Saudi Arabia's e-commerce has a high share of mobile orders, and electronic payment usage has been steadily expanding alongside the Vision 2030 policy. Although it is a market with high iPhone usage, its Android user base is also substantial, so keeping Google Pay available alongside Apple Pay—supporting one-click payment with cards saved in the Chrome/Android environment—lets you provide a simple payment experience regardless of device. Google Pay likewise processes card information as a token so the actual card number is never passed to the merchant, and in Saudi Arabia it is a relatively recently expanded method alongside Mada integration.

It is a high priority for merchants that have already adopted or plan to adopt Apple Pay and want to also match the payment convenience of Android customers, and for businesses selling digital products with high Android usage, such as games and app services, to Saudi Arabia. Rather than adopting it alone, we recommend an approach that pairs it with Mada and Apple Pay to complete coverage across devices.

When a consumer selects the Google Pay button on an Android smartphone or in the Chrome browser, the card saved to their Google account is transmitted in tokenized form and the SAR payment is approved. Hecto Financial collects this amount in SAR, converts it, and settles it to the Korean merchant in one of the currencies contracted—USD, KRW, or JPY. The range of supported cards and the button implementation method vary by integration environment, so reviewing the technical documentation is necessary beforehand.

Korean merchants can consider accepting Google Pay payments from Saudi consumers through Hecto Financial integration alone, without any separate local contract process being required. However, actual availability of support and the fees, settlement cycle, and settlement currency options vary by industry and transaction volume, so confirmation before signing a contract is needed.

• Business registration country

  Confirm whether a contract is possible on the basis of a Korea-registered business

• Sales channels

  The integration method differs depending on whether you sell online only or also include offline stores in Saudi Arabia

• Product categories

  Advance confirmation is needed as to whether your category falls under the merchant policy restrictions of the Google Pay operator

• Local regulatory compliance

  Confirmation is needed on compliance with Saudi Arabia's payment and foreign exchange regulations (see official sources below)

Amounts paid by Saudi consumers via Google Pay are first collected by Hecto Financial in the local currency, SAR. Merchant settlement is made by converting this amount into the currency set under contract—USD, KRW, or JPY—with the settlement cycle and fees following contract terms. Refunds are processed based on the original card used for payment, and since Google Pay and card network policies apply together, please confirm the refund processing time in advance.

• Saudi Central Bank (SAMA)Official information on Saudi Arabia's payment systems and related regulations. If this page's content differs from actual regulations, the official source takes precedence.