{"id":7850,"date":"2026-08-27T17:28:30","date_gmt":"2026-08-27T11:58:30","guid":{"rendered":"https:\/\/www.creolestudios.com\/ksa\/top-9-payment-gateway-providers-in-saudi-arabia\/"},"modified":"2026-08-27T17:36:10","modified_gmt":"2026-08-27T12:06:10","slug":"top-payment-gateways-in-saudi-arabia","status":"publish","type":"post","link":"https:\/\/www.creolestudios.com\/ksa\/ar\/top-payment-gateways-in-saudi-arabia\/","title":{"rendered":"\u0623\u0641\u0636\u0644 9 \u0645\u0632\u0648\u062f\u064a \u0628\u0648\u0627\u0628\u0627\u062a \u062f\u0641\u0639 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629: \u0627\u0644\u062f\u0644\u064a\u0644 \u0627\u0644\u0634\u0627\u0645\u0644"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>\u0645\u0648\u062c\u0632 \u0633\u0631\u064a\u0639 (TL;DR)<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0637\u0641\u0631\u0629 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629:<\/strong> \u0628\u0641\u0636\u0644 \u0645\u0633\u062a\u0647\u062f\u0641\u0627\u062a \u0631\u0624\u064a\u0629 2030 \u0648\u062a\u0648\u062c\u064a\u0647\u0627\u062a \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a (\u0633\u0627\u0645\u0627)\u060c \u062a\u0645\u062b\u0644 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0623\u0643\u062b\u0631 \u0645\u0646 70% \u0645\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062a\u062c\u0632\u0626\u0629 \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629.<\/li>\n\n\n\n<li><strong>\u0637\u0631\u0642 \u062f\u0641\u0639 \u0644\u0627 \u063a\u0646\u0649 \u0639\u0646\u0647\u0627:<\/strong> \u064a\u064f\u0639\u062f \u062f\u0639\u0645 \u0634\u0628\u0643\u0629 <strong>\u0645\u062f\u0649 (Mada)<\/strong> \u0648 <strong>Apple Pay<\/strong> \u0623\u0645\u0631\u0627\u064b \u0625\u0644\u0632\u0627\u0645\u064a\u0627\u064b \u0644\u062a\u062d\u0642\u064a\u0642 \u0623\u0639\u0644\u0649 \u0645\u0639\u062f\u0644\u0627\u062a \u0625\u062a\u0645\u0627\u0645 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a (Authorization Rates)\u060c \u0625\u0644\u0649 \u062c\u0627\u0646\u0628 \u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b (BNPL) \u0645\u062b\u0644 \u062a\u0645\u0627\u0631\u0627 \u0648\u062a\u0627\u0628\u064a.<\/li>\n\n\n\n<li><strong>\u0623\u0628\u0631\u0632 \u0628\u0648\u0627\u0628\u0627\u062a \u0627\u0644\u062f\u0641\u0639:<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>\u0647\u0627\u064a\u0628\u0631 \u0628\u0627\u064a (HyperPay) \u0648\u0628\u064a \u062a\u0627\u0628\u0633 (PayTabs):<\/strong> \u0627\u0644\u062e\u064a\u0627\u0631 \u0627\u0644\u0623\u0645\u062b\u0644 \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0648\u0627\u0644\u0643\u0628\u0631\u0649 \u0627\u0644\u062a\u064a \u062a\u062a\u0637\u0644\u0628 \u062a\u0648\u0633\u0639\u0627\u064b \u0625\u0642\u0644\u064a\u0645\u064a\u0627\u064b \u0648\u062f\u0639\u0645\u0627\u064b \u0644\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u062a\u0639\u062f\u062f\u0629.<\/li>\n\n\n\n<li><strong>\u0645\u064a\u0633\u0631 (Moyasar) \u0648\u062a\u0627\u0628 \u0628\u064a\u0645\u0646\u062a\u0633 (Tap Payments):<\/strong> \u062d\u0644\u0648\u0644 \u0645\u0648\u062c\u0647\u0629 \u0644\u0644\u0645\u0637\u0648\u0631\u064a\u0646 \u062a\u062a\u0645\u064a\u0632 \u0628\u0634\u0641\u0627\u0641\u064a\u0629 \u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0648\u0633\u0631\u0639\u0629 \u0627\u0644\u062a\u0641\u0639\u064a\u0644 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(MyFatoorah)\u060c \u0648\u062a\u064a\u0644\u0631 (Telr):<\/strong> \u0627\u0644\u0623\u0641\u0636\u0644 \u0644\u0631\u0628\u0637 \u0646\u0642\u0627\u0637 \u0627\u0644\u0628\u064a\u0639 (POS) \u0641\u064a \u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u0648\u0627\u0642\u0639\u064a\u0629 \u0628\u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u060c \u0648\u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631 \u0627\u0644\u0633\u0631\u064a\u0639\u0629\u060c \u0648\u062d\u0644\u0648\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0645\u0631\u0646\u0629.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0645\u0642\u062f\u0645\u0629<\/strong><\/h2>\n\n\n\n<p>\u062a\u0634\u0647\u062f \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 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\u0627\u0644\u0623\u0648\u0644.