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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
2026-04
2025-10
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
Payment Services Provider
UAE
PAYTABS PAYMENT SERVICES PROVIDER L.L.C
Payment Services Provider
Saudi Arabia
PT Arabia Limited
The stack
Payments / PSP
PayTabs Payment Gateway (self-operated)PayTabs Payment Orchestration (self-operated)SoftPOS / PT Touch (self-operated)
Banking / BaaS
PayTabs Issuance (in-house)
Card issuing
PayTabs Issuance (in-house)
Lending
FlapKapFlapKap revenue-based financing (UAE SMEs)Tabby BNPL at checkoutInstallments by PayTabs
Open banking
Fintech Galaxy
Accounting
XeroWooCommerceMagentoPrestaShopOpenCartShopify
Accounting gap: minor