# SADAD

The SADAD payment system was established by the Saudi Central Bank (SAMA) to be the national electronic bill presentment and payment (EBPP) service provider for the Kingdom of Saudi Arabia (KSA). The core mandate for SADAD is to facilitate and streamline bill payment transactions of end consumers through all channels of the KSA (Kingdom of Saudi Arabia) Banks. SADAD was launched on June 7, 2007.
SADAD links the commercial sector and local banks, offering the ability to collect customer payments electronically through all the banking channels in the KSA (Kingdom of Saudi Arabia) 24 hours a day.

## History and background

SAMA mandated that all banks accept bill payments from anyone at their branches. The payer does not have to be a customer of the bank. Pre-SADAD economics of bill payment placed an unduly significant burden on banks; it needed to be more efficient and faster. Banks recovered a small portion of the cost by keeping the collected money for 7–30 days after the bill was paid.
Approximately 60-70% of bills were paid in cash at bank branches. The high number of invoices generated in the Kingdom increases bank costs in the front office, payment processing, IT integration and reconciliation. In addition, consumers queue for a long time at banks’ front office desks before paying their bills. Bill presentment and collection are primarily manual and paper-based, creating significant inefficiencies and overheads for billers and banks.
Large billers formed bilateral agreements with banks to enhance bill payment collection. This enabled consumers to use their bank channels to view and pay bills (without any bill consolidation). It required every biller to connect to the twelve banks operating in KSA and from banks to connect separately to every biller under contract.
SAMA chose to integrate these connections through SADAD, a single platform that links different billers and banks to enable consumers to use the electronic channels of any bank. SADAD is now facilitating the payment of high-volume periodic bills (such as utility and phone bills) and customer-initiated payments, such as traffic fines.

## How SADAD works

* Billers send summary bills information to SADAD at a pre-determined schedule
* SADAD validates data received and uploads it into its database
* SADAD notifies billers of any discrepancies
* Customer requests bill information through bank channels
* The bank forwards the request received to SADAD
* SADAD retrieves bill information from its database and forwards it to the bank channel
* Customer selects the bills to be paid and the respective amounts
* The bank debits the customer account and confirms the transaction
* SADAD updates its database based on the bank’s confirmation
* SADAD notifies relevant billers accordingly
* At the end of the day, billers receive reconciliation reports from SADAD showing a breakdown of all transactions processed by SADAD
* At the end of the day, SADAD initiates settlement instructions through SARIE
* SADAD updates bills status to 'settled'

