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Mada

Last updated: 13th January 2022

Start accepting payments with Mada, Saudi Arabia's domestic payment network.

Mada has partnerships with major card schemes like Visa and Mastercard, so the cards can be accepted both locally and globally.


Accepting Mada cards outside Saudi Arabia

When you process a Mada card outside Saudi Arabia, it behaves like any other debit card, so you can process a card payment without any need for specific configurations or extra parameters.

However, we recommend that you process Mada cards using 3D Secure and the card verification value (CVV) / card security code (CSC).


Accepting Mada cards within Saudi Arabia

To process Mada cards within Saudi Arabia's debit card network, you will first need to obtain a merchant ID from a Saudi Arabian card acquirer.

Authorization and void requests

Currently, you can only process purchases and refunds with Mada – authorization and void requests will be rejected.

Processing payments with Frames

Once the customer submits the credit card form, the first six digits of their card – the bank identification number (BIN) – will be returned, and you'll need to compare this against the list of Mada BINs:

446404

440795

440647

421141

474491

588845

968208

457997

457865

468540

468541

468542

468543

417633

446393

636120

968201

410621

409201

403024

458456

462220

968205

455708

484783

588848

455036

968203

486094

486095

486096

504300

440533

489318

489319

445564

968211

410685

406996

432328

428671

428672

428673

968206

446672

543357

434107

407197

407395

412565

431361

604906

521076

588850

968202

529415

535825

543085

524130

554180

549760

968209

524514

529741

537767

535989

536023

513213

520058

558563

585265

588983

588982

589005

508160

531095

530906

532013

605141

968204

422817

422818

422819

428331

483010

483011

483012

589206

968207

419593

439954

530060

531196

420132

506968

If the card's BIN matches one from the list above, you'll know it's a Mada card.

Next, follow these steps:

  1. Before you redirect the customer, send a hidden HTML field or another indication that the card type is Mada to your server. For instance: <input name=”cardType” type=”hidden” value=”mada”>.

  2. In the backend code, check if the posted hidden variable cardType was a Mada card. If so, make sure you:

  3. set "3ds.enabled" to true to process the payment with 3D Secure authentication,

  4. set "metadata.udf1" to "mada", and

  5. do not pass "capture" or "capture_on" in the request.

Processing payments with full card details

To process a Mada card with full card details, simply follow the steps in the Frames section above.

The only difference is that you won't need to wait to receive the customer's BIN because you'll have full access to the card number. Simply get the first six digits from the card form, compare it with the Mada BIN list (see above), and then send a request with the required parameters described in the Frames section above.

Mobile app integration

To process Mada card payments through a mobile app, follow the Frames process above.

Like step 1 in that process, before you post the cart data and checkout data to your web server, you'll need to add a field to your API request that indicates whether or not it's a Mada card. For example: cardType:”mada”

Apple Pay integration

Mada cards processed through Apple Pay all have the same BIN: 506968

Mada cards can be processed the same way as other cards in Apple Pay, but you'll need to make sure that the device's payments permission is enabled for your merchant ID.

Also, in order to process Mada cards on the local Saudi Arabian network, you'll need to include mada in the supportedNetworks array.

Please contact your customer success manager if you’re not dealing with the acquiring bank directly.