Wadira: Find your way through Saudi data & privacy law.
Home › Frameworks › Financial services › Payment Services Provider Regulatory Guidelines
| Type | Guideline |
|---|---|
| Issuing authority | Saudi Central Bank (SAMA) |
| Framework | Financial services |
| Tier | Guidelines & circulars |
| Legal status | Guidance |
The Payment Services Provider Regulatory Guidelines, issued by SAMA in January 2020, were the Kingdom's first dedicated regulatory framework for non-bank payment service providers, and remain useful as the definitional companion to the payments regime.
Article 1 supplies an extensive interpretation catalogue (defining account information services and providers (open-banking-style data aggregation), acquiring of payment transactions, agents, alternative delivery channels, authentication, e-money and the rest of the payments vocabulary) while Article 6 sets out the licensing pathway to SAMA for applicants across the payment-institution and e-money categories. The Guidelines also carry conduct, record-keeping and AML expectations, cross-referencing the Anti-Money Laundering Law.
SAMA issued the updated Payment Services Provider Regulations in August 2020, which restate and supersede the substance of this framework; the Law of Payments and Payment Services (2021) later gave the sector its statutory base. The Guidelines are retained in the atlas as the origin document of the Saudi payments rulebook and the fullest glossary of its defined terms.
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