About
SADAD is Saudi Arabia's national electronic bill presentment and payment system, established by the Saudi Central Bank (SAMA) and launched in 2004. It sits between billers and payers: a utility, telecom company, government agency or merchant registers a bill in SADAD, and the payer settles it by choosing the biller and entering a bill or subscription number in any local bank's app, internet banking, phone banking or ATM, or in a licensed digital wallet. Payment status is reported back to the biller automatically, and the Ministry of Finance describes it as a SAMA service for paying both government and non-government bills.
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