Souhoola Egypt is a Mobile application and website that provides financial services that offer installment payment services for long periods, so you can buy now and pay later (BNPL). Souhoola offers stores to buy mobiles , car maintenance, electronic and electrical appliances, outfits, jewelry and accessories in installment.



In this article, you will learn about:

Supported Regions


Merchants in Egypt can enable Souhoola as an APM.

Activation Requirements


-As a merchant, you need to have active accounts on PayTabs & Souhoola.


To know more about how to create an account on PayTabs and what the requirements check our What are the required KYC documents to activate/open my account on PayTabs? solution article.


-To activate Souhoola :
Raise a request to [email protected] along with your merchant ID.

What are the Features that Souhoola supports?

Souhoola Down Payment


Souhoola down payment is an option that you can enable or disable depending on your business needs from the "Profile" tab.


 

By clicking on the edit button you will be redirected to the screen shown below which has several options as listed here:

  1. (Enabled): Enable or Disable the down payment option
  2. (Force Zero): also means that the down payment will always be zero.
  3. (Editable): Give the authority to edit the down payment amount to the customer
  4. (Maximum % of total): You can set the percentage of the down payment of the transaction amount
  5. (Maximum amount): You can set the Maximum amount of the down payment
  6. (Zero if max down payment is below): The down payment will be Zero if the customer puts any amount below the amount you have set before. 

Note:For 6 months of Installment tenure: the minimum amount after the down payment must be 500EGP or higher,

For any other tenure, the minimum amount after the down payment must be 1000EGP or higher.



Souhoola Payment Workflow (User Experience)


The Souhoola payment method is hosted by PayTabs, which means that it 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 the Souhoola payment method (via one of our integration methods listed in our How to integrate with PayTabs? solution article), when the cardholder proceeds to checkout on the merchant side, they will be redirected to the PayTabs hosted payment page to provide his phone number to complete the payment as shown below:


Once the customer is redirected to the payment page he/she will pick Souhoola as below.

 


 


Then the customer will be required to enter his details to proceed to the next step.

 

 

After that, the customer can see an option for a downpayment: XXX EGP (must be less than the cart amount).

  1. The minimum transaction amount for 6 months tenure is 500EGP.
  2. The minimum transaction amount for tenures: 9, 12, 18, 24, 36, 48, and 60 months is 1000EGP.


  

Then the customer can pick the tenures that suit his needs from  6, 9, 12, 18, 36, 48, or 60 months.

 

 

Then will wait for the OTP sent by Souhoola to confirm the transaction.

 

 

The final step is the confirmation that the payment is successful.

 

 

Transactions that have been paid through Souhoola will be tagged in the payment method in the transaction detail window as shown below.

 



The Settlement Flow

 

Please note that settlement happens from Souhoola directly and the SLA for it is 15 Working Days.

The Refund Process Flow

 

Please note that you can refund the total amount of the transaction or a part of it, and the refund will happen within 30 business days and you can follow this article How to Refund an Authorized Transactions.