# PayTabs

> Source: https://docs.barcoder.ai/docs/wallets/paytabs
> research date 2026-05-29 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [PayTabs — official](https://paytabs.com/)

## Overview

**PayTabs** is **Saudi-built AI-powered payment-orchestration platform** for MENA merchants <sup>[1][1], [2][2], [Saudi Arabia report](https://docs.barcoder.ai/docs/payments/SA)</sup>. **Founded 2014 in Riyadh by Abdulaziz Al Jouf** with vision to help merchants across MENA access a secure way to get paid online.

**2025 strategic milestones** <sup>[3][3]</sup>:
- **Crossing SAR 325 billion in transaction processing** shortly.
- **AI-powered services to over 1 million clients by July 2025**.
- **Card volume**: biggest in Saudi online payment-gateway space.

**October 2024 milestone**: **PayTabs became the first in Arab World to be recognized as a Top 100 Global Fintech Company** — distinctive Saudi-built payment technology going global.

**PayTabs Paymes Super App** <sup>[4][4]</sup>: All-in-One Payment Acceptance for Small Merchants — payment gateway + onboarding + invoicing + QR code + social media payments + POS + switching platforms.

## History

**2014 — PayTabs founded** <sup>[2][2]</sup> in Riyadh by **Abdulaziz Al Jouf** — Saudi entrepreneur.

**2018-2023 — MENA payment-orchestration expansion** <sup>[1][1]</sup>: SA + AE + EG + JO + BH + KW + OM + QA + IQ.

**October 2024 — Top 100 Global Fintech (first Arab World)** <sup>[3][3]</sup>.

**By July 2025 — 1M+ clients + AI-powered services + SAR 325B tx processing** <sup>[3][3]</sup>.

## Ownership & operator

**Operating entity**: **PayTabs Group** (Saudi-headquartered MENA payment-orchestration fintech).

**Founder**: **Abdulaziz Al Jouf** (Saudi entrepreneur; founded 2014).

**Regulators**: **SAMA (Saudi Central Bank)** + per-country MENA regulators (UAE CBUAE, Egypt CBE, etc.).

## Technical integration

| Layer | Description |
|---|---|
| **Channels** | PayTabs API + online checkout + merchant QR + Paymes Super App + social-media payments + POS + switching platforms |
| **Identifiers** | Card + QR + Mada (SA national debit) |
| **SA rail** | **[Mada](https://docs.barcoder.ai/docs/standards/mada)** (Saudi national debit + POS-mandatory) |
| **AI-powered platform** | AI-driven payment orchestration + fraud detection + routing |
| **Sub-products** | Payment Gateway + Paymes Super App + Onboarding + Invoicing + QR + Social Media Payments + POS + Switching for banks + financial institutions + fintechs |
| **Countries** | SA primary + AE + EG + JO + BH + KW + OM + QA + IQ (9 MENA countries) |

## Users & growth

**By July 2025 baseline** <sup>[3][3]</sup>:
- **Target clients**: 1+ million
- **Transaction processing**: SAR 325 billion shortly to cross
- **Recognition**: First Arab World Top 100 Global Fintech (Oct 2024)
- **MENA coverage**: 9 countries (SA + AE + EG + JO + BH + KW + OM + QA + IQ)

## Use cases

MENA merchant payment-orchestration via PayTabs API; Paymes Super App for SME payment acceptance; social-media payments + QR + invoicing + POS; payment-switching infrastructure for banks + financial institutions + fintechs; SA card-volume processing; cross-border MENA payment-rails.

## Implementations & partners

**Operator**: **PayTabs Group** (Saudi-headquartered; Abdulaziz Al Jouf founder).

**Major MENA payment-processor competitors**:
- **[Geidea](https://docs.barcoder.ai/docs/wallets/geidea)** (SA #1 payment-acceptance with 75% SA market share)
- **[Hala](https://docs.barcoder.ai/docs/wallets/hala)** (Saudi SME comprehensive infrastructure)
- **HyperPay** (Saudi-headquartered MENA payment gateway)
- **Tap Payments** (Kuwait-headquartered MENA gateway)
- **Telr** (UAE-Singapore payment gateway)
- **[Network International](https://docs.barcoder.ai/docs/wallets/network-international)** (Brookfield-led; $400B+ combined TPV post-Magnati merger)
- **[Fawry](https://docs.barcoder.ai/docs/wallets/fawry)** (Egypt's #1 payment platform)