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. \u0645\u0627 \u0647\u064a \u0628\u0648\u0627\u0628\u0629 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u061f<\/strong><\/h2>\n\n\n\n<p><strong>\u0628\u0648\u0627\u0628\u0629 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a (Payment Gateway)<\/strong> \u0647\u064a \u0628\u0646\u064a\u0629 \u062a\u062d\u062a\u064a\u0629 \u0631\u0642\u0645\u064a\u0629 \u0622\u0645\u0646\u0629 \u062a\u0631\u0628\u0637 \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0623\u0648 \u0627\u0644\u0645\u062a\u062c\u0631 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0627\u0644\u062e\u0627\u0635 \u0628\u0627\u0644\u062a\u0627\u062c\u0631 \u0628\u0627\u0644\u0634\u0628\u0643\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c 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\u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a:<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u0628\u062f\u0621 \u0627\u0644\u0639\u0645\u0644\u064a\u0629:<\/strong> \u064a\u062e\u062a\u0627\u0631 \u0627\u0644\u0639\u0645\u064a\u0644 \u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u0641\u0636\u0644\u0629 \u0644\u062f\u064a\u0647 \u0639\u0646\u062f \u0635\u0641\u062d\u0629 \u0625\u062a\u0645\u0627\u0645 \u0627\u0644\u0637\u0644\u0628 (\u0645\u062b\u0644 \u0628\u0637\u0627\u0642\u0629 \u0645\u062f\u0649\u060c \u0623\u0648 Apple Pay\u060c \u0623\u0648 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629).<\/li>\n\n\n\n<li><strong>\u0627\u0644\u062a\u0634\u0641\u064a\u0631 \u0648\u0627\u0644\u0623\u0645\u0627\u0646:<\/strong> \u062a\u0642\u0648\u0645 \u0627\u0644\u0628\u0648\u0627\u0628\u0629 \u0628\u062a\u0631\u0645\u064a\u0632 (Tokenization) \u0648\u062a\u0634\u0641\u064a\u0631 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062d\u0633\u0627\u0633\u0629 \u0648\u0641\u0642\u0627\u064b \u0644\u0623\u0639\u0644\u0649 \u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u0623\u0645\u0627\u0646 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 <strong>PCI-DSS Level 1<\/strong>.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u062a\u062d\u0642\u0642 \u0648\u0627\u0644\u062a\u0648\u062c\u064a\u0647:<\/strong> \u062a\u064f\u0631\u0633\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0634\u0641\u0631\u0629 \u0625\u0644\u0649 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0633\u062a\u062d\u0648\u0630 \u0648\u0634\u0628\u0643\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u062d\u0644\u064a\u0629\u060c \u0644\u062a\u0641\u0639\u064a\u0644 \u0622\u0644\u064a\u0627\u062a \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u062b\u0644 \u0646\u0638\u0627\u0645 \u0627\u0644\u0623\u0645\u0627\u0646 \u062b\u0644\u0627\u062b\u064a \u0627\u0644\u0623\u0628\u0639\u0627\u062f (3D Secure) \u0648\u0631\u0645\u0632 \u0627\u0644\u062a\u062d\u0642\u0642 \u0644\u0645\u0631\u0629 \u0648\u0627\u062d\u062f\u0629 (OTP).<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0629:<\/strong> \u0628\u0645\u062c\u0631\u062f \u062a\u0623\u0643\u064a\u062f \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0635\u062f\u0631 \u0644\u062a\u0648\u0641\u0631 \u0627\u0644\u0631\u0635\u064a\u062f\u060c \u064a\u062a\u0645 \u0625\u0631\u0633\u0627\u0644 \u0625\u0634\u0639\u0627\u0631 \u0641\u0648\u0631\u064a \u0628\u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629\u060c \u0644\u064a\u062a\u0645 \u062a\u0623\u0643\u064a\u062f \u0627\u0644\u0637\u0644\u0628 \u0648\u062c\u062f\u0648\u0644\u0629 \u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0625\u0644\u0649 \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u0628\u0646\u0643\u064a \u0627\u0644\u0645\u062d\u0644\u064a \u0644\u0644\u062a\u0627\u062c\u0631.<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. \u0623\u0641\u0636\u0644 9 \u0645\u0632\u0648\u062f\u064a \u0628\u0648\u0627\u0628\u0627\u062a \u062f\u0641\u0639 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629<\/strong><\/h2>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. \u0647\u0627\u064a\u0628\u0631 \u0628\u0627\u064a (HyperPay)<\/strong><\/h3>\n\n\n\n<p>\u062a\u064f\u0639\u062f <strong>\u0647\u0627\u064a\u0628\u0631 \u0628\u0627\u064a<\/strong> \u0625\u062d\u062f\u0649 \u0628\u0648\u0627\u0628\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0631\u0627\u0626\u062f\u0629 \u0648\u0627\u0644\u0623\u0643\u062b\u0631 \u0627\u0646\u062a\u0634\u0627\u0631\u0627\u064b \u0641\u064a \u0645\u0646\u0637\u0642\u0629 \u0627\u0644\u0634\u0631\u0642 \u0627\u0644\u0623\u0648\u0633\u0637 \u0648\u0634\u0645\u0627\u0644 \u0623\u0641\u0631\u064a\u0642\u064a\u0627\u060c \u0648\u0645\u0642\u0631\u0647\u0627 \u0627\u0644\u0625\u0642\u0644\u064a\u0645\u064a \u0641\u064a \u0627\u0644\u0631\u064a\u0627\u0636. \u0627\u0644\u0628\u0648\u0627\u0628\u0629 \u0645\u0631\u062e\u0635\u0629 \u0648\u0645\u0646\u0638\u0645\u0629 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a (\u0633\u0627\u0645\u0627)\u060c \u0648\u062a\u0639\u0627\u0644\u062c \u0645\u0644\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0631\u064a\u0627\u0644\u0627\u062a \u0633\u0646\u0648\u064a\u0627\u064b \u0644\u0643\u0628\u0631\u0649 \u0627\u0644\u0634\u0631\u0643\u0627\u062a\u060c \u0648\u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629\u060c \u0648\u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0627\u0644\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629:<\/strong> \u062a\u0648\u062c\u064a\u0647 \u0630\u0643\u064a \u0644\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0644\u0631\u0641\u0639 \u0645\u0639\u062f\u0644\u0627\u062a \u0627\u0644\u0646\u062c\u0627\u062d \u0639\u0628\u0631 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u060c \u0625\u062f\u0627\u0631\u0629 \u0645\u062a\u0642\u062f\u0645\u0629 \u0644\u0645\u0646\u0639 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644\u060c \u062f\u0639\u0645 \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631 \u0627\u0644\u0645\u062a\u0643\u0631\u0631\u0629 \u0648\u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643\u0627\u062a\u060c \u0648\u0648\u0627\u062c\u0647\u0627\u062a \u062f\u0641\u0639 \u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u062a\u062e\u0635\u064a\u0635 \u0628\u0627\u0644\u0643\u0627\u0645\u0644.<\/li>\n\n\n\n<li><strong>\u0637\u0631\u0642 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u062f\u0639\u0648\u0645\u0629:<\/strong> \u0645\u062f\u0649 (Mada)\u060c Apple Pay\u060c \u0641\u064a\u0632\u0627\u060c \u0645\u0627\u0633\u062a\u0631\u0643\u0627\u0631\u062f\u060c \u0623\u0645\u0631\u064a\u0643\u0627\u0646 \u0625\u0643\u0633\u0628\u0631\u064a\u0633\u060c STC Pay\u060c \u062a\u0645\u0627\u0631\u0627\u060c \u062a\u0627\u0628\u064a\u060c \u0648\u0633\u062f\u0627\u062f.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0623\u0646\u0633\u0628 \u0644\u0640:<\/strong> \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0648\u0627\u0644\u0643\u0628\u0631\u0649\u060c \u0627\u0644\u0645\u0646\u0635\u0627\u062a \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629\u060c \u0648\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0630\u0627\u062a \u0627\u0644\u062d\u062c\u0645 \u0627\u0644\u0645\u0631\u062a\u0641\u0639 \u0645\u0646 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0648\u0627\u0644\u0631\u0633\u0648\u0645:<\/strong> \u062e\u0637\u0637 \u0645\u062e\u0635\u0635\u0629 \u062d\u0633\u0628 \u062d\u062c\u0645 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a\u061b \u062a\u062a\u0631\u0627\u0648\u062d \u0631\u0633\u0648\u0645 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0639\u0627\u062f\u0629 \u0628\u064a\u0646 <strong>1.65% \u0625\u0644\u0649 2.2% + 1.00 \u0631\u064a\u0627\u0644 \u0633\u0639\u0648\u062f\u064a<\/strong>\u060c \u0645\u0639 \u0623\u0633\u0639\u0627\u0631 \u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0645\u062f\u0649.<\/li>\n\n\n\n<li><strong>\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u0643\u0627\u0645\u0644:<\/strong> \u0625\u0636\u0627\u0641\u0627\u062a \u062c\u0627\u0647\u0632\u0629 \u0644\u0645\u0646\u0635\u0627\u062a (Shopify, WooCommerce, Magento, OpenCart)\u060c \u0648\u062d\u0632\u0645 \u062a\u0637\u0648\u064a\u0631 \u0628\u0631\u0645\u062c\u064a\u0629 (SDKs) \u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a iOS \u0648 Android.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. \u0645\u064a\u0633\u0631 (Moyasar)<\/strong><\/h3>\n\n\n\n<p><strong>\u0645\u064a\u0633\u0631<\/strong> \u0647\u064a \u0634\u0631\u0643\u0629 \u062a\u0642\u0646\u064a\u0629 \u0645\u0627\u0644\u064a\u0629 \u0633\u0639\u0648\u062f\u064a\u0629 \u0631\u0627\u0626\u062f\u0629\u060c \u0635\u064f\u0645\u0645\u062a \u0628\u0646\u064a\u062a\u0647\u0627 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0628\u0646\u0647\u062c \u064a\u0631\u0643\u0632 \u0639\u0644\u0649 \u0627\u0644\u0645\u0637\u0648\u0631\u064a\u0646 \u0648\u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629 \u0627\u0644\u062a\u0627\u0645\u0629 \u0641\u064a \u0627\u0644\u062a\u0633\u0639\u064a\u0631\u060c \u0645\u0639 \u0633\u0631\u0639\u0629 \u0641\u0627\u0626\u0642\u0629 \u0641\u064a \u062a\u0648\u062b\u064a\u0642 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0648\u0627\u0644\u0631\u0628\u0637 \u0627\u0644\u062a\u0642\u0646\u064a.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0627\u0644\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629:<\/strong> \u0644\u0648\u062d\u0629 \u062a\u062d\u0643\u0645 \u0639\u0635\u0631\u064a\u0629 \u0648\u0633\u0647\u0644\u0629 \u0645\u0639 \u062a\u0642\u0627\u0631\u064a\u0631 \u062d\u064a\u0629\u060c \u0646\u0645\u0648\u0630\u062c \u062f\u0641\u0639 \u062e\u0641\u064a\u0641 \u0648\u0633\u0644\u0633 (Moyasar Form)\u060c \u062a\u0631\u0645\u064a\u0632 \u0622\u0645\u0646 \u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0644\u062a\u0645\u0643\u064a\u0646 \u0627\u0644\u0634\u0631\u0627\u0621 \u0628\u0646\u0642\u0631\u0629 \u0648\u0627\u062d\u062f\u0629\u060c \u0648\u062f\u0639\u0645 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u062f\u0648\u0631\u064a\u0629.