noon payments

Noon Payments: What You Need To Know Before You Integrate
If you sell online in the Gulf or wider MENA region, noon payments gives you a single way to accept cards, local debit networks, and major wallets across web and mobile.
Where Noon Payments Operates
You can sign up and process with noon payments if your business is located in the Middle East and North Africa. The documentation lists availability in the United Arab Emirates, Saudi Arabia, Egypt, Kuwait, Oman, Jordan, Lebanon, Bahrain, and Qatar. Noon also indicates coverage across all GCC countries and supports a mix of global and local methods so you can localize checkout per market.
Supported Payment Methods
You can enable a broad set of rails without juggling multiple providers.
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International card schemes: Visa, Mastercard, American Express, JCB, UnionPay.
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Local debit networks: mada (Saudi Arabia), Meeza (Egypt), KNET (Kuwait), OmanNet (Oman), BENEFIT (Bahrain).
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Digital wallets: Apple Pay, Google Pay, Samsung Pay with both hosted checkout and direct flows.
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Click to Pay: Visa Click to Pay is supported, reducing card entry and encouraging network tokens.
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Pay by link and invoices: Generate secure links or itemized invoices to collect payments without a website.
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Installments and BNPL: Offer bank EMI plans and connect BNPL providers supported in-market, increasing affordability at checkout.
This mix lets you localize your acceptance while retaining a single reconciliation view in your merchant portal.
Integration Options
Noon payments provides multiple paths so you can balance speed to market with PCI scope.
Hosted Checkout
Use a noon-hosted payment page and redirect customers at the payment step. Hosted checkout handles card entry, 3D Secure, and wallet redirects. It is PCI Level 1 certified and is the lowest-effort path to go live.
Direct API
If you require a fully embedded experience, integrate server to server with the payments API. With Direct, you collect card data on your side and send it to the gateway. This model requires you to meet PCI SAQ D obligations. Noon documents the full order lifecycle, including initiation, authorization, and capture.
JS Managed Fields
For web, the JavaScript SDK provides managed input fields that keep card data in noon’s domain while you host the page. This reduces your PCI exposure compared to full Direct and preserves a seamless UI.
Mobile SDKs
Native SDKs for iOS and Android support in-app payments, including wallet flows like Apple Pay and Google Pay that rely on the respective platform SDKs.
Plugins for E-commerce Platforms
If you use an off-the-shelf cart, you can install plugins for Shopify, WooCommerce, Magento, and OpenCart. These plugins route payments through noon and expose basic configuration in the platform admin.
Payment Links and Invoicing
From the portal or API, generate a one-time or reusable link and share it via email, SMS, or chat. For invoicing, create itemized invoices with an embedded payment button and track status in the dashboard.
Webhooks and Environments
Use webhooks for asynchronous events like 3D Secure outcomes, capture confirmation, or reconciliation updates. Noon provides separate Sandbox and Live environments with distinct endpoints and credentials so you can build and test safely.
Security, Compliance, and Checkout Protection
Security controls are documented across products so you can map them to your risk program.
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PCI DSS: Noon states Level 1 PCI DSS compliance for its environment. Using hosted checkout or managed fields keeps sensitive data in noon’s scope and reduces yours.
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3D Secure: For card payments, noon handles 3D Secure by redirecting to the issuing bank’s ACS when required. Liability shift and ECI values are available so you can track authentication status.
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Tokenization: Card tokens can be created and stored in noon’s vault. You can use tokens for one-click checkout and recurring charges.
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Token Connect: If you operate with multiple acquirers or providers, Token Connect centralizes tokens in a single vault to reduce provider lock-in and ease migrations.
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Fraud screening signals: The API accepts device identifiers and exposes fraud-related result codes. Best-practice guidance covers handling declines from 3D Secure or fraud screening and avoiding repeated retries.
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Wallet security: Apple Pay, Google Pay, and Samsung Pay integrations follow each wallet’s SDK and brand guidelines so device tokens and cryptograms are handled correctly.
Together, these controls help you satisfy PCI, Strong Customer Authentication where applicable, and internal risk policies without building a custom gateway.
Billing Models: Subscriptions, Offers, and Installments
You can support flexible billing without a separate subscription engine.
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Subscriptions and recurring: Noon’s billing APIs allow you to attach a saved payment source and automatically authorize and capture per schedule. Use categories and routing rules to control which MID or currency applies.
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Offers and promotions: Configure issuer or network-based promotions such as cashback or discounts, then surface them in checkout to lift conversion.
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Installments (EMI): Query partner bank EMI plans and present eligible tenures at checkout. Use installments for higher AOV categories in markets where customers expect card-based EMI.
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BNPL connectivity: Check for BNPL options from supported providers in eligible countries and present them alongside cards and wallets.
