Simple & Transparent

How KadiPay works

Whether you're a driver splitting a repair bill or a workshop generating payment links — the process is seamless, paperless, and instant.

🚗 For Drivers
🔧 For Workshops
1

Visit a partner

Walk into any of our 500+ partner workshops across Saudi Arabia. Look for the KadiPay badge.

2

Get your quote

Your service advisor quotes the repair as normal. They'll offer KadiPay as a payment option.

3

Tap the SMS link

You'll receive a secure payment link via SMS. Tap it to start your application — no app download needed.

4

Quick ID check

Verify your identity with your National ID or Iqama. Our system checks eligibility in under 60 seconds.

5

Choose your plan

Select 2, 3, or 4 monthly installments. The total is always the workshop quote — 0% interest.

6

Drive away

Your workshop is paid in full immediately. You repay KadiPay on a flexible monthly schedule.

1

Log in to dashboard

Access your KadiPay merchant portal on desktop or mobile. Create a payment link in seconds.

2

Enter the quote

Add the repair items, total amount, and send the link to your customer via SMS or WhatsApp.

3

Customer approves

Your customer completes the application on their phone. You'll see real-time status in your dashboard.

4

Get paid in full

Once approved, KadiPay settles the full invoice amount to your account. Zero collection risk.

5

Reconcile daily

Download clean settlement reports for your finance team. Every transaction is clearly itemized.

6

Grow your revenue

Watch your AOV increase as customers approve the full VHC instead of deferring expensive work.

Frequently asked questions

Is KadiPay really 0% interest?

Yes, always. KadiPay is a Sharia-aligned platform regulated by SAMA. The amount you pay back is exactly the amount on your workshop invoice — nothing more.

What do I need to apply?

You need a valid Saudi National ID or Iqama, a Saudi mobile number, and to be at least 18 years old. The check takes under 60 seconds.

What happens if I miss a payment?

Contact us immediately. We offer hardship support and flexible rescheduling.

Does applying affect my credit score?

A soft check is performed during application which does not affect your SIMAH score. Only confirmed, active plans are reported.

How does the workshop get paid?

KadiPay settles the full invoice amount to the workshop account within 24 hours of customer approval. The workshop carries zero credit risk.

Ready to split your next repair bill?

Find a KadiPay partner workshop near you.