Introduction

Amwal is Saudi Arabia's leading payment and bank installment platform, regulated by the Saudi Central Bank (SAMA, License PSP013). We empower merchants to boost average order value (AOV) and reduce checkout friction by giving customers flexible, Sharia-compliant ways to pay.

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Supported Payment Models

Amwal provides two primary checkout models that allow merchants to offer maximum purchasing flexibility without compromising on security or settlement speed:

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Bank Installments

Key Merchant Benefits:

• Instant Upfront Settlement: Merchants receive 100% of the purchase amount upfront within 2–7 business days.
• Zero Credit Risk: The partner bank assumes all consumer credit and repayment management.
• Higher Conversion & Basket Size: Removing upfront price barriers increases sales conversion by up to +35% and order values by +40%.
• Retention of Card Rewards: Customers continue earning bank loyalty points (such as Mokafaa points, airline miles, and cashback), providing a strong incentive to complete purchases.

Consumer Requirements:

1. A valid credit card issued by a participating partner bank (Al Rajhi Bank or SNB).
2. Sufficient available credit limit to cover the full purchase amount at checkout.

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1-Click Pay in Full

Amwal's 1-Click Checkout eliminates lengthy checkout forms and OTP drop-offs by utilizing biometric device authentication (Face ID, Touch ID, or Windows Hello).

• Biometric Passkey Authentication: Instant device-level authorization.
• Multi-Card Support: Visa, Mastercard, and Mada.
• Integrated Installment Option: Customers can toggle between full payment and bank installments in the same checkout modal.

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Choose Your Path