These features help you optimize approvals and conversion while keeping operational logic inside the payments layer.
Operations: Refunds, Settlement, and Disputes
You control post-payment operations through the API or portal.
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Authorization and capture: Use immediate sale or a two-step flow. Best practice is to authorize first and capture when you ship or deliver.
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Refunds and voids: Trigger Refund operations for settled transactions. For authorizations you will not fulfill, void the auth so funds are released faster. Noon notes typical customer receipt of refunds within several working days, subject to issuer timelines.
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Chargebacks: Noon documents the chargeback concept and provides dispute visibility in the merchant portal. You can monitor statuses and compile evidence from the transaction history exported via the API.
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Reconciliation and reporting: Retrieve full order details, transaction history, and states through the API, and subscribe to webhooks for reconciliation updates.
This toolkit lets your finance and support teams handle common cases without depending on engineering.
Currencies, Localization, and UX
Noon supports multi-currency acceptance and localized payment method mix so you can show customers the rails they trust. Hosted checkout and HPP pages can be branded with your logo, while plugins inherit your storefront theme. For returning customers, saved cards enable one-click payment via tokenization, improving repeat purchase UX without compromising PCI posture.
Onboarding, MIDs, and Acquirer Setup
To go live you sign up on the noon payments site and submit business information for verification. Noon provides the gateway and integration support. In the region, Merchant IDs (MIDs) are issued by acquiring banks, and you will need the appropriate acquiring setup for international and local payment methods. Noon’s team works with you on routing and MID configuration so the correct rails are used per country, currency, and scheme. If you are only testing, start in Sandbox and move to Live after verification.
When Noon Payments Is A Good Fit
Choose noon payments if you need to:
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Localize acceptance across GCC plus Egypt with mada, KNET, OmanNet, BENEFIT, and Meeza beside global schemes.
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Offer wallets and network experiences like Apple Pay, Google Pay, Samsung Pay, and Click to Pay with minimal build.
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Start fast on hosted checkout or plugins, then migrate to JS managed fields or Direct API when you need a fully embedded UI.
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Run subscriptions, offers, and installments from the same provider while keeping tokens portable via Token Connect.
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Keep PCI scope constrained to SAQ A or A-EP while meeting brand and acquirer security expectations.
If you require in-depth risk rules, advanced payout flows, or multi-acquirer orchestration beyond token portability, confirm those specifics during solutioning.
noon payments: Frequently Asked Questions (FAQs)
Where can I use noon payments?
You can use noon payments if your business operates in the Middle East and North Africa, including GCC markets such as the United Arab Emirates, Saudi Arabia, Kuwait, Oman, Bahrain, and in nearby markets like Egypt, Jordan, Lebanon, and Qatar.
Which payment methods does noon payments support?
You can accept global card schemes like Visa, Mastercard, American Express, JCB, and UnionPay, as well as local networks such as mada, KNET, BENEFIT, OmanNet, and Meeza. Digital wallets and Click to Pay are also available.
Does noon payments support Apple Pay and Google Pay?
Yes. You can enable Apple Pay, Google Pay, and Samsung Pay with hosted checkout and native SDK flows that follow each wallet’s brand and platform requirements.
What integration options are available?
You can integrate via hosted checkout, JavaScript managed fields, direct server to server APIs, and native iOS and Android SDKs. Plugins for Shopify, WooCommerce, Magento, and OpenCart are also available.
How does noon payments handle PCI DSS and card data?
Noon payments operates a PCI DSS Level 1 environment. Using hosted checkout or managed fields keeps sensitive card data within noon’s scope and can reduce your PCI obligations compared to a full direct integration.
Is 3D Secure supported?
Yes. 3D Secure is supported for card payments. Authentication outcomes and related indicators are available so you can record liability shift and ECI values in your system.
Can I save cards for one click checkout and subscriptions?
Yes. You can tokenize cards in noon’s vault for one click payments and recurring billing. Token Connect helps keep tokens portable if you use multiple acquirers or providers.
Does noon payments offer payment links and invoicing?
Yes. You can create payment links and itemized invoices from the portal or API to collect payments without a custom checkout.
What reporting and webhooks are available?
You can subscribe to webhooks for events like authorization, capture, refund, and 3D Secure outcomes. Reporting and reconciliation data are available in the portal and through the API.
How do refunds and chargebacks work?
You can issue refunds via the API or portal after settlement and void authorizations you will not capture. Chargeback details are visible in the merchant portal so you can track disputes and submit evidence.
How is pricing structured?
Noon payments does not publish a universal price list. Fees vary by market, payment method, acquirer setup, and volumes, so you need to request a tailored quote.
How do I get started and move from Sandbox to Live?
You start in Sandbox, integrate, and test with separate credentials. To go live you complete merchant onboarding and verification, configure your acquirer and MIDs, then switch to Live keys.