Middle East Local Payment Gateway Comparison: PayTabs vs HyperPay vs Moyasar

Here are the top three payment gateways in the Middle East PayTabs, andHyperPay respond in singing Moyasar The comparative analysis covers key dimensions such as core functionality, regional suitability, cost structure, etc., to help you choose the most appropriate solution based on your business needs:

1. Comparison of basic information

dimension (math.) PayTabs HyperPay Moyasar
Established 2014 (Saudi Arabia) 2015 (Jordan) 2018 (Saudi Arabia)
Country coverage GCC-based (Saudi Arabia, UAE, etc.) + global expansion GCC + North Africa + part of Europe Focus on Saudi Arabia and gradual expansion of GCC
Support Currency Multi-currency (including mainstream Arabic currencies) SAR/AED/USD/EUR-based SAR/AED/USD

2. Core functions and strengths

(1) PayTabs

  • Localised Deep Adaptation:
    • Full GCC area coverage and support for local payment methods (e.g. Mada Card, Apple Pay/Google Pay).
  • Enterprise Tools:
    Offers an anti-fraud system, instalment options and an embedded checkout page.

(2) HyperPay

  • Cross-regional flexibility:
    High market penetration in Jordan and North Africa, suitable for cross-border business.
  • technology integration:
    Provides an API priority scheme and subscription billing capabilities.

(3) Moyasar

  • Developer Friendly:
    Simple API documentation and sandboxed environment for rapid integration by technical teams.

3.

Cost structure

(The following are examples of common rates)

Transaction fees (regular) Cross-border surcharge
[^paytabs] ~2.9% + Fixed Fee[^hyperpay] ~2.5%-3% (In-GCC Offer)[^moyasar] ~3% (No Monthly Fee)

[^footnote].

Concluding recommendations

✅ [E-commerce enterprises] → PayTabs: A wealth of local payment options and marketing tools.

✅ [SaaS/subscription-based] → HyperPay: Regular debit function and multi-currency support.

✅ [Start-ups/developers] → Moyasar: Low-cost access + sandboxed test environments.

⚠️ Note: Final selection is subject to negotiation of rates in conjunction with specific transaction volumes!

4. Technology integration and developer experience

dimension (math.) PayTabs HyperPay Moyasar
API Documentation Quality Sophisticated but complex (requires commercial support) Clearly structured, multilingual examples Minimalist design with full Arabic/English support
SDK/Plugin WordPress, Magento and other mainstream platforms Laravel, Node.js-specific libraries Open source PHP/Javascript library, lightweight
sandbox environment Application review required (1-3 business days) Instant test account generation One-click activation, real-time trading simulation

5.

Compliance and Security

(Key requirements for the Middle East market)

  • [Islamic finance compliance]
    onlyHyperPayrespond in singingPayTabsCertified by Sharia (suitable for religiously sensitive business).

  • [PCI DSS rating]
    All three are Level-1 highest certifications.

  • [Data sovereignty]
    MoyasarAll servers are located locally in Saudi Arabia (in compliance with the Saudi Cloud Storage Mandatory Policy).

6.

Special Scene Support

(1) BNPL (buy now pay later)

onlyPayTabsProvide in-built staging solutions (partnering with local BNPL service providers such as Tamara).

(2) Tokenised payments

HyperPay's "Vault" feature allows reordering of memory card information (additional activation required).

(3) WhatsApp payments

Moyasar exclusively supports WhatsApp Business API collections in Saudi Arabia.

Final decision tree

graph TD

    A[Main markets of operations?] --> B [Saudi Arabia]

    A --> C [UAE/Gulf States]

    A -> D [Jordan/North Africa]

    

    B --> E {Does it require WhatsApp payment?}

    E -- Yes --> F (for Moyasar)

    E -- No --> G (compare PayTabs/HyperPay rates)

    

    C --> H (Priority PayTabs localisation override)

    

    D --> I (select HyperPay cross-border channel)

Recommendations for action

  1. test sandbox:: Moyasar can complete technical validation on the same day; the other two need to allow at least a week.
  2. Rate Negotiation Techniques: HyperPay offers customised solutions for businesses with monthly turnover of more than $50k.
  3. hedge: PayTabs has licence restrictions in Egypt and needs to confirm credentials before expanding into North Africa.

For country-specific payment method coverage data or API response time test reports, further details of the requirements can be provided!