Gulf Payment Integration — Tabby, Tamara, mada and ZATCA
Split payments, local cards and e-invoicing wired into your store or platform properly — with the capture, refund and clearance paths that most integrations skip.
Most Gulf checkout integrations break in the same two places, and neither shows up in testing. A Tabby session that returns rejected still renders the button, so the customer picks a method that will never authorise. A Tamara order that the customer approved is not a collectable order until you explicitly call the Authorise Order API — skip it and the money is never captured, while the dashboard cheerfully shows an approved order. Both faults are silent, both cost real revenue, and both are ordinary.
I build the whole path instead of the happy one: create session, handle rejection, redirect, authorise, capture on shipment, partial capture, refund and void — behind a provider abstraction, so adding the second gateway is a day rather than a rewrite. For Saudi storefronts that means mada through a SAMA-licensed acquirer (PayTabs, HyperPay, Moyasar or Tap — the licence sits with the gateway, not with you), and ZATCA phase-two integration where every invoice is cleared or reported before it is a legal document.
What you get
Tech stack
Why work with me
Payment work is judged by what happens on the bad days: a declined split payment, a partial refund, a webhook delivered twice, an invoice ZATCA rejects at eleven at night. I have written publicly and in detail about all four — the GCC payment gateway guide and the ZATCA e-invoicing walkthrough are the same material this service is built on, so you can read exactly how I think before you pay for anything.
You get a fixed scope and a fixed price once we agree what is in it, weekly demos rather than a silent month, and the whole codebase at the end. I sign NDAs without discussion. If your integration is already half-built by somebody else, I will audit it and tell you honestly whether to finish it or restart — including when the honest answer costs me the larger job.
Related work
Real shipped projects in this space.
In-depth guides on this
Practical articles on the decisions and the costs, before you hire anyone.
Questions before you hire
How long does a Tabby and Tamara integration take?
Do I need my own SAMA licence to accept mada?
What breaks most often in a Gulf payment integration?
Can you add ZATCA e-invoicing to an existing system?
What if I want to add a second gateway later?
Do you work with Salla, Zid, Shopify or a custom store?
Ready to start your project?
Send your brief. You will get a written quote and a clear plan within 24 hours. First consultation is free.