## Connected billers

Billers connected to SADAD :
| Biller | Code |
| Educational services (9) ||
| King Abdulaziz University | 9 |
| Al Yamamah University | 72 |
| King Saud University | 80 |
| Arab Open University (AOU) | 17 |
| King Abdulaziz City for Science and Technology (KACST) | 105 |
| Taibah University | 106 |
| King Faisal University | 118 |
| King Fahd University of Petroleum and Minerals | 117 |
| Umm al-Qura University | 132 |
| Saudi Electronic University | 137 |
| Financial and insurance services (20) ||
| SHB Credit Cards | 31 |
| NCCI | 3 |
| Samba Financial Group (credit card) | 12 |
| NCB (credit card and personal finance) | 16 |
| American Express | 18 |
| SABB PS | 29 |
| Awan For Market Data | 39 |
| Mubasher | 34 |
| Falcon Credit Card from NCB | 56 |
| Bank Al-Jazira Credit Card and Financing Services | 78 |
| Arab National Bank | 82 |
| Al-Rajhi Bank | 54 |
| Riyad Bank | 67 |
| Saudi Credit Bureau (SIMAH) | 36 |
| Banque Saudi Fransi | 71 |
| Emirates NBD | 125 |
| Nayifat Installment Company | 124 |
| Al Rajhi Takaful | 110 |
| Bupa Arabia for Cooperative Insurance | 130 |
| Arabian Shield Cooperative Insurance Company | 136 |
| Government services (65) ||
| Madina Municipality | 6 |
| Ministry of Water and Electricity | 15 |
| Riyadh Municipality | 10 |
| The Department of Zakat and Income Tax | 20 |
| Holy Makkah Municipality | 27 |
| Jeddah Municipality | 28 |
| Communications and Information Technology Commission | 42 |
| Eastern Province Municipality | 25 |
| Jeddah Chamber of Commerce and Industry | 19 |
| The Saudi Arabian Agricultural Bank | 45 |
| Saudi Arabian Standards Organization | 49 |
| Saudi Customs | 30 |
| Ministry of Commerce and Industry | 13 |
| General Commission for Tourism and Antiquities | 57 |
| Saudi Credit and Saving Bank | 58 |
| Tabouk Province Municipality | 62 |
| Hail Province Municipality | 61 |
| Jazan Province Municipality | 64 |
| Ministry of Transport | 75 |
| Qiyas | 8 |
| Ministry of Culture and Information | 51 |
| Ministry of Labor | 50 |
| Riyadh Chamber of Commerce and Industry | 73 |
| AlQassim Province Municipality | 70 |
| Real Estate Development Fund | 40 |
| The Saudi Industrial Property Authority (Modon) | 68 |
| The General Organization for Social Insurance (GOSI) | 60 |
| Aseer Province Municipality | 84 |
| Ministry of Finance | 88 |
| MOI-Alien Control | 90 |
| MOI-Driving License | 91 |
| MOI-Saudi Passport | 92 |
| MOI-Traffic Violation | 93 |
| MOI-Motor Vehicle | 94 |
| MOI-Labour Importation | 95 |
| MOI-Civil Registration | 96 |
| Najran Province Municipality | 87 |
| AlJouf Provence Municipality | 103 |
| Saudi Ports Authority | 89 |
| Ministry of Islamic Affairs (MOIA) | 77 |
| Ministry of Social Affairs (Global Goodness) | 66 |
| Municipality of Northern Borders | 102 |
| Saudi Food And Drugs Authority | 109 |
| General Authority of Civil Aviation | 98 |
| Baha Province Municipality | 104 |
| AlAhsa Municipality | 112 |
| Royal Commission in Yanbu (RCY) | 46 |
| Taif Municipality | 113 |
| Saudi Arabian General Investment Authority (SAGIA) | 108 |
| Deputy Ministry for Mineral Resources (DMMR) | 116 |
| ABHA Chamber of Commerce and Industry | 114 |
| MOI Deportation Sentences | 126 |
| MOI Deportation Control | 127 |
| Ministry of Health | 128 |
| Saudi Council of Engineers | 123 |
| Government E-Procurement Project | 141 |
| Industrial Cities Development and Operating Co. | 145 |
| Saudi Heart Association | 133 |
| Ejar | 153 |
| Economic Cities Authority | 154 |
| Royal Commission for Jubail | 146 |
| Saudi Industrial Development Fund | 143 |
| ASHARQIA Chamber | 139 |
| Ministry of Foreign Affairs | 101 |
| Ministry of Justice | 160 |
| Ministry of Municipal and Rural Affairs | 177 |
| Ministry of Justice Execution Agency (Judicial Execution ) | 169 |
| Other services (18) ||
| Maestro Pizza | 1041 |
| Alyusr Instalment Co. | 24 |
| AlYamamah Press Establishment | 47 |
| Al-Jazirah Newspaper | 53 |
| Arab Media Company | 76 |
| Aljomaih Automotive Company | 52 |
| Al Amthal Financing and Leasing Co. Ltd. | 79 |
| Dar Alyoum Pressing, Printing and Publishing | 74 |
| Tajeer Company | 63 |
| Aljabr Trading Company | 86 |
| United Instalment Sales Company | 65 |
| Al-Hamrani Company for Investment in Trade | 23 |
| United Electronics Company (Extra) | 134 |
| Saudi Commission for Health Specialties | 129 |
| Arabian Tasheelat Establishment (Tasheel) | 131 |
| Saudi Home Loans | 147 |
| AQSAT International Trading Company | 69 |
| Dar Al-Hayat for Distribution | 121 |
| Mawarid | 157 |
| Rosom | 901 |
| Technology and media (10) ||
| SaudiNet | 38 |
| Cyberia | 59 |
| Showtime | 32 |
| Sahara Net | 48 |
| AwalNet | 41 |
| Saudi Business Machines | 83 |
| Integrated Telecom Company | 55 |
| Al-Elm Information Security | 85 |
| Ola Almajd Trading Co. (Al Majd TV) | 81 |
| Thiqah Business Services | 144 |
| Telecommunications and utilities (19) ||
| Saudi Telecom Company | 1 |
| Saudi Electricity Company | 2 |
| Mobily | 5 |
| Marafiq | 4 |
| The Saudi Home PC Initiative | 7 |
| Bravo | 14 |
| Saudi Post | 21 |
| Cadre Economic Cities | 35 |
| Zain Telecommunication Company | 44 |
| Go Telecom (Etihad Atheeb Telecom) | 33 |
| Saudi Project for Utilization of Hajj Meat | 43 |
| Perfect Presentation Telecommunication & IT (2P) | 107 |
| International Water Distribution Company Ltd. | 122 |
| King Abdulaziz City for Science and Technology | 105 |
| National Water Company | 138 |
| Saudi e-Tabadul Company | 135 |
| National Gas and Industrialization Company | 148 |
| Virgin Mobile | 151 |
| Saudi Telecom Company (SAWA) | 149 |
| Transportation services (4) ||
| Nas Air | 26 |
| Saudi Arabian Airlines | 22 |
| Saudi Railways Organization (SRO) | 120 |
| SAPTCO | 150 |