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OCTA + STC Pay integration — Collect via Saudi Arabia's Leading Digital Wallet

Category: Payment Gateway

Accept invoice payments via STC Pay, Saudi Arabia's most widely used digital wallet with over 10 million registered users, directly through OCTA's collection reminder workflow. STC Pay is operated by the Saudi Telecom Company and licensed by SAMA, making it one of the most trusted and regulated digital payment methods available to consumers and businesses in the Kingdom. When OCTA sends a payment reminder via email, SMS, or WhatsApp, the included STC Pay payment link allows Saudi customers to pay from their wallet balance in seconds without needing a bank card or internet banking credentials. Payment confirmations flow back to OCTA in real time, automatically reconciling the invoice and updating your AR dashboard so your finance team always has an accurate picture of what has been collected.

What the STC Pay integration does

  • STC Pay Wallet Payment Acceptance: OCTA generates STC Pay payment links for every invoice in your collection queue, allowing customers to pay directly from their STC Pay wallet balance without entering card details or logging into internet banking. STC Pay's wallet is pre-funded by millions of Saudi consumers through bank top-ups and salary deposits, making it a reliable payment source for both B2C invoice collection and B2B payments from small business owners.
  • QR Code Payment for In-person and Hybrid Scenarios: OCTA can generate STC Pay QR codes for invoices, allowing customers to scan and pay using their STC Pay mobile app — a payment method that works for in-person collections at offices or retail locations as well as for printed statement inserts and face-to-face customer interactions. QR code payments confirm instantly and reconcile to the OCTA invoice automatically without any manual matching step.
  • Recurring and Scheduled Bill Payments: For subscription services, retainer arrangements, or businesses with regular monthly billing, OCTA can configure STC Pay recurring payment instructions that allow customers to authorise automatic monthly debits from their wallet — eliminating the friction of paying each invoice individually. Customers receive a wallet notification for each debit, maintaining transparency while removing the manual payment step.
  • Instant Settlement to Saudi Accounts: Payments received via STC Pay settle rapidly to your registered Saudi bank account, with clearing times that are among the fastest in the Saudi payment ecosystem. OCTA tracks STC Pay settlement status and updates invoice records once funds are confirmed in your account, giving your treasury team accurate day-by-day cash position information rather than estimates based on expected payment dates.

Benefits

  • Reach Saudi Arabia's 10+ million STC Pay wallet holders directly
  • SAMA-licensed wallet — trusted by Saudi consumers and businesses alike
  • Instant payment from wallet balance — no card or internet banking needed
  • Mobile-first experience matches how Saudi customers pay in daily life
  • QR code support for in-person and printed invoice collection scenarios
  • Real-time confirmation updates OCTA AR dashboard without manual reconciliation