# Mada

[Mada](https://www.checkout.com/payment-methods/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.

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## Accept Mada cards outside Saudi Arabia

When you process a Mada card outside Saudi Arabia, it behaves as a debit card, so you can [request a card payment](https://www.checkout.com/docs/payments/accept-payments/accept-a-payment-using-the-payments-api.md) without specific configurations or extra fields.

We recommend applying [3D Secure (3DS)](https://www.checkout.com/docs/payments/authenticate-payments/3d-secure.md), and providing the card verification value (CVV) or card security code (CSC).

### Mada with Apple Pay

When processing a Mada card through [Apple Pay](https://www.checkout.com/docs/payments/add-payment-methods/apple-pay.md) 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:

1. In the `supportedNetworks` array, remove `mada`. This ensures that transactions from co-branded cards are processed on the Visa or Mastercard network.
2. Set the `countryCode` value to the [country code](https://www.checkout.com/docs/developer-resources/codes/country-codes.md) that you're processing from. You can provide any country code, except `SA`. This prevents Apple from forcing Mada for international transactions.

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## Accept Mada cards within Saudi Arabia

To process Mada cards within Saudi Arabia, you must first obtain a merchant ID from a Saudi Arabian card acquirer.

### Authorization, capture, and void requests

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**
>
> You must apply 3DS and provide the CVV for all customer-initiated Mada transactions.
>
> Because most cards used in Saudi Arabia are debit cards, we recommend only using automatic captures and refunds.

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## Mada BINs

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](https://www.checkout.com/docs/files/Mada_BINs.csv) (CSV file).

File last updated: September 2, 2026

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## Available for

- [Web](https://www.checkout.com/docs/payments/add-payment-methods/mada/web.md): Accept Mada payments on your website with Flow, our pre-built, customizable payment user interface.
- [Unified Payments API](https://www.checkout.com/docs/payments/add-payment-methods/mada/unified-payments-api.md): Build your own UI and integrate with our API to process Mada payments.