**Regulators**: **SAMA + per-country MENA**.

## Fun facts

- **2014 founding in Riyadh by Abdulaziz Al Jouf** — Saudi payment-orchestration pioneer.
- **First in Arab World to be recognized as a Top 100 Global Fintech** (October 2024).
- **By July 2025: 1M+ clients + SAR 325B tx processing**.
- **AI-powered payment orchestration platform** — distinctive AI-driven MENA fintech.
- **Saudi-built payment technology going global**.
- **9-country MENA reach**: SA + AE + EG + JO + BH + KW + OM + QA + IQ.
- **PayTabs Paymes Super App** for SME payment acceptance.
- **Card volume biggest in Saudi online payment-gateway space**.

## Comparison

| Feature | PayTabs | [Geidea](https://docs.barcoder.ai/docs/wallets/geidea) (SA #1 payment-acceptance rival) | [Hala](https://docs.barcoder.ai/docs/wallets/hala) (Saudi SME comprehensive comparable) | HyperPay (SA MENA gateway rival) | Tap Payments (KW MENA gateway rival) |
|---|---|---|---|---|---|
| Operator | **PayTabs Group (Saudi-headquartered; Abdulaziz Al Jouf founder 2014)** | Geidea (Gulf Capital-acquired 2018) | Hala (TPG + Sanabil $157M Sep 2025) | HyperPay | Tap Payments |
| Type | **MENA payment-orchestration + AI-powered + Paymes Super App + Switching** | SA #1 payment-acceptance + POS + 75% SA market share | Saudi SME comprehensive financial infrastructure | SA MENA payment gateway | Kuwait MENA payment gateway |
| Country | SA + AE + EG + JO + BH + KW + OM + QA + IQ (9 MENA) | SA + AE + EG | Saudi + UAE | SA + MENA | Kuwait + MENA |
| Distinctive | **First Arab Top 100 Global Fintech (Oct 2024); SAR 325B tx; AI-powered; card volume biggest in SA online** | 700K+ POS terminals + 150K+ merchants + 5M+ daily tx; 2018 SAR 1B Gulf Capital | Sep 2025 $157M Series B (TPG + Sanabil); Saudi SME infra | SA-anchored payment gateway | Kuwait-anchored MENA gateway |

## Status

**Active, Saudi-built AI-powered MENA payment-orchestration platform** <sup>[1][1], [3][3]</sup>:
- **PayTabs Group (Abdulaziz Al Jouf founder)** since 2014.
- **By July 2025: 1M+ clients + SAR 325B tx processing**.
- **First Arab World Top 100 Global Fintech (Oct 2024)**.
- **9-country MENA reach + AI-powered orchestration platform**.
- **SAMA + per-country MENA regulated**.

## Sources

[1]: https://paytabs.com/en/ "PayTabs — official"
[2]: https://www.cbinsights.com/company/paytabs "PayTabs — CB Insights"
[3]: https://ai.paytabs.com/pr/paytabs-group-achieves-fintech-dominance-with-its-saudi-built-ai-powered-payment-orchestration-platform/ "PayTabs Saudi-built AI orchestration dominance — PayTabs PR"
[4]: https://paytabs.com/en/superapp/ "PayTabs Paymes Super App"
[sa-cro]: https://docs.barcoder.ai/docs/payments/SA

- [1] [PayTabs — official][1]
- [2] [PayTabs — CB Insights][2]
- [3] [PayTabs Saudi-built AI orchestration — PayTabs PR][3]
- [4] [PayTabs Paymes Super App][4]
- <sup>[Saudi Arabia report](https://docs.barcoder.ai/docs/payments/SA)</sup> In-corpus: `reports/countries/SA-saudi-arabia.md`

## Source

Biography extracted from [paytabs.md](https://docs.barcoder.ai/source/wallets/paytabs). See `matrix.md` for standards-support matrix if present.