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STC Pay

STC Pay is Saudi Arabia's leading digital wallet that allows users to manage their finances, make payments, and transfer money securely. Amazon Payment Services fully supports STC Pay across multiple integration methods, providing a seamless payment experience for customers in Saudi Arabia.

STC Pay is available for customers using the STC Pay mobile application and supports transactions in Saudi Riyal (SAR) only.

Prerequisites

Before integrating STC Pay, ensure you have completed the following requirements:

  1. Active STC Pay Service
    STC Pay must be activated on your Amazon Payment Services account. Contact your account manager if you need activation.

  2. Integration Method
    Choose your preferred integration approach - all methods support STC Pay automatically once activated.

  3. Phone Number Validation
    STC Pay requires customer phone number validation and OTP verification process.

Integration Methods

Choose the integration method that best fits your business needs and technical requirements:

Through Hosted Checkout

Hosted Checkout provides the simplest way to accept STC Pay payments by redirecting customers to Amazon Payment Services' secure payment page.

How Hosted Checkout Works

The STC Pay hosted checkout process follows these steps:

1

Payment Initiation

Customer initiates payment on your website and is redirected to Amazon Payment Services hosted checkout page.

2

STC Pay Selection

Customer selects STC Pay as payment method on the secure checkout page (automatically displayed for SAR transactions).

3

Phone Number Entry

Customer enters their STC Pay registered phone number for verification.

4

Payment Processing

Amazon Payment Services processes the payment and redirects customer back to your website with transaction result.

STC Pay will only appear as a payment option for SAR currency transactions and requires a valid Saudi phone number for verification.

Through Custom Integration

Custom Integration allows you to build tailored STC Pay experiences with complete control over the payment form design and user experience.

  • Server-side integration with Amazon Payment Services API
  • Custom implementation of phone number collection and OTP handling
  • Two-step process: OTP generation and payment processing

How Custom Integration Works

The STC Pay custom integration process follows these steps:

1

Phone Number Collection

Your website collects the customer's STC Pay registered phone number through a custom form.

2

OTP Generation

Your server calls Amazon Payment Services API to generate an OTP for the provided phone number.

3

OTP Verification & Payment

Customer enters the OTP, and your server processes the payment using the OTP and transaction details.

4

Transaction Completion

Amazon Payment Services processes the payment and returns the transaction result to complete the flow.


For detailed API integration, refer to our STC Pay API Reference.

Through Mobile Integration

Mobile Integration provides native STC Pay support for mobile applications using the Amazon Payment Services Mobile SDK.

How Mobile Integration Works

The STC Pay mobile integration process follows these steps:

1

SDK Token Generation

Your mobile app generates an SDK token for secure communication with Amazon Payment Services.

2

Phone Number & OTP

App collects customer's phone number and generates OTP through the SDK.

3

OTP Verification

Customer enters the OTP received via SMS for verification.

4

Payment Processing

SDK processes the payment using the verified OTP and returns the transaction result.


For detailed API integration, refer to our STC Pay API Reference.

Payment Links provide a no-code solution to accept STC Pay payments by generating secure payment URLs that can be shared with customers.

How Payment Links Work

The STC Pay payment links process follows these steps:

1

Payment Link Generation

Create payment links through the merchant dashboard or API with STC Pay enabled for SAR transactions.

2

Customer Access

Customer clicks the payment link and is directed to the secure payment page.

3

STC Pay Selection

Customer selects STC Pay as payment method and enters their phone number.

4

Payment Completion

Customer completes STC Pay verification and payment is processed automatically.

STC Pay does not support Authorization command.

Check Transaction Status

To check the transaction status, refer to the Check Transaction Status section.

Handling the Response

If you have a webhook configured, check the Webhooks section to understand how we send transaction responses to your system.

Go-live

Make sure to visit our go-live checklist to go live with your integration.

You can visualize STC Pay experience by checking our prototype.

Support

Need assistance with STC Pay implementation? Contact our technical support team at merchantsupport-ps@amazon.com.

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