Payments & fintech engineering
Payment engineering for merchants and licensed fintechs.
We build the integration and the software: Mada, Apple Pay, STC Pay, Tamara and Tabby at checkout, reconciliation into the accounts, and platform work for SAMA-licensed partners. We are engineers, not a financial institution.
Works with
- Mada
- Apple Pay
- STC Pay
- Tamara
- Tabby
- Geidea
- SAMA open banking
- ZATCA Phase 2
The situation
Payments arrive; matching them does not
The gateway settles in batches. The POS reports by shift. The bank statement shows net amounts after fees. Finance matches the three by hand every week and still cannot say which invoice a refund belongs to. Adding Apple Pay or Tamara means another report to reconcile, not fewer.
What you get
Four things you can point at when it is done.
Checkout integration
Mada, Apple Pay, STC Pay, Tamara and Tabby through your gateway licensed in the Kingdom, such as Geidea.
Settlement reconciled
Gateway settlements, POS totals and bank statements matched to invoices in Odoo or ERPNext, fees and refunds included.
Platform work for fintechs
Engineering for SAMA-licensed partners: APIs, dashboards and open banking connections, under the partner’s licence and rules.
Data in the Kingdom
Hosted in Oracle’s Jeddah data center, aligned with PDPL. Card data stays with the licensed gateway, never on your servers.
How we work
Nothing moves to the next step until you have checked this one.
Map money in, money out
Every payment method, settlement file and bank feed listed, with who reconciles what and how long it takes.
Integrate against sandboxes
Gateway and bank sandboxes first, screens approved, then live with small amounts you verify.
Parallel reconciliation
Manual matching continues beside the automated one until they agree for full cycles.
Live
ZATCA Phase 2 e-invoicing in production
The invoice side of every payment already runs in production on our work. Payments, accounting and reporting in one flow.
Questions
Asked before every project like this.
- Are you a licensed financial institution?
- No. Nizamics is a software house, CR 7054975482. We do not lend, hold funds or offer financial services. We build integration and software for merchants and for SAMA-licensed partners, who operate under their own licence.
- Which gateway should we use?
- One licensed in the Kingdom that supports the methods your customers use: Mada, Apple Pay, STC Pay, Tamara, Tabby. We compare fees, settlement timing and API quality in the assessment and put the recommendation in writing.
- Can you connect to SAMA open banking?
- For a SAMA-licensed partner or through a licensed provider, yes: we do the engineering against their APIs and sandboxes. We do not access account data in our own name.
Free 45-minute assessment
Tell us what finance matches by hand.
We map it, count its steps, and tell you in writing what we would build and in what order. You keep the map either way.