SADAD

SADAD Overview For Merchants

If you sell to customers in Bahrain and need a straightforward way to collect payments online, by link, or through self-service kiosks, SADAD is a licensed local payment service provider that offers invoicing, e-commerce plugins, embedded checkout, and nationwide cash collection points. You can use SADAD to issue payment links with Sadded, plug into popular shopping carts, or direct customers to pay through the SADAD app and kiosk network while your funds settle to your bank account.

What Is SADAD?

SADAD Electronic Payment System BSC Closed is a Bahrain-based payments company licensed and regulated by the Central Bank of Bahrain as an Ancillary Payment Service Provider. That status places SADAD within the CBB framework for payment service providers that facilitate payment transactions and bill collections.

Core Products And Channels

Online Invoicing With Sadded

Sadded is SADAD’s invoicing solution for businesses that need to collect one-off or recurring payments without a full web checkout. You can create invoices and send them by SMS or email with a URL where customers complete payment. SADAD states merchants get a full history of dues and collections in one portal and that funds are received in the registered bank account within 24 hours.

Typical uses include deliveries, school fees, insurance and other service collections where a simple link or message is the fastest way to get paid.

E-commerce Integrations

If you run an online store, SADAD provides ready-made integrations. Its developer documentation lists plugins and modules for WooCommerce, Shopify, Magento 2, OpenCart, PrestaShop, ECWID, WHMCS and Cs-Cart. A WooCommerce plugin maintained under SADAD’s official GitHub confirms support for “SADDED by SADAD” in Bahrain and uses merchant API credentials for test or live mode.

Embedded Checkout, Payment Links And APIs

Beyond invoices, the API includes payment links and an embedded payment experience that keeps customers on your site or app. The reference includes endpoints for invoices, payment links, embedded payment sessions, products, subscriptions, refunds and webhooks, plus SDKs and a Postman collection. The docs also reference card payments and Apple Pay in the embedded flow. Availability of some features depends on account qualification.

Consumer Channels That Support Collections

SADAD’s consumer channels broaden how customers can pay you:

• Kiosks in 850+ locations around Bahrain accept cash and, at select points, cards for a wide set of billers and services.

• SADAD mobile app lets customers pay for utilities, telecom and other services with a card or in-app balance, supported by a 24-hour call center.

• Online Express Payment pages list many partner services and show convenience fees to payers where applicable.

These channels are useful when your customers prefer to pay in cash, or you need an offline fallback to an online invoice.

Payment Methods And Customer Experience

What your customers can use depends on channel and enablement:

• Cards and Apple Pay are referenced in SADAD’s embedded payment documentation, enabling familiar checkout experiences on web or mobile once your account is enabled for those methods.

• Cash at kiosks and cards at select kiosks extend reach to cash-preferring customers.

• Sadded links route the customer to a hosted page to complete the payment on any device.

Settlement, Reporting And Reconciliation

For Sadded invoicing, SADAD indicates that funds are deposited to your registered bank account within 24 hours. The merchant portal provides a complete history of dues and collections to aid reconciliation. If you integrate via a plugin or the API, you also have programmatic access to transaction and refund endpoints and can use webhooks to automate your back-office.

Security, Compliance And Licensing

• Regulatory status: SADAD is licensed and regulated by the Central Bank of Bahrain as an Ancillary Payment Service Provider. The CBB Rulebook defines payment service providers within the ancillary services framework that facilitate payment transactions and bill payments.

• PCI DSS: SADAD publishes that it continues to adhere to PCI DSS requirements for the security of cardholder data. This is essential if you accept card payments online or in app.

Support And Dispute Handling

SADAD lists a 24-hour toll-free call center and a published complaints and disputes handling procedure. Merchants or customers can submit complaints by letter, email, website or call center. SADAD says it will acknowledge correspondence within 5 working days and issue a formal response within 4 weeks, with a named Complaints Officer and contact details provided.

When SADAD Fits Best

• Bahrain-focused businesses that need a local, regulated PSP with omnichannel collection options.

• Merchants without a full web checkout who want to collect quickly using Sadded links sent by SMS or email.

• Online stores on popular carts that want a native plugin and simple credential-based setup.

• Organizations that collect bills and fees for education, government, telecom and similar services where kiosks and the consumer app are widely used by payers.

Key Takeaways

• SADAD is a locally licensed PSP with a strong Bahrain footprint, offering invoicing, cart plugins, APIs and a large kiosk network.

• Sadded links help you collect fast without a full checkout, with stated next-day settlement to your bank.

• Security and regulation are addressed through ongoing PCI DSS adherence and CBB licensing.