Where Every Settlement Tells the Truth
0%
Platform Architecture

Six Purpose-Built Portals.
One Connected Infrastructure.

Every stakeholder gets a purpose-built interface — no shared dashboards, no compromises.

● Live
4,287
Today's Settlement
643
Deducted Today
3
Active Contracts
Al-Noor Suppliers
62%
Arabia Wholesale
31%

Active contracts, daily deductions, and full repayment visibility — all in one merchant-centric dashboard.

  • Real-time settlement tracking
  • Contract progress by creditor
  • Deduction history & receipts
  • OTP consent management
● Live
128K
Total Receivables
18,450
Collected MTD
12
Merchant Contracts
MerchantOutstandingStatus
Al-Zahra Café12,400Active
City Mart8,750Active
Gulf Foods5,100Pending

Create contracts, track receivables, and monitor automated collections without a single phone call.

  • Automated receivable collection
  • Multi-merchant management
  • Settlement confirmation
  • Dispute resolution workflow
● Live
8.4M
Portfolio Volume
0.6%
NPL Rate
347
Active Programs
Portfolio Risk Profile
Low
72%
Med
22%
High
6%

Portfolio monitoring, NPL reporting, and API-ready integration for fintech and banking operations.

  • Real-time NPL monitoring
  • API-ready integration
  • Compliance reporting suite
  • Risk segmentation tools
● Live
48
Entities
24M
Group Volume
96.2%
Collection Rate

Grouped deduction programs and entity-level reporting across your entire franchise or distributor network.

  • Group-wide deduction programs
  • Entity-level reporting
  • Centralized policy management
  • Franchise oversight controls
● Live
4
Pending KYC
0
Compliance Flags
100%
Audit Coverage
KYC verified: Al-Zahra Group2m ago
Contract approved: #CR-28475m ago
Review required: #MR-019212m ago

KYC, compliance, risk monitoring, and maker-checker controls — full operational command center.

  • KYC & onboarding workflow
  • Maker-checker approval controls
  • Immutable audit trail
  • Incident response workflow
Technology

Enterprise-Grade
Technical Architecture

Built for Saudi-grade compliance, enterprise resilience, and API-ready integration from day one.

AES-256-GCM Encryption

Military-grade encryption for all data at rest and in transit. Every byte of merchant and creditor data is protected.

Encryption

RBAC + Maker-Checker

Role-Based Access Control with dual-approval workflows for all sensitive operations. No single point of authority.

Governance

Immutable Audit Logs

Every deduction, approval, and exception permanently recorded. Tamper-evident. SAMA-compliant. Always traceable.

Auditability

API-First Architecture

RESTful APIs with webhook support. Integrate with any POS provider, bank, or fintech platform seamlessly.

Integration

PDPL / SDAIA Compliant

Saudi data residency by design. Full compliance with Personal Data Protection Law and SDAIA requirements.

Data Privacy

Event-Driven Engine

Real-time settlement processing with microservices architecture. Horizontal scaling for enterprise volumes.

Infrastructure

Client layer — portals & consoles

Merchant Portal
Supplier Portal
Fintech & Bank
Admin Console
Encrypted channel · TLS 1.3

PathPay core engine

Deduction engine
Consent engine
Reconciliation
Fraud Detection
Encrypted APIs · REST & webhooks

External integrations

POS providers
SARIE / SAMA
Card & payment networks
Banking APIs
Integrations

Connected to the
Saudi Payment Ecosystem

PathPay integrates with Saudi Arabia's leading payment networks, POS providers, and banking infrastructure.

PathPay
Mastercard
Card Network
Visa
Card Network
Mada
Debit Network
SARIE
Banking Rails
STC Pay
Digital Wallet
Geidea
POS Provider
Open Banking
SAMA Framework
Hala
BNPL
Nexi
Acquirer