<\/li>\n\n\n\n<li><strong>\u0637\u0631\u0642 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u062f\u0639\u0648\u0645\u0629:<\/strong> \u0645\u062f\u0649\u060c Apple Pay\u060c \u0641\u064a\u0632\u0627\u060c \u0645\u0627\u0633\u062a\u0631\u0643\u0627\u0631\u062f\u060c \u0648 STC Pay.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0623\u0646\u0633\u0628 \u0644\u0640:<\/strong> \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629\u060c \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629\u060c \u0648\u0645\u0646\u0635\u0627\u062a \u0627\u0644\u0628\u0631\u0645\u062c\u064a\u0627\u062a \u0643\u062e\u062f\u0645\u0629 (SaaS) \u0627\u0644\u062a\u064a \u062a\u062a\u0637\u0644\u0628 \u0631\u0628\u0637\u0627\u064b \u0628\u0631\u0645\u062c\u064a\u0627\u064b \u0633\u0631\u064a\u0639\u0627\u064b \u0648\u062a\u0633\u0639\u064a\u0631\u0627\u064b \u0648\u0627\u0636\u062d\u0627\u064b.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0648\u0627\u0644\u0631\u0633\u0648\u0645:<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>\u0645\u062f\u0649:<\/strong> 1.0% + 1.00 \u0631\u064a\u0627\u0644 \u0633\u0639\u0648\u062f\u064a \u0644\u0643\u0644 \u0645\u0639\u0627\u0645\u0644\u0629.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629:<\/strong> 2.2% + 1.00 \u0631\u064a\u0627\u0644 \u0633\u0639\u0648\u062f\u064a \u0644\u0643\u0644 \u0645\u0639\u0627\u0645\u0644\u0629.<\/li>\n\n\n\n<li><strong>\u0631\u0633\u0648\u0645 \u0627\u0644\u0625\u0639\u062f\u0627\u062f\/\u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643 \u0627\u0644\u0634\u0647\u0631\u064a:<\/strong> 0 \u0631\u064a\u0627\u0644 (\u0628\u062f\u0648\u0646 \u0623\u064a \u0631\u0633\u0648\u0645 \u062a\u0623\u0633\u064a\u0633 \u0623\u0648 \u0631\u0633\u0648\u0645 \u0634\u0647\u0631\u064a\u0629 \u0641\u064a \u0627\u0644\u0628\u0627\u0642\u0627\u062a \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629).<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u0643\u0627\u0645\u0644:<\/strong> \u062a\u0648\u062b\u064a\u0642 \u0645\u0645\u062a\u0627\u0632 \u0644\u0640 <a href=\"https:\/\/www.creolestudios.com\/ksa\/ar\/what-is-an-application-programming-interface\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0648\u0627\u062c\u0647\u0627\u062a \u0628\u0631\u0645\u062c\u0629 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a (APIs)<\/a>\u060c \u0645\u0643\u062a\u0628\u0627\u062a \u0628\u0631\u0645\u062c\u064a\u0629 \u0631\u0633\u0645\u064a\u0629 \u0644\u0640 (Flutter, React Native, iOS, Android)\u060c \u0648\u0625\u0636\u0627\u0641\u0627\u062a \u0644\u0640 Shopify \u0648 WooCommerce.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. \u0628\u064a \u062a\u0627\u0628\u0633 (PayTabs)<\/strong><\/h3>\n\n\n\n<p>\u062a\u0623\u0633\u0633\u062a <strong>\u0628\u064a \u062a\u0627\u0628\u0633<\/strong> \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u060c \u0648\u0647\u064a \u0645\u0646\u0635\u0629 \u0645\u062a\u0643\u0627\u0645\u0644\u0629 \u0644\u0645\u0639\u0627\u0644\u062c\u0629 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0645\u062a\u0639\u062f\u062f\u0629 \u0627\u0644\u0642\u0646\u0648\u0627\u062a\u060c \u062a\u062e\u062f\u0645 \u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u0641\u0631\u062f\u064a\u0629 \u0648\u0633\u0644\u0627\u0633\u0644 \u0627\u0644\u062a\u062c\u0632\u0626\u0629 \u0627\u0644\u0643\u0628\u0631\u0649 \u0641\u064a \u062f\u0648\u0644 \u0645\u062c\u0644\u0633 \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0627\u0644\u062e\u0644\u064a\u062c\u064a.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0627\u0644\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629:<\/strong> \u0631\u0648\u0627\u0628\u0637 \u062f\u0641\u0639 \u0645\u062e\u0635\u0635\u0629 \u0644\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629 (PayPage)\u060c \u0631\u0628\u0637 \u0646\u0642\u0627\u0637 \u0627\u0644\u0628\u064a\u0639 (POS) \u0628\u0627\u0644\u0645\u062a\u062c\u0631 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0641\u064a \u0645\u0646\u0635\u0629 \u0648\u0627\u062d\u062f\u0629\u060c \u0645\u0639\u0627\u0644\u062c\u0629 \u0639\u0645\u0644\u0627\u062a \u0645\u062a\u0639\u062f\u062f\u0629\u060c \u0648\u0646\u0638\u0627\u0645 \u062d\u0645\u0627\u064a\u0629 \u0645\u0632\u062f\u0648\u062c \u0636\u062f \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644.<\/li>\n\n\n\n<li><strong>\u0637\u0631\u0642 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u062f\u0639\u0648\u0645\u0629:<\/strong> \u0645\u062f\u0649\u060c Apple Pay\u060c \u0641\u064a\u0632\u0627\u060c \u0645\u0627\u0633\u062a\u0631\u0643\u0627\u0631\u062f\u060c \u0623\u0645\u0631\u064a\u0643\u0627\u0646 \u0625\u0643\u0633\u0628\u0631\u064a\u0633\u060c \u0639\u0645\u0627\u0646 \u0646\u062a\u060c KNET\u060c STC Pay\u060c \u0648\u062a\u0627\u0628\u064a.