In this article, you will be going to know about:



What is STCpay?


STCpay is a digital wallet that allows the clients to pay online. Clients must register in STCpay app and have sufficient balance in STCpay wallet. 



Supported Regions:


STCPay can be activated for live merchants in Saudi Arabia



How to activate STCpay?


Please follow the below instructions for STCpay activation: 

For Merchant with Establishment business license OR Freelancers Certificate  


  1. Register through the Self Onboarding Link (https://merchant.stcpay.com.sa/register/en/).
  2. Share below details with customer care team ([email protected])
  • PayTabs account MID
  • STCpay MID
  • company name
  • website URL
  • Email address
  • Phone number


Our team will share the above details with STCpay to start the onboarding  process and then enable the service on your PayTabs account.



For Multi Owner OR Company  - It should be onboarded by stcpay team plz find the process below:

Please Share below details with customer care team ([email protected])

  • PayTabs account MID
  • company name
  • website URL
  • Email address
  • Phone number

Our team will share the above details with STCpay to contact you to sign the agreement and then enable the service on your PayTabs account.



STCpay payment workflow


STCPay payment flow is hosted by PayTabs. which means that the payment will be managed and processed on our side. 


You can have the same page embedded in your checkout page by following our How to not redirect my customers to an external payment page? (iFrame/Embedded Mode) solution article.


Using STCPay payment method, when the cardholder proceed to checkout page, they will be redirected to PayTabs payment page to enter the OTP and proceed with the payment



Transactions done using STCPay, will show in the payment method in the transaction detail window






What are the payment features that STCPay supports?


Using STCPay method, you can easily perform "Sale" and "Refund" transactions, but NO Auth/Cap or Recurring transactions are allowed using STCPay.


Check "what is the transaction type" article for further details 

The Settlement Flow


STC payments payments are directly settled in your STCpay wallet immediately as soon as the payment has passed successfully.  



The Refund Process Flow


 STCpay transactions can be refunded from PayTabs dashboard by clicking on the transaction ID, and then click on the refund button as shown below or you can perform the refund from STCpay app directly. 





Check Article for possible error merchants might face when using STCpay