Where Every Settlement Tells the Truth
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Executive Overview

Not a Gateway. Not a Lender.
A New Infrastructure Layer.

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.

Deduct-as-a-Service

Deduction logic embedded directly into POS settlement streams — automatic, rule-based, and consent-governed.

Multi-Portal Platform

Six purpose-built portals serving every participant in the Saudi B2B commercial ecosystem.

Saudi-First Compliance

Designed around SAMA, PDPL/SDAIA, ZATCA, ISO 27001, and PCI DSS from day one — not retrofitted.

Market Position

Not a lender. Not a POS provider. A focused collection infrastructure layer occupying space no other platform serves.

PathPay PathPay Engine
Merchants
Suppliers
POS Systems
Banks
Fintechs
Aggregators
Market Problem

The B2B Collection
Challenge

Manual collection and fragmented repayment at the POS settlement layer creates systemic risk across the Saudi commercial ecosystem.

Manual Collection

Suppliers follow up via calls, transfers, and paper records. No automation. No visibility into repayment status.

73% of SME suppliers rely on manual follow-up

Fragmented Obligations

Merchants juggle irregular repayments across multiple creditors with no unified view or predictable schedule.

5.4x average creditor relationships per SME

High NPL Risk

Lenders providing merchant financing lack automated repayment rails, exposing them to elevated non-performing loan risk.

28B SME financing gap in Saudi Arabia

Disconnected from Sales

Collection is not tied to real sales activity. Disputes, delays, and damaged relationships follow.

2.3B+ POS transactions annually in KSA
Revenue Leakage from Manual Collections
Traditional Methods
78% leakage
With PathPay
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