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0623\u0646\u0633\u0628 \u0644\u0640:<\/strong> \u062a\u062c\u0627\u0631 \u0627\u0644\u062a\u062c\u0632\u0626\u0629 \u0645\u062a\u0639\u062f\u062f\u064a \u0627\u0644\u0642\u0646\u0648\u0627\u062a\u060c \u062a\u062c\u0627\u0631 \u0645\u0646\u0635\u0627\u062a \u0627\u0644\u062a\u0648\u0627\u0635\u0644 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u060c \u0648\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0627\u0644\u0625\u0642\u0644\u064a\u0645\u064a\u0629.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0648\u0627\u0644\u0631\u0633\u0648\u0645:<\/strong> \u062e\u0637\u0637 \u0634\u0647\u0631\u064a\u0629 \u062a\u0628\u062f\u0623 \u0645\u0646 <strong>150 \u0631\u064a\u0627\u0644 \u0633\u0639\u0648\u062f\u064a\/\u0634\u0647\u0631\u064a\u0627\u064b<\/strong> \u0623\u0648 \u062a\u0633\u0639\u064a\u0631 \u0645\u062e\u0635\u0635 \u062d\u0633\u0628 \u062d\u062c\u0645 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a\u060c \u0648\u062a\u062a\u0631\u0627\u0648\u062d \u0631\u0633\u0648\u0645 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0628\u064a\u0646 <strong>1.5% \u0648 2.7% + \u0631\u0633\u0648\u0645 \u062b\u0627\u0628\u062a\u0629<\/strong>.<\/li>\n\n\n\n<li><strong>\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u0643\u0627\u0645\u0644:<\/strong> \u062a\u062f\u0639\u0645 \u0623\u0643\u062b\u0631 \u0645\u0646 30 \u0645\u0646\u0635\u0629 \u062a\u062c\u0627\u0631\u0629 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629\u060c \u0648\u0648\u0627\u062c\u0647\u0627\u062a REST APIs \u0648\u062d\u0632\u0645 SDKs \u0644\u0644\u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0630\u0643\u064a\u0629.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. \u062a\u0627\u0628 \u0628\u064a\u0645\u0646\u062a\u0633 (Tap Payments)<\/strong><\/h3>\n\n\n\n<p>\u062a\u0639\u0645\u0644 <strong>\u062a\u0627\u0628 \u0628\u064a\u0645\u0646\u062a\u0633<\/strong> \u0639\u0644\u0649 \u062a\u0648\u062d\u064a\u062f \u062d\u0644\u0648\u0644 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0641\u064a \u0645\u0646\u0637\u0642\u0629 \u0627\u0644\u0634\u0631\u0642 \u0627\u0644\u0623\u0648\u0633\u0637 \u0639\u0628\u0631 \u0645\u0646\u0635\u0629 \u062a\u0643\u0627\u0645\u0644 \u0648\u0627\u062d\u062f\u0629 \u0648\u0648\u0627\u062c\u0647\u0627\u062a \u0645\u0633\u062a\u062e\u062f\u0645 \u062a\u0641\u0627\u0639\u0644\u064a\u0629 \u0648\u0633\u0631\u064a\u0639\u0629.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0627\u0644\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629:<\/strong> \u0625\u0631\u0633\u0627\u0644 \u0631\u0648\u0627\u0628\u0637 \u0627\u0644\u062f\u0641\u0639 \u0639\u0628\u0631 \u0648\u0627\u062a\u0633\u0627\u0628 \u0648\u0627\u0644\u0631\u0633\u0627\u0626\u0644 \u0627\u0644\u0646\u0635\u064a\u0629 (goCollect)\u060c \u062a\u0633\u0648\u064a\u0629 \u0645\u0627\u0644\u064a\u0629 \u0645\u0648\u062d\u062f\u0629 \u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062e\u0644\u064a\u062c \u0641\u064a \u062d\u0633\u0627\u0628 \u0628\u0646\u0643\u064a \u0648\u0627\u062d\u062f\u060c \u0648\u0648\u0627\u062c\u0647\u0629 \u062f\u0641\u0639 \u0630\u0643\u064a\u0629 \u0645\u062a\u0639\u062f\u062f\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u062a (goSell).<\/li>\n\n\n\n<li><strong>\u0637\u0631\u0642 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u062f\u0639\u0648\u0645\u0629:<\/strong> \u0645\u062f\u0649\u060c Apple Pay\u060c \u0641\u064a\u0632\u0627\u060c \u0645\u0627\u0633\u062a\u0631\u0643\u0627\u0631\u062f\u060c \u0623\u0645\u0631\u064a\u0643\u0627\u0646 \u0625\u0643\u0633\u0628\u0631\u064a\u0633\u060c STC Pay\u060c \u0628\u0646\u0641\u062a (\u0627\u0644\u0628\u062d\u0631\u064a\u0646)\u060c KNET (\u0627\u0644\u0643\u0648\u064a\u062a)\u060c \u0648\u062a\u0627\u0628\u064a.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0623\u0646\u0633\u0628 \u0644\u0640:<\/strong> \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0628\u064a\u0639 \u0639\u0628\u0631 \u062f\u0648\u0644 \u0627\u0644\u062e\u0644\u064a\u062c\u060c \u0627\u0644\u0645\u0646\u0635\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629\u060c \u0648\u0645\u0648\u0627\u0642\u0639 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0645\u062a\u0639\u062f\u062f\u0629 \u0627\u0644\u0623\u0633\u0648\u0627\u0642.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0648\u0627\u0644\u0631\u0633\u0648\u0645:<\/strong> \u062a\u0628\u062f\u0623 \u0631\u0633\u0648\u0645 \u0645\u062f\u0649 \u0645\u0646 <strong>1.0% \u0625\u0644\u0649 1.75% + 1.00 \u0631\u064a\u0627\u0644<\/strong>\u060c \u0648\u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0645\u0646 <strong>2.25% \u0625\u0644\u0649 2.65% + 1.00 \u0631\u064a\u0627\u0644<\/strong>.