# Which payment provider to choose

Every way a client can pay online on the platform, from Moyasar, Tamara and bank transfer to the providers installed in one click, with the countries each covers and whether it accepts the Saudi riyal.

A client pays online through a payment provider: the company that takes the money and sends it to your bank. All of them are listed in **Accounting/Configuration/Online Payments/Payment Providers**, and they fall into three kinds.

- **Built for the Gulf, in this app**: Moyasar for cards in Saudi Arabia, and Tamara for paying in instalments. See [Set up Moyasar](set-up-moyasar) and [Set up Tamara](set-up-tamara).
- **Bank transfer** (the **Wire Transfer** card): no provider at all. The client reads your bank account and pays from their own bank. See [Set up bank transfer](set-up-bank-transfer).
- **The providers that come with the platform**: about twenty companies, each covering its own countries, installed with one click from the same list. See [Add another payment provider](add-another-payment-provider).

Each provider is a separate company: opening the account, its fees and its terms are an agreement between you and that provider.

## How to choose {#how-to-choose}

Three questions narrow the list quickly.

1. **Where is your company?** A provider opens accounts only in the countries it serves, so start from the providers that cover yours.
2. **What currency are your invoices in?** The payment page offers a provider only when it accepts the invoice's currency. Some providers accept a fixed list of currencies; for the others the platform sets no limit, and your account with the provider decides.
3. **How do your clients like to pay?** By card, by bank transfer, in instalments, or with a local payment method. Several providers can be published at once, and the client picks one on the payment page.

## The providers {#providers}

The countries are those each provider names for itself. The last column says whether the platform lets the provider take the Saudi riyal.

| Provider | Countries it covers | Saudi riyal |
|---|---|---|
| **Moyasar** | Saudi Arabia | Yes, with ten more currencies when multi-currency is on |
| **Tamara** | Saudi Arabia, the United Arab Emirates, Bahrain, Kuwait and Oman | Yes, for clients in Saudi Arabia |
| **Bank transfer** | Any bank | Yes |
| **Amazon Payment Services** | The Middle East and North Africa | Your account decides |
| **Paymob** | The Middle East: accounts in Saudi Arabia, the United Arab Emirates, Oman or Egypt | Yes, for an account in Saudi Arabia |
| **Stripe** | The United States and many other countries | Your account decides |
| **PayPal** | Worldwide | No |
| **Adyen** | Europe and the United States | Your account decides |
| **Authorize.net** | The United States, Australia and Canada | Your account decides |
| **Mollie** | Several European countries | No |
| **Buckaroo** | Several European countries | No |
| **Worldline** | Several European countries | Your account decides |
| **Redsys** | Spain | Your account decides |
| **Asiapay** | Most Asian countries | Yes |
| **Razorpay** | India | Yes |
| **PayU** | India | No |
| **Xendit** | Indonesia and the Philippines | No |
| **ECPay** | Taiwan | No |
| **Toss Payments** | South Korea | No |
| **Iyzico** | Turkey | No |
| **DPO Pay** | Several African countries | Your account decides |
| **Flutterwave** | Several African countries | No |
| **Mercado Pago** | Several Latin American countries | No |
| **Nuvei** | Latin America | No |

The list also holds two cards that are not providers for your clients: **Demo**, which runs fake payments to try the payment page, and **SEPA Direct Debit**, which cannot be installed on the platform (its **Upgrade** button leads outside it).

## What every provider shares {#shared}

Whatever the provider, the card works the same way, and [How an online payment reaches the books](how-an-online-payment-reaches-the-books) applies to all of them:

- a **State**: **Disabled**, **Test Mode** (unpublished, for the firm's own users) or **Enabled** (published to every client);
- the **Payment Methods** it offers, and its **Availability** by amount, currency and country;
- the **Payment Journal** that records its payments, and the **Messages** the client reads at each stage.

Bank transfer is the exception: its card has no keys, no payment methods and no payment journal, only the pending message; nothing is taken online, and the invoice is paid only when you record the money that reached your bank.

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- Source: https://jaah.app/docs/online-payments/which-payment-provider
- Updated: 2026-10-28
- Version: Online payments 19.0.1.3.0