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Payment methods in Saudi Arabia

Here are the top takeaways you need to know about the Saudi Arabian e-commerce market:

  • In Saudi Arabia, online shoppers use something other than a card — cash or digital payment methods — in almost 60% of transactions.
  • Saudis spend almost US$7 billion a year buying goods from e-commerce merchants in other countries.
  • In 2023, the Saudi Arabian e-commerce market was worth US$10 billion. By 2027, it will be worth US$17 billion.
  • Saudi Arabian shoppers complete just over 40% of all their online purchases using a smartphone or a tablet.
  • The average Saudi online shopper spends US$286 a year with e-commerce merchants, rising to US$434 by 2027.
Online Population
B2C E-commerce
Banked Population
Credit Card Population
E-commerce of Total Retail

Payment Method Breakdown

  • Card 42%
  • Cash 10%
  • Bank Transfer 16%
  • E-Wallet 22%
  • Other 10%
[{"label":"Card","value":"42"},{"label":"Cash","value":"10"},{"label":"Bank Transfer","value":"16"},{"label":"E-Wallet","value":"22"},{"label":"Other","value":"10"}]

Card Scheme Breakdown

  • Visa 4%
  • Mastercard 3%
  • American Express 0%
  • Local schemes 93%
  • Other 0%
[{"label":"Visa","value":"4"},{"label":"Mastercard","value":"3"},{"label":"American Express","value":"0"},{"label":"Local schemes","value":"93"},{"label":"Other","value":"0"}]

Cross-Border E-Commerce


Online shoppers who have shopped cross-border


Cross-border proportion of total e-commerce

6.7 bn $US

Value of cross-border e-commerce

Top cross-border shopping origin markets