NATIONAL PAYMENT SWITCH
Processing billions of domestic transactions on a secure, always-on payment rail that connects banks, fintechs, government entities, ATMs, POS, and digital channels all on one unified platform.
PayTabs SwitchOn®: The Ultimate Financial Transaction Switching Solution
Seamlessly manage and authorize transactions in real-time with our master switching technology, ensuring scalability and efficiency.
Our solution is most suited for:
Banks
Payment service providers/Processors
Networks
Businesses with a retail interface
Financial Institutions
Payment aggregators/Program Managers
Device/Channel makers
Acquiring Switch
Turn payment processing into a profit engine
Route millions of transactions in real time between merchants, banks, and global networks – optimized for cost, speed, and approval rates.
Total transaction visibility
Lower national processing cost at scale
Faster financial inclusion
A future-ready domestic payment rail
The acquirer advantage
Higher authorization success
Lower processing cost
Faster merchant onboarding
One platform for your entire terminal estate
Real-time intelligent routing
Route by BIN, issuer, merchant, channel, cost, and performance with automated failover, smart retry, load balancing, and store-and-forward for offline continuity. Process POS, SoftPOS, ATM, mPOS, eCommerce, and QR on a single high-volume acquiring core.
Rapid merchant & terminal scale
Digital onboarding
Multi-TID deployment
Remote key injection
OTA terminal updates
Merchant-level routing controls
Automated settlement & reconciliation
Real-time tracking
Accurate net settlement
Partner-ready reconciliation
Performance you can measure
Higher approval rates
Lower cost per transaction
Real-time operational visibility
Scalable acquiring infrastructure
With platform ownership driving long-term margin expansion
The largest network of local switches in the Region
With the most extensive footprint in the region, we power secure, efficient transactions through our local switching infrastructure network of mada in KSA, OMANET, Amwal in Iraq and KNET in Kuwait.
Why it matters
Legacy infrastructure slows innovation and exports transaction value. PayTabs brings payments back under national control with full visibility, local data residency, and scheme interoperability.
What you enable
A unified domestic payment network
Real-time authorization, clearing & settlement
Interoperable ATM & POS ecosystems
Multi-institution connectivity
Data-driven national payment intelligence
Built for scale
Deploy on-premise, national cloud, or hybrid. Process every channel – cards, QR, accounts, tokens, digital. Connect issuers, acquirers, processors, and aggregators on a MACH-based, microservices architecture.
Issuer processing for real-time card control
Launch and manage any card program with full issuer authority.
Real-time authorization, balance inquiry & ledger updates
Flexible card program configuration & limits control
Always-on processing with intelligent host fallback
Direct connectivity to global and domestic schemes
API-first integration with core banking, wallets & fintechs
Multi-institution, multi-currency, multi-host support
Security without compromise
PCI DSS compliance
PIN & PAN encryption
Fraud-integrated card management
Full transaction logging & audit trails
Real-time monitoring, alerts & notifications
Every transaction secure, traceable, regulator-ready
The outcome
Total transaction visibility
Lower national processing cost at scale
Faster financial inclusion
A future-ready domestic payment rail