers connected to "SADAD Payment System".[1]

Connected Billers

Biller  | Code
Educational Services (9)
King Abdul Aziz 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 & Minerals  | 117
Umm Al-Qura University  | 132
Saudi Electronic University  | 137
Financial and Insurance services (20)
SHB Credit Cards  | 31
NCCI  | 3
Samba Financial Group (credit card)  | 12
NCB (credit card and Personal Finance)  | 16
American Express  | 18
SABB PS  | 29
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 Payments  | 82
AlRajhi Bank Services  | 54
Riyad Bank Payments  | 67
Saudi Credit Bureau (SIMAH)  | 36
Banque Saudi Fransi Payment Services  | 71
Emirates NBD Payments  | 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 & 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 Port 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 (RCJ) joined SADAD  | 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 (920017777 / maestropizza.com )  | 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 channels)  | 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 Company)  | 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 Sciences 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
SAPTCO  | 150

## See also

* Electronic billing
* E-commerce payment systems
* Saudi Payments Network (SPAN)

## References

1. ↑ Billes list with codes listed on Sadad website.

## External links

* http://www.sadad.com/en/ (English Version)

## SADAD Logo

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