To accept mada and Apple Pay on your website or app, open a merchant account with a licensed payment gateway that supports both, connect it through its API or a hosted payment form, and enable Apple Pay by verifying your domain through the gateway (and, for iOS apps, with an Apple merchant ID). Then test successful, declined and refunded payments in the sandbox before going live.
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How do you accept mada and Apple Pay on your website or app?
To accept mada and Apple Pay on your website or app you need three things: a merchant account with a licensed gateway that supports both, a technical connection between your store and that gateway, and Apple Pay setup (domain verification for the web, a merchant ID for iOS apps). The gateway deals with the mada network, operated by Saudi Payments, and with Apple and the banks; you receive the result: approved or declined.
Why these two? mada is the everyday card for most customers in Saudi Arabia, and Apple Pay lets iPhone users pay with a touch or a glance without typing a card number, and it works with mada cards too. A checkout that shows both clearly at the top means fewer steps and fewer abandoned carts, especially for shoppers arriving from Snapchat and TikTok ads.
Have not picked a gateway yet? Start with how to choose the best payment gateway in Saudi Arabia, then come back here to implement it.
What do you need before you start?
| Requirement | Details | For |
|---|---|---|
| Active merchant account | With a gateway that supports mada and Apple Pay, using commercial registration or a freelance document depending on the provider | Website and app |
| Bank account and IBAN | To receive settlements | Website and app |
| Custom domain and SSL | Your site runs on HTTPS on your own domain, not a temporary link | Website |
| Policy pages | Refunds, privacy, terms, contact details and seller identity | Website and app |
| Apple developer account | To create a merchant ID and enable the Apple Pay capability | iOS app |
| API keys | Test and live keys, stored in server settings, never in code | Website and app |
How do mada payments work on your site?
When a customer enters a mada card, the gateway recognizes the card type and routes the payment through the mada network. The customer is usually asked for extra verification through 3D Secure: a code from their bank or an approval in the banking app. This protects the customer, protects you from fraud, and shifts much of the liability for suspicious payments away from you.
Embedded form or the gateway's page?
- The customer stays on your site, which feels more professional
- Card fields are hosted by the gateway inside your page, so card data never touches your server
- Needs more careful styling and right-to-left layout
- Suits stores and apps that care about their brand
- Faster to set up and less to maintain
- The gateway handles display and security entirely
- Changing page can confuse some customers
- Suits fast launches and first versions
Either way, never store card numbers in your database. To save a card for later, for example for subscriptions, use the gateway's tokenization. More in payment security basics and 3D Secure.
How do you add Apple Pay to your website and app?
Apple Pay on your website
- Enable Apple Pay in your gateway dashboard; most gateways offer a way to verify your domain with Apple on your behalf.
- Download the verification file the gateway provides, place it at the required path on your domain, then complete verification in the dashboard.
- Make sure the site runs on HTTPS with a valid certificate, and that the Apple Pay button only shows on supported devices and browsers.
- Use Apple's official button style, at the top of checkout and before the card form.
Apple Pay inside an iOS app
- Create a merchant ID in your Apple developer account.
- Create a payment processing certificate together with your gateway, which decrypts the payment data.
- Enable the Apple Pay capability in the app settings and link it to the merchant ID.
- Test on a real device with a test card, then submit the app for review.
Integration steps from start to first real payment
- 1Open a test account
Register with the gateway and get test keys plus test cards for mada and Visa.
- 2Create the order on the server
Calculate the final amount server-side (with 15% VAT, shipping and discounts) and never trust an amount sent from the browser.
- 3Show the checkout
Apple Pay and mada at the top, then other cards, then Tabby and Tamara if enabled.
- 4Receive the result by webhook
Set the order to paid only when the gateway's confirmation reaches your server, and verify the notification signature.
- 5Issue the invoice and confirmation
A QR-coded tax e-invoice and a confirmation message on WhatsApp or SMS.
- 6Go live
Switch keys, verify your real domain for Apple Pay, run a small real payment, then refund it.
Pre-launch payment test checklist
Most payment problems only appear with real customers. This list catches them first:
- A successful mada payment with the 3D Secure step, on an Android phone.
- A successful Apple Pay payment on an iPhone in Safari, and inside the iOS app if you have one.
- A declined card and insufficient funds: is there a clear Arabic message with a retry button?
- Closing the page mid-payment: does the order stay "awaiting payment" and update automatically when the webhook arrives?
- Tapping the pay button twice: is only one order created?
- Full and partial refunds from the admin panel, reflected in the sales report.
- Amounts shown correctly in SAR, and the invoice with the right VAT.
Build it with Fanann: a copy-ready prompt
If you build your app with AI, ask for payments clearly from the start, because the agent shapes orders and the database around how people pay. The payments page lists the methods Fanann supports.
Add a Saudi checkout to my store, Arabic and right-to-left. Show the Apple Pay button at the top only on supported devices, then mada, then Visa, Mastercard and STC Pay. Connect payments to a payment gateway through its API with test and live modes, and keep the keys in server settings. Calculate the final amount on the server with 15% VAT and shipping. Use a gateway-hosted card form with 3D Secure and never store card numbers. Set an order to paid only after a signed webhook from the gateway, and prevent duplicate orders on double taps. Show clear Arabic error messages with a retry button. Issue a QR-coded tax invoice and send the order confirmation on WhatsApp. In the admin panel add full and partial refunds and a sales report by payment method. Prepare the iOS app with the Apple Pay capability.
Try it in FanannFor a deeper look at Apple Pay on the web, read Apple Pay on your website, and for every local method see our local payments guide.
Key takeaways
- mada and Apple Pay both run through your payment gateway; you never deal with banks or card networks directly.
- Apple Pay works with mada cards, so enabling it serves a large share of iPhone customers.
- Apple Pay on the web needs a verified domain and HTTPS; in an iOS app it needs an Apple merchant ID.
- Only mark an order as paid after the gateway confirms it server-side through a webhook.
- Test on real devices, an iPhone with Safari and an Android phone with a mada card, before any campaign.
Frequently asked questions
How do I add mada payments to my website?
Does Apple Pay work with mada cards?
Why is the Apple Pay button not showing on my website?
Do I need a commercial registration to accept mada and Apple Pay?
Can I use Apple Pay to sell a subscription inside an iOS app?
Ask your AI assistant about this
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I am reading this guide: “How to accept mada and Apple Pay on your website or app” https://fanann.com/en/blog/accept-mada-apple-pay-website/ My question: how to accept mada payments online Use that page as a source and explain the answer step by step for my situation, tell me what to check before I start, and cite the page link.