<\/li>\n\n\n\n<li><strong>\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u0643\u0627\u0645\u0644:<\/strong> \u0645\u0643\u062a\u0628\u0627\u062a SDK \u0645\u0648\u062d\u062f\u0629 \u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a (Flutter, React Native, iOS, Android)\u060c \u0648\u0645\u0643\u062a\u0628\u0627\u062a \u0628\u0631\u0645\u062c\u064a\u0629 \u0644\u0644\u063a\u0627\u062a (Node.js, PHP, Python).<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. \u0623\u0645\u0627\u0632\u0648\u0646 \u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 (APS)<\/strong><\/h3>\n\n\n\n<p>\u062a\u064f\u0639\u062f <strong>\u0623\u0645\u0627\u0632\u0648\u0646 \u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639<\/strong> (PayFort \u0633\u0627\u0628\u0642\u0627\u064b) \u0630\u0631\u0627\u0639 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0645\u0624\u0633\u0633\u064a\u0629 \u0627\u0644\u062a\u0627\u0628\u0639 \u0644\u0634\u0631\u0643\u0629 \u0623\u0645\u0627\u0632\u0648\u0646 \u0641\u064a \u0627\u0644\u0645\u0646\u0637\u0642\u0629\u060c \u0648\u062a\u062f\u064a\u0631 \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0644\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0637\u064a\u0631\u0627\u0646 \u0627\u0644\u0643\u0628\u0631\u0649\u060c \u0648\u0627\u0644\u0645\u0646\u0635\u0627\u062a \u0627\u0644\u062a\u0631\u0641\u064a\u0647\u064a\u0629\u060c \u0648\u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0627\u0644\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629:<\/strong> \u062c\u0627\u0647\u0632\u064a\u0629 \u0644\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0628\u0646\u0633\u0628\u0629 99.99%\u060c \u062e\u062f\u0645\u0629 \u062a\u0642\u0633\u064a\u0637 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0628\u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0645\u0639 \u0643\u0628\u0631\u0649 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u060c \u0645\u062d\u0631\u0643 \u062d\u0645\u0627\u064a\u0629 \u0645\u062a\u0637\u0648\u0631 (Amazon Protect)\u060c \u0648\u062d\u0641\u0638 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0628\u0623\u0645\u0627\u0646.<\/li>\n\n\n\n<li><strong>\u0637\u0631\u0642 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u062f\u0639\u0648\u0645\u0629:<\/strong> \u0645\u062f\u0649\u060c Apple Pay\u060c \u0641\u064a\u0632\u0627\u060c \u0645\u0627\u0633\u062a\u0631\u0643\u0627\u0631\u062f\u060c \u0623\u0645\u0631\u064a\u0643\u0627\u0646 \u0625\u0643\u0633\u0628\u0631\u064a\u0633\u060c \u0648\u062e\u0637\u0637 \u0627\u0644\u062a\u0642\u0633\u064a\u0637 \u0627\u0644\u0628\u0646\u0643\u064a\u0629 \u0627\u0644\u0645\u062d\u0644\u064a\u0629.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0623\u0646\u0633\u0628 \u0644\u0640:<\/strong> \u0627\u0644\u0645\u0646\u0635\u0627\u062a \u0630\u0627\u062a \u0623\u062d\u062c\u0627\u0645 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0643\u0628\u064a\u0631\u0629\u060c \u0645\u0646\u0635\u0627\u062a \u062d\u062c\u0632 \u0627\u0644\u0637\u064a\u0631\u0627\u0646 \u0648\u0627\u0644\u0633\u064a\u0627\u062d\u0629\u060c \u0648\u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u0636\u062e\u0645\u0629.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0648\u0627\u0644\u0631\u0633\u0648\u0645:<\/strong> \u062e\u0637\u0637 \u062a\u0633\u0639\u064a\u0631 \u0645\u062e\u0635\u0635\u0629 \u0644\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u062a\u062a\u0631\u0627\u0648\u062d \u0628\u064a\u0646 <strong>1.75% \u0648 2.4% + 1.00 \u0631\u064a\u0627\u0644 \u0633\u0639\u0648\u062f\u064a<\/strong>\u060c \u0648\u062a\u062d\u062f\u062f \u062d\u0633\u0628 \u062d\u062c\u0645 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u064a.<\/li>\n\n\n\n<li><strong>\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u0643\u0627\u0645\u0644:<\/strong> \u0648\u0627\u062c\u0647\u0627\u062a REST APIs \u0645\u062a\u0642\u062f\u0645\u0629\u060c \u0648\u0631\u0628\u0637 \u0645\u062e\u0635\u0635 \u0644\u0645\u0646\u0635\u0627\u062a (Adobe Commerce \/ Magento \u0648 SAP Commerce Cloud).<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6. \u062a\u0634\u064a\u0643 \u0623\u0648\u062a \u062f\u0648\u062a \u0643\u0648\u0645 (Checkout.com)<\/strong><\/h3>\n\n\n\n<p><strong>\u062a\u0634\u064a\u0643 \u0623\u0648\u062a \u062f\u0648\u062a \u0643\u0648\u0645<\/strong> \u0647\u064a \u0634\u0631\u0643\u0629 \u062a\u0642\u0646\u064a\u0629 \u0645\u0627\u0644\u064a\u0629 \u0639\u0627\u0644\u0645\u064a\u0629 \u062a\u0645\u062a\u0644\u0643 \u0631\u062e\u0635\u0629 \u062a\u062d\u0635\u064a\u0644 \u0645\u0628\u0627\u0634\u0631 \u0645\u0646 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a (\u0633\u0627\u0645\u0627). \u062a\u0648\u0641\u0631 \u0628\u0646\u064a\u062a\u0647\u0627 \u0627\u0644\u0633\u062d\u0627\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u0637\u0648\u0631\u0629 \u0633\u0631\u0639\u0629 \u0641\u0627\u0626\u0642\u0629 \u0641\u064a \u0645\u0639\u0627\u0644\u062c\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0648\u0645\u0639\u062f\u0644\u0627\u062a \u0642\u0628\u0648\u0644 \u0645\u0631\u062a\u0641\u0639\u0629 \u0644\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0648\u0627\u0644\u062f\u0648\u0644\u064a\u0629.