Mada Payment Gateway Integration with Odoo
Accept Mada debit cards across your Odoo Website, eCommerce, and POS — the Saudi national payment scheme that every locally-issued debit card carries. iWesabe wires Mada into Odoo Payment Provider with 3-D Secure 2 authentication, SAR settlement, and ZATCA-aligned invoicing in Odoo Accounting.
Key Highlights
Core Features
- Native Mada Card Acceptance
- Apple Pay & Mada Pay on Mobile
- 3-D Secure 2 Authentication
- ZATCA-Aligned Invoice Trigger
The Saudi Debit Scheme — Built into Your Odoo Checkout
Mada is the national payment scheme of the Kingdom of Saudi Arabia, operated by Saudi Payments Company under the supervision of the Saudi Central Bank (SAMA). Every debit card issued by a Saudi bank carries the Mada mark, which means accepting Mada is not optional for any merchant serving local customers — it is the default rail for domestic debit-card commerce, ATM withdrawals, and contactless mobile payments. For online merchants the SAMA regulations require Mada e-commerce transactions to be authenticated through 3-D Secure 2, ensuring strong customer authentication on every checkout.
Integrating Mada with Odoo means a Saudi shopper can choose a local payment method on the same checkout page as Visa or Mastercard, complete authentication through their bank's app or SMS one-time password, and have the order confirmed inside Odoo without leaving your store. iWesabe wires Mada acceptance through the Odoo Payment Provider module, connected to a SAMA-licensed acquiring partner that routes Mada transactions on the domestic network. Once paid, the order flows directly into Odoo Sales and Odoo Accounting — a ZATCA-aligned tax invoice is generated automatically, the stock move is created in Odoo Inventory, and the settlement is reconciled against the merchant's bank statement in Odoo Accounting.
For physical retail and food service, Mada is the dominant rail at the point of sale: more than 1.7 million POS terminals across Saudi Arabia accept Mada, and contactless Mada payments via Apple Pay and Mada Pay handle the bulk of in-store low-value transactions. Odoo POS connects to a Mada-certified card reader so that an in-store sale, an online order, and a refund all post to the same Odoo customer ledger. There is no separate reconciliation file to import, no monthly spreadsheet, no manual matching of bank statements to POS reports.
A Riyadh-based home-goods retailer running both an Odoo eCommerce store and four physical branches reported that Mada cards account for more than 70 percent of online orders and over 85 percent of in-store sales — a typical mix for any KSA consumer-facing business. After iWesabe enabled Mada inside Odoo Payment Provider, the retailer eliminated a daily two-hour reconciliation task, because settlement entries now post automatically to the correct Odoo Accounting journal with the corresponding Sales order reference attached.
What the Mada Connector Brings to Your Odoo Store
Native Mada Card Acceptance
Customers see Mada as a first-class payment option on the Odoo checkout — not buried under a generic 'card' button. The Odoo Payment Provider module routes the transaction to a SAMA-licensed acquirer on the domestic Mada network, where interchange and routing cost are materially lower than international card schemes for KSA-issued debit cards.
Apple Pay & Mada Pay on Mobile
Tokenised Mada cards inside Apple Wallet and Mada Pay work directly in Odoo Website and Odoo eCommerce checkouts on iPhone, iPad, and Mac Safari. The shopper authenticates with Face ID or Touch ID — no card number entry, no separate 3-D Secure step — and the order confirms in Odoo within seconds.
3-D Secure 2 Authentication
Every Mada e-commerce transaction is authenticated through 3-D Secure 2 as required by SAMA. The customer is redirected to their issuing bank's authentication page or app, completes the challenge, and is returned to the Odoo order confirmation page — chargeback liability shifts to the issuer for authenticated transactions.
ZATCA-Aligned Invoice Trigger
A successful Mada payment confirms the Odoo Sales order and triggers the ZATCA-aligned tax invoice in Odoo Accounting in the same database transaction. Phase-2 e-invoice clearance for B2B and reporting for B2C run through the existing Odoo Accounting integration — no separate billing system, no duplicate entry.
