Automated Deductions
Every day, the agreed share or fixed amount is split and routed to the creditor automatically — no human intervention required.
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Where Every Settlement Tells the Truth
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PathPay enables automated, real-time repayment deductions directly from merchant POS settlements — before funds reach the merchant account.
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28B
SME financing gap in Saudi Arabia
PathPay embeds collection logic directly into the POS settlement stream — every deduction is automatic, consent-governed, and traceable.
Every day, the agreed share or fixed amount is split and routed to the creditor automatically — no human intervention required.
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Deductions happen at the source — embedded in the daily POS settlement cycle before funds reach the merchant account.
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Both parties approve exact terms via dual OTP. No deduction starts without full, verifiable consent — defensible and tamper-evident.
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When the obligation is fully collected, deductions stop automatically. Suppliers get paid. Merchants stay compliant.
Explore SolutionsFrom agreement to automated collection — a fully governed, end-to-end deduction lifecycle.
Supplier and merchant agree on terms. PathPay captures the consent with full audit trail.
Merchant is enrolled in the PathPay network. POS terminals are linked to the deduction engine.
Every card transaction triggers a settlement event. PathPay intercepts it before it reaches the merchant.
PathPay deducts the agreed amount, routes it to the supplier, and delivers the remainder to the merchant.
Both parties receive real-time statements. Full reconciliation is automatic. No disputes. No delays.
PathPay automates commercial collection by embedding deduction logic directly into POS settlement streams — eliminating manual follow-ups, lowering default risk, and accelerating cash flow across the Saudi commercial ecosystem.
Manual collection and fragmented repayment at the POS settlement layer creates systemic risk across the Saudi commercial ecosystem.
Suppliers follow up via calls, transfers, and paper records. No automation. No visibility into repayment status.
Merchants juggle irregular repayments across multiple creditors with no unified view or predictable schedule.
Lenders providing merchant financing lack automated repayment rails, exposing them to elevated non-performing loan risk.
Collection is not tied to real sales activity. Disputes, delays, and damaged relationships follow.
PathPay serves every participant in the Saudi B2B commercial ecosystem through purpose-built interfaces and workflows.
Retailers, restaurants, and service providers using POS terminals — the source of every settlement and deduction.
FMCG, pharma, and industrial suppliers who extend credit to merchants and need automated repayment.
Embedded finance providers, BNPL platforms, and merchant lenders requiring automated repayment rails.
Commercial banks providing merchant credit facilities that need automated deduction at the settlement layer.
PSPs and acquirers who want to offer embedded deduction as a value-added service to their merchant base.
Large distributors managing hundreds of merchant accounts who need centralized, automated collection dashboards.
PathPay is built around Saudi Arabia's most rigorous regulatory frameworks — not retrofitted to meet them.
AES-256 encryption at rest and in transit. TLS 1.3 for all API communications.
Every deduction requires documented merchant consent. Consent is immutable and auditable.
ML-powered anomaly detection on every settlement event. Real-time fraud scoring.
Automated SAMA, ZATCA, and SDAIA reporting. Zero manual compliance overhead.
PathPay integrates with Saudi Arabia's leading payment networks, POS providers, and banking infrastructure.
Embed automated repayment logic directly into Saudi POS settlement streams.
Explore SolutionsEvery stakeholder — merchant, supplier, fintech, bank, aggregator — gets their own interface.
View PlatformSAMA-licensed. ZATCA-compliant. PDPL-ready. Built around Saudi regulatory frameworks from day one.
See SecurityPathPay's RESTful API lets any product embed automated deduction infrastructure in minutes.
Read the DocsJoin the Saudi businesses already automating their commercial collection through PathPay's settlement-layer deduction infrastructure.