Digipay provides a single platform that handles payment processing, invoicing, biller integration, and reconciliation for businesses, consolidating all financial operations in one system. It supports global payment networks—including Visa, Mastercard, and Apple Pay—with PCI DSS SPA‑A compliance and tokenization via Visa Flex, and offers ZATCA‑certified e‑invoicing and real‑time analytics for transaction monitoring.
Funding
Funding not disclosed
Founders
Product
Problem
Enterprises often manage payments, invoicing, reconciliation, and biller integrations using separate systems, leading to operational inefficiencies, higher error rates, and complex compliance requirements.
Solution
Digipay offers a unified financial infrastructure platform that combines payment processing, real‑time reconciliation, e‑invoicing, and biller integration into a single API-driven solution. The platform connects to global card networks (Visa, Mastercard, Apple Pay) and regional billers (Sadad) while handling multi‑currency transactions in SAR, USD, EUR, and GBP. PCI DSS SPA‑A compliance is achieved through tokenized card data via Visa Flex, ensuring that sensitive information never touches the merchant’s servers. Real‑time analytics provide detailed reporting on revenue, volume, and success rates, enabling businesses to monitor performance and make data‑driven decisions. Automated reconciliation uses rule‑based matching and settlement automation to reduce manual effort and improve accuracy.
Target Audience
Primary customers are large enterprises and corporations in Saudi Arabia that require a scalable, secure, and compliant solution for end‑to‑end financial operations.
Features
- Single integration point for global payment networks and regional billers, supporting Visa, Mastercard, Apple Pay, and Sadad
- PCI DSS SPA‑A compliant tokenization that keeps card data off merchant servers
- Multi‑currency processing with automatic handling of SAR, USD, EUR, and GBP
- Real‑time analytics dashboard offering revenue, volume, and success‑rate reporting
- Intelligent reconciliation engine with rule‑based matching, configurable tolerances, and automatic discrepancy detection
- Settlement automation supporting multi‑tier commission structures, fee schedules, and tax calculations
- High availability architecture delivering 99.99% uptime and handling over $10 billion in annual transaction volume