How payment fees are calculated

What the number is made of

• The card network rate: 1% for mada, 2.75% for Visa and Mastercard.
• The anti-fraud fee: SAR 1.50 per successful payment, the same whatever the amount.
• VAT: 15% on the fees themselves, not on the payment amount.

Apple Pay is not a separate line: what applies is the rate of the card used inside it — 1% for mada, 2.75% for Visa or Mastercard.

Why a fixed fee being fixed matters

The fixed part — SAR 1.50 — is a large share of a small payment and a negligible share of a large one. On a SAR 20 mada payment the total fees are around 8.6% of the amount; on a SAR 1,000 one they are around 1.3%.

The practical consequence: do not split one amount across several small links without a reason, and consider a minimum order value if your average payment is under SAR 50.

From the number to your bank account

The net amount joins your eligible balance. Settlements are scheduled three times a week — Sunday, Tuesday and Thursday — and transferred to the verified IBAN on your account.

The settlements page shows gross, fees, VAT and net for each run, and each payment shows its own fees. There is no side spreadsheet to keep.

What a refund does

A refund returns the money to the customer in full or in part and is recorded against the payment itself. It is bounded by the refundable balance and by the payment provider's rules.