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0627\u0644\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629:<\/strong> \u062a\u062d\u0635\u064a\u0644 \u0645\u062d\u0644\u064a \u0645\u0628\u0627\u0634\u0631 \u0628\u062f\u0648\u0646 \u0648\u0633\u0637\u0627\u0621\u060c \u0634\u0641\u0627\u0641\u064a\u0629 \u0643\u0627\u0645\u0644\u0629 \u0641\u064a \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a\u060c \u0627\u0633\u062a\u0639\u0627\u062f\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0631\u0641\u0648\u0636\u0629 \u0639\u0628\u0631 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a\u060c \u0648\u062f\u0639\u0645 \u0627\u0644\u062a\u0633\u0648\u064a\u0629 \u0628\u0623\u0643\u062b\u0631 \u0645\u0646 150 \u0639\u0645\u0644\u0629.<\/li>\n\n\n\n<li><strong>\u0637\u0631\u0642 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u062f\u0639\u0648\u0645\u0629:<\/strong> \u0645\u062f\u0649\u060c Apple Pay\u060c Google Pay\u060c \u0641\u064a\u0632\u0627\u060c \u0645\u0627\u0633\u062a\u0631\u0643\u0627\u0631\u062f\u060c \u0623\u0645\u0631\u064a\u0643\u0627\u0646 \u0625\u0643\u0633\u0628\u0631\u064a\u0633\u060c \u062a\u0645\u0627\u0631\u0627\u060c \u0648\u0637\u0631\u0642 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0627\u0644\u0628\u062f\u064a\u0644\u0629.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0623\u0646\u0633\u0628 \u0644\u0640:<\/strong> \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0633\u0631\u064a\u0639\u0629 \u0627\u0644\u0646\u0645\u0648\u060c \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0627\u0644\u0645\u062a\u0648\u0633\u0639\u0629 \u0641\u064a \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u060c \u0648\u0645\u0646\u0635\u0627\u062a \u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0648\u0627\u0644\u0631\u0633\u0648\u0645:<\/strong> \u0646\u0645\u0648\u0630\u062c \u062a\u0633\u0639\u064a\u0631 \u0645\u062e\u0635\u0635 (Interchange-Plus) \u0645\u0635\u0645\u0645 \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0630\u0627\u062a \u0623\u062d\u062c\u0627\u0645 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0645\u0631\u062a\u0641\u0639\u0629.<\/li>\n\n\n\n<li><strong>\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u0643\u0627\u0645\u0644:<\/strong> \u0648\u0627\u062c\u0647\u0627\u062a RESTful APIs \u062d\u062f\u064a\u062b\u0629\u060c webhooks \u0645\u0631\u0646\u0629\u060c \u0648\u062d\u0644\u0648\u0644 \u0628\u0631\u0645\u062c\u064a\u0629 \u0645\u0639\u0645\u0627\u0631\u064a\u0629 \u0644\u0645\u0646\u0638\u0648\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0635\u0635\u0629 (Composable Commerce).<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>7. \u0645\u0627\u064a \u0641\u0627\u062a\u0648\u0631\u0629 (MyFatoorah)<\/strong><\/h3>\n\n\n\n<p>\u062a\u062a\u062e\u0635\u0635 <strong>\u0645\u0627\u064a \u0641\u0627\u062a\u0648\u0631\u0629<\/strong> \u0641\u064a \u062d\u0644\u0648\u0644 \u0627\u0644\u0641\u0648\u062a\u0631\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0627\u0644\u0633\u0631\u064a\u0639\u0629\u060c \u0648\u0631\u0648\u0627\u0628\u0637 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0641\u0648\u0631\u064a\u0629\u060c \u0648\u0627\u0644\u062a\u062d\u0635\u064a\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0633\u0644\u0633 \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0648\u0645\u0632\u0648\u062f\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0648\u0627\u0644\u062e\u0644\u064a\u062c.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0627\u0644\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629:<\/strong> \u062a\u0641\u0639\u064a\u0644 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0648\u0627\u0644\u062a\u0648\u062b\u064a\u0642 \u062e\u0644\u0627\u0644 24 \u0625\u0644\u0649 48 \u0633\u0627\u0639\u0629\u060c \u0625\u0631\u0633\u0627\u0644 \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631 \u0639\u0628\u0631 \u0642\u0646\u0648\u0627\u062a \u0627\u0644\u0645\u062d\u0627\u062f\u062b\u0629\u060c \u0631\u0628\u0637 \u0645\u0628\u0627\u0634\u0631 \u0645\u0639 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0634\u062d\u0646 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0644\u0648\u062c\u0633\u062a\u064a\u0629\u060c \u0648\u062c\u062f\u0648\u0644\u0629 \u0627\u0644\u0625\u064a\u062f\u0627\u0639 \u0627\u0644\u062a\u0644\u0642\u0627\u0626\u064a.