Refunds & Reversals from Odoo
Full or partial refunds are initiated from the Odoo Sales order or the Odoo POS session. The refund posts to the original Mada card through the acquirer, an Odoo Accounting credit note is created automatically with the ZATCA reference, and the customer's bank statement reflects the reversal on the next settlement cycle.
Settlement Reconciliation in Odoo Accounting
Daily Mada settlements are matched against Odoo Sales orders using the acquirer's reference field. The Odoo bank statement reconciliation tool pairs each settlement line with the corresponding Sales orders automatically, leaving only true exceptions for the finance team to review.
Mada — The Compliance Reality for Every KSA Merchant
- Saudi national payment scheme operated by Saudi Payments under the Saudi Central Bank (SAMA) — supplying Mada acceptance is the default expectation for any merchant serving Saudi customers
- Apple Pay, Mada Pay, and Samsung Pay tokens — contactless mobile Mada payments run through the same Odoo Payment Provider configuration with no extra integration
- ZATCA Phase-2 e-invoicing — successful Mada transactions trigger compliant tax invoices in Odoo Accounting in real time, with B2B clearance and B2C reporting handled in-platform
- SAR settlement directly into the merchant's KSA bank account — Odoo Accounting reconciles the daily Mada settlement file against the originating Sales orders automatically
- 3-D Secure 2 strong customer authentication on every e-commerce transaction — SAMA-mandated and built into the Odoo checkout flow without merchant-side configuration
Supported Markets
Saudi Arabia
SAR • ZATCA compliant
United Arab Emirates
AED
Bahrain
BHD
+ Kuwait, Oman, Qatar & more
Why KSA Businesses Make Mada Their Primary Online Rail
Reach every Saudi shopper
More than 47 million active Mada cards are in circulation across Saudi Arabia — the largest single payment audience in the kingdom. Enabling Mada inside Odoo is the single highest-impact step you can take to grow online conversion from KSA customers.
Lower domestic processing cost
Mada transactions route on the local Saudi network rather than international card schemes. Acquiring fees for KSA-issued debit cards are materially lower than for cross-border Visa or Mastercard processing — savings that compound on every transaction.
Higher checkout conversion
Saudi shoppers trust Mada as the local rail — checkout completion rates for Mada-enabled stores consistently outperform stores that accept only international cards. Apple Pay on Mada removes friction further, turning a card-entry form into a single Face ID confirmation.
Compliance built-in, not bolted-on
3-D Secure 2 authentication, SAMA regulatory alignment, and ZATCA invoice generation are all configured once inside the Odoo Payment Provider — they apply automatically to every Mada transaction with no per-order manual review.
Unified online + POS ledger
When the same Mada acquirer powers your Odoo Website and your Odoo POS terminals, every customer purchase — online or in-store — posts to the same Odoo Accounting journal with the same reconciliation logic.
Refund and chargeback control
Refunds initiated inside Odoo post-back to the original Mada card; chargebacks raised by the issuing bank surface as exception items in Odoo Accounting where finance can attach documentation and respond through the acquirer.
Mada Integration Steps with iWesabe
Select a SAMA-licensed acquirer — iWesabe partners with Saudi acquiring banks and licensed payment service providers that route Mada on the domestic network with Odoo-ready API access
Configure Odoo Payment Provider — install and configure the Mada-enabled provider in Odoo, enter merchant credentials, and define the SAR currency and Saudi Arabia country mapping
Run sandbox transactions — issue test Mada authorisations, 3-D Secure 2 challenges, captures, and refunds against the acquirer's UAT environment with end-to-end reconciliation in Odoo Accounting
Go live with monitoring — switch the provider to production, configure the webhook URL for real-time settlement events, and enable iWesabe's first-week monitoring service to catch any acquirer-side anomalies
Saudi Industries That Cannot Skip Mada
Why iWesabe Is the Right Mada-on-Odoo Partner
Years Experience
Since 2012
Odoo Gold Partner
Certified by Odoo SA
Implementations
Across KSA & GCC
Delivery Locations
KSA · UAE · Bahrain · India
- Odoo Gold Partner with hands-on experience wiring Mada acquirers into Odoo Payment Provider for KSA merchants of every size
- Direct relationships with multiple SAMA-licensed acquiring partners, so iWesabe selects the right partner for your transaction volume, settlement requirements, and existing banking relationship
- End-to-end accounting alignment — Mada settlement, ZATCA invoicing, and Odoo Accounting reconciliation configured as one workflow, not three disconnected projects
- Bilingual support: Arabic and English help-desk coverage for both the merchant operations team and the finance team
iWesabe has rolled Mada into Odoo for retailers, restaurants, clinics, schools, and travel agencies across Saudi Arabia. Every integration is delivered with a 30-day post-launch review covering settlement reconciliation, refund flows, and any chargeback handling — so finance signs off on the workflow before iWesabe steps back.
