PayTabs
“Can a Saudi-built payment orchestration platform become the dominant embedded fintech infrastructure layer across the MENA region?”
Founded2014
HQSaudi Arabia (Riyadh) / UAE
FoundersAbdulaziz Al Jouf
IndustryInfrastructure / Payments
The story
Founded in 2014 as a Saudi/MENA-focused payment gateway for SMEs, PayTabs evolved into a broader payment infrastructure company. Through acquisitions (Digital Pay 2022, TAPn'GO 2026) and partnerships (Tabby for BNPL, FlapKap for RBF, Fintech Galaxy for open banking), it expanded from merchant acquiring into payment orchestration, national payment switching, and card issuance — positioning itself as the embedded fintech infrastructure for banks, fintechs, and governments across MENA.
Last 12 months
Product timeline
2014
Founded by Abdulaziz Al Jouf as an affordable payment gateway for MENA merchants· launch
2021
Launched smartphone-based POS (SoftPOS) solution· product
2022
Acquired POS tech firm Digital Pay to bolster merchant-app capabilities· acquisition
2023
Partnered with FlapKap (revenue-based financing) and Tabby (BNPL); partnered with Fintech Galaxy for open banking· lending
2025
Powered launch of Cuzdan payment orchestration platform in Azerbaijan· expansion
2026
Acquired UAE-based contactless payment provider TAPn'GO· acquisition
Regulated entities
2
regulatory licences held by PayTabs
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
6 layers disclosed in PayTabs’s embedded-finance stack
Payments / PSP
PayTabs Payment Gateway (self-operated)PayTabs Payment Orchestration (self-operated)SoftPOS / PT Touch (self-operated)
Banking / BaaS
in the full report
Card issuing
in the full report
Lending
in the full report
Open banking
in the full report
Accounting
in the full report
Accounting gap: minor
13 more providers across 5 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.