Skip to main content
STC Pay is a digital wallet in Saudi Arabia. Customers pay with the mobile number registered to their STC Pay wallet and confirm each payment with a one-time code that STC Pay sends by SMS. Payrails processes STC Pay through Checkout.com.

​
How an STC Pay payment works

STC Pay is a wallet payment method with a one-time code step. The customer stays on your checkout the whole time:
  1. The customer selects STC Pay at checkout and enters the mobile number registered to their wallet.
  2. Payrails creates the payment at Checkout.com, and STC Pay sends a one-time code to that number by SMS.
  3. Payrails returns a collectInput action that asks for the code.
  4. The customer enters the code, and the code goes to Payrails through the execution’s confirm link.
  5. Payrails receives the final result from Checkout.com and updates the payment.
Each payment is single-use: the customer confirms every payment with a new code. Payrails captures STC Pay payments immediately, so a successful payment is final. To return funds, refund the payment.

​
Supported currencies and countries

STC Pay supports SAR (Saudi riyal) as its presentment currency. STC Pay is available to customers based in:
RegionsCountries
Middle East🇸🇦 Saudi Arabia

​
Integrate STC Pay

Choose the PSP that processes STC Pay for you. The guide covers the PSP-side setup, the Payrails configuration and the request fields that PSP requires.

Checkout.com

STC Pay via Checkout.com

​
Check PSPs

WorkflowCheckout.com
Payrails SDK✔
Payrails API✔
Delayed / Manual Capture✖
Instant Capture✔
Cancel / Void✖
Refund / Reverse✔
Save Instruments✖
Merchant Initiated Transaction (MIT)✖

​
Ways to integrate STC Pay

  • Payrails SDK: the Web SDK shows STC Pay when your workflow returns it as a payment option. The SDK collects the customer’s phone number, then shows a screen where the customer enters the code STC Pay sends by SMS and clicks Confirm. Follow How to accept APMs without a redirect for the full integration, including how to change the form’s appearance and texts.
  • Payrails API: call lookup payment options, authorize with stcPay as the paymentMethodCode, then confirm the payment with the code. The PSP guide lists the fields that PSP requires.
In both cases, confirm the final result through webhook notifications or the execution status.
STC Pay is supported in Web SDK version 6.10.0 onwards.
Last modified on November 3, 2026