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SADAD Account for Online Payment is a new service that allows you to make online transaction with participating merchants through your current account, without the need of having a credit card.

SADAD Account benefits

  • Making Online purchases without logging to your bank account
  • An easy and secure way for online shopping
  • The ability to make online purchases without having a credit card. 
  • Free of charge for customers.

How to use SADAD Account

  • Choose the item you want to buy from the merchant’s website
  • Continue to the payment page
  • Choose SADAD Account as a payment method 
  • Enter your SADAD Account username that was created previously 
  • Enter your registered password
  • Enter the one time password sent to your mobile. 
  • Confirm and finish payment. 

For Merchant enrollment in SADAD Account

Dear merchant owner,

To request SADAD Account for online payment service and to start accepting online transactions, kindly send us an email at with the below information and one of our staff will contact you shortly

Information required:
  • Company/ organization Name
  • Owner Name
  • Chamber of Commerce Number 
  • Email address 
  • Mobile number 
  • Secondary Phone Number 
  • Primary Phone number 
  • Company/ Organization Type

FAQ for Merchant

What are the services provided by “SADAD Account” to the merchant?

The merchant can perform online payments using the “SADAD Account”.
The following are the services provided to the merchant through their accounts:
  • The ability to query, view and download the list of transactions
  • Request a refund of a certain amount
  • Raise a complaint and follow-up
  • Raise a dispute and track the progress
  • Notifications service from “SADAD Account”

What is Merchant e-gate?

It is an electronic gate under electronic banking dedicated for merchant to perform any of the
Operations related to SADAD.

How can the merchant register?

The merchant should submit by hand registration documents required to the bank, then the bank will complete the registration process and send it to the SADAD Payment System.
Next, SADAD Payment System will create E-Store ID whereby “SADAD Account” service
Pertaining to the store will be activated.

Can the merchant register using the same C.R. number at different banks?


Can the merchant transfer from bank to another?

Yes, the merchant can close his account in the current bank then register at a different bank.

Can the merchant register as a client?

Yes, the merchant will be treated as a client in the system.

When is the money transferred from the bank to the merchant?

  • The bank will transfer the money to the merchant by maximum the end of the next business day.
  • If “SADAD Account” transaction is made during a weekend or official holiday, the bank will transfer the money to the merchant directly on the first business day after the weekend or holiday.
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+966 9 2000 6666

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