Mada-on-Odoo Questions from Saudi Merchants
Mada is the national payment scheme of Saudi Arabia, operated by Saudi Payments Company under the supervision of the Saudi Central Bank (SAMA). Every debit card issued by a Saudi bank carries the Mada mark, which makes it the default payment rail for KSA shoppers. While accepting Mada is not strictly mandatory for online merchants, refusing it cuts you off from the largest payment audience in the kingdom — most KSA consumer-facing businesses see 60–85 percent of card payments come through Mada.
The Mada integration is wired through the Odoo Payment Provider module, which surfaces it on Odoo Website, Odoo eCommerce, Odoo POS, and Odoo Subscriptions checkouts. Once a payment confirms, the linked Odoo Sales order, Odoo Inventory stock move, and Odoo Accounting invoice all update in real time. Settlement reconciliation runs inside Odoo Accounting using the bank statement import feature.
Yes. Apple Pay on iOS, iPadOS, and Safari supports tokenised Mada cards, and Mada Pay (the official Mada wallet) supports NFC contactless payments. Both wallets present Mada as the funding instrument and run on the same Odoo Payment Provider configuration — no separate plugin or extra acquirer contract is needed. Customers complete the transaction with Face ID, Touch ID, or device PIN rather than entering a 16-digit card number.
A successful Mada payment confirms the Odoo Sales order, which immediately triggers a ZATCA-aligned tax invoice in Odoo Accounting. For B2B transactions, the invoice goes through ZATCA Phase-2 clearance before being delivered to the buyer. For B2C transactions, the simplified e-invoice is generated, the QR code is included on the receipt, and the invoice is reported to ZATCA on the regulated cycle. No double entry, no separate ZATCA portal upload.
Mada settlement is in Saudi Riyal (SAR), credited to the merchant's KSA bank account. Settlement timing depends on the acquirer and the merchant's contract — most SAMA-licensed acquirers settle Mada transactions on a T+1 to T+3 cycle for online merchants. iWesabe configures Odoo Accounting to reconcile the daily settlement file against the original Sales orders automatically.
Yes. Full or partial refunds are initiated from the Odoo Sales order, the Odoo POS session, or directly against an Odoo Accounting credit note. The refund posts to the original Mada card through the acquirer and surfaces in the customer's bank statement on the next settlement cycle. Chargebacks raised by the issuing bank appear as exception items in Odoo Accounting, where the finance team can attach evidence and respond through the acquirer's dispute portal.
The SAMA-licensed acquirer is the regulated entity that processes Mada transactions and settles SAR funds to your bank account. iWesabe is the Odoo Gold Partner that wires the acquirer's API into the Odoo Payment Provider module, configures the ZATCA invoice trigger, sets up the daily reconciliation against Odoo Accounting, and trains your operations and finance teams. iWesabe does not hold a SAMA payment licence — the regulated processing always sits with a licensed acquirer.
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ExploreReady to Add Mada to Your Odoo Store?
Talk to iWesabe about wiring Mada into your Odoo Website, eCommerce, and POS — with ZATCA e-invoicing and full Odoo Accounting reconciliation from day one.
