Islamic finance & ZATCA
across the Kingdom

Local Saudi stack wired in by default

Every Saudi engagement ships with the local payment, compliance and identity rails integrated from day one — no surprise vendor selection at the end of the build. Saudi operators expect Mada + Apple Pay as the default checkout, Tabby and Tamara as BNPL options, ZATCA Phase 2 e-invoicing on every invoice, and Arabic-first UX with proper RTL — and that's exactly what gets delivered.

Why Saudi operators choose islamic finance & zatca builds

• Senior delivery — the engineer who scopes the work is the same one who ships it. No junior hand-offs, no agency layers, no account managers between you and code.
• Fixed SAR pricing per milestone — invoiced in SAR for KSA entities, with ZATCA-compliant tax invoices end-to-end. No surprise change-orders, no time-and-materials drift.
• Saudi rails by default — Mada, Tabby, Tamara, STC Pay, ZATCA Phase 2 e-invoicing, Nafath SSO and bilingual EN/AR with proper RTL are part of the base scope, not phase 2 upsells.
• KSA business week — Sun–Thu working pattern, WhatsApp-first communication on +44 7782 267774, and async standups that respect Riyadh time. Most operators get a same-day response inside business hours.
• Full code + IP transfer on completion — production-grade Next.js / Postgres stack, documented, in your GitHub, with deployment that you own. No vendor lock-in.