Mada
Mada is the Kingdom of Saudi Arabia's domestic payment network. Mada cards are accepted both locally and globally, due to partnerships with major card schemes like Visa and Mastercard.
When you process a Mada card outside Saudi Arabia, it behaves as a debit card, so you can request a card payment without specific configurations or extra fields.
We recommend applying 3D Secure (3DS), and providing the card verification value (CVV) or card security code (CSC).
When processing a Mada card through Apple Pay outside of Saudi Arabia, you must enforce the use of Visa or Mastercard instead.
Make the following changes in your mobile or web application's front-end Apple Pay code:
- In the
supportedNetworksarray, removemada. This ensures that transactions from co-branded cards are processed on the Visa or Mastercard network. - Set the
countryCodevalue to the country code that you're processing from. You can provide any country code, exceptSA. This prevents Apple from forcing Mada for international transactions.
To process Mada cards within Saudi Arabia, you must first obtain a merchant ID from a Saudi Arabian card acquirer.
You must capture all Mada transactions in full. Mada cards do not support partial captures or authorization requests.
If you request authorization or partial capture, the acquirer captures the transaction but Checkout.com's gateway automatically sends a void request after seven days. Because Mada cards do not support void requests, the acquirer then requests a refund.
Note
Because most cards used in Saudi Arabia are debit cards, we recommend applying 3DS to all card payments in the region, providing the CVV, and only using automatic captures and refunds.
Mada frequently updates the list of approved bank identification numbers (BINs). To keep your transaction routing accurate, regularly update your systems with the most recent Mada BIN list.
Download the Mada BIN list (CSV file).
File last updated: October 20, 2025