SADAD

The SADAD payment system was established by the Saudi Central Bank (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 KSA (Kingdom of Saudi Arabia) Banks. SADAD was launched on June 7, 2007.[1]

## Contents

* 1 History and background
* 2 How SADAD works
* 3 Connected billers
* 4 See also
* 5 References
* 6 External links

## History and background

Approximately 60-70% of bills were paid in cash at bank branches. The high number of invoices generated in the Kingdom increases bank costs in the 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 are primarily manual and paper-based, creating significant inefficiencies and overheads for billers and banks.

## 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 the bank channel
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[2] 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
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  | 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
Ministry of Justice Execution Agency (Judicial Execution )  | 169
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
Rosom  | 901
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
SAPTCO  | 150

## See also

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

## References

1. ↑ https://www.arabnews.com/node/300100
2. ↑ Biller list with codes listed on SADAD website

## External links

* Official website Script error: The function "in_lang" does not exist.

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