<\/li>\n\n\n\n<li><strong>\u0637\u0631\u0642 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u062f\u0639\u0648\u0645\u0629:<\/strong> \u0645\u062f\u0649\u060c Apple Pay\u060c \u0641\u064a\u0632\u0627\u060c \u0645\u0627\u0633\u062a\u0631\u0643\u0627\u0631\u062f\u060c \u0623\u0645\u0631\u064a\u0643\u0627\u0646 \u0625\u0643\u0633\u0628\u0631\u064a\u0633\u060c STC Pay\u060c \u0648\u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u062e\u0644\u064a\u062c\u064a\u0629.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0623\u0646\u0633\u0628 \u0644\u0640:<\/strong> \u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u0645\u062a\u062e\u0635\u0635\u0629\u060c \u0645\u0643\u0627\u062a\u0628 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a\u060c \u0627\u0644\u0639\u064a\u0627\u062f\u0627\u062a\u060c \u0648\u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u0647\u0646 \u0627\u0644\u062d\u0631\u0629 \u0627\u0644\u0630\u064a\u0646 \u064a\u0639\u062a\u0645\u062f\u0648\u0646 \u0639\u0644\u0649 \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631 \u0627\u0644\u0645\u0628\u0627\u0634\u0631\u0629.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0648\u0627\u0644\u0631\u0633\u0648\u0645:<\/strong> \u062a\u0628\u062f\u0623 \u0631\u0633\u0648\u0645 \u0645\u062f\u0649 \u0645\u0646 <strong>1.5% + 1.00 \u0631\u064a\u0627\u0644 \u0633\u0639\u0648\u062f\u064a<\/strong>\u060c \u0648\u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0645\u0646 <strong>2.5% + 1.00 \u0631\u064a\u0627\u0644 \u0633\u0639\u0648\u062f\u064a<\/strong>.<\/li>\n\n\n\n<li><strong>\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u0643\u0627\u0645\u0644:<\/strong> \u0645\u0643\u0648\u0646\u0627\u062a \u0625\u0636\u0627\u0641\u064a\u0629 \u062c\u0627\u0647\u0632\u0629 \u0644\u0645\u0646\u0635\u0627\u062a (Shopify, WooCommerce, OpenCart) \u0645\u0639 \u0648\u0627\u062c\u0647\u0627\u062a \u0628\u0631\u0645\u062c\u064a\u0629 \u062e\u0641\u064a\u0641\u0629 \u0648\u0633\u0647\u0644\u0629 \u0627\u0644\u0631\u0628\u0637.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>8. \u062c\u064a\u062f\u064a\u0627 (Geidea)<\/strong><\/h3>\n\n\n\n<p>\u062a\u064f\u0639\u062f <strong>\u062c\u064a\u062f\u064a\u0627<\/strong> \u0623\u0643\u0628\u0631 \u0645\u0632\u0648\u062f \u0644\u0623\u062c\u0647\u0632\u0629 \u0646\u0642\u0627\u0637 \u0627\u0644\u0628\u064a\u0639 (POS) \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0648\u0645\u062d\u0635\u0644\u0627\u064b \u0645\u0639\u062a\u0645\u062f\u0627\u064b \u0648\u0645\u0631\u062e\u0635\u0627\u064b \u0645\u0646 &#8220;\u0633\u0627\u0645\u0627&#8221;. \u062a\u062a\u064a\u062d \u0627\u0644\u0645\u0646\u0635\u0629 \u062f\u0645\u062c \u0646\u0642\u0627\u0637 \u0627\u0644\u0628\u064a\u0639 \u0627\u0644\u0641\u0639\u0644\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0645\u0639 \u0628\u0648\u0627\u0628\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0641\u064a \u0646\u0638\u0627\u0645 \u0648\u0627\u062d\u062f.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0627\u0644\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629:<\/strong> \u0625\u062f\u0627\u0631\u0629 \u0645\u0648\u062d\u062f\u0629 \u0644\u0623\u062c\u0647\u0632\u0629 \u0646\u0642\u0627\u0637 \u0627\u0644\u0628\u064a\u0639\u060c \u0648\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u062f\u0641\u0639 \u0639\u0628\u0631 \u0627\u0644\u062c\u0648\u0627\u0644 (SoftPOS)\u060c \u0648\u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0641\u064a \u0644\u0648\u062d\u0629 \u062a\u062d\u0643\u0645 \u0648\u0627\u062d\u062f\u0629\u060c \u0645\u0639 \u062a\u0633\u0648\u064a\u0629 \u0645\u062d\u0644\u064a\u0629 \u0633\u0631\u064a\u0639\u0629 \u0648\u0627\u0633\u062a\u0636\u0627\u0641\u0629 \u0628\u064a\u0627\u0646\u0627\u062a \u0645\u062d\u0644\u064a\u0629.<\/li>\n\n\n\n<li><strong>\u0637\u0631\u0642 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u062f\u0639\u0648\u0645\u0629:<\/strong> \u0645\u062f\u0649\u060c Apple Pay\u060c \u0641\u064a\u0632\u0627\u060c \u0645\u0627\u0633\u062a\u0631\u0643\u0627\u0631\u062f\u060c \u0648\u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0631\u0642\u0645\u064a\u0629.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0623\u0646\u0633\u0628 \u0644\u0640:<\/strong> \u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u062a\u062c\u0632\u0626\u0629\u060c \u0633\u0644\u0627\u0633\u0644 \u0627\u0644\u0645\u0637\u0627\u0639\u0645\u060c \u0648\u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0645\u062a\u0644\u0643 \u0641\u0631\u0648\u0639\u0627\u064b \u0648\u0627\u0642\u0639\u064a\u0629 \u0648\u0645\u062a\u0627\u062c\u0631 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0641\u064a \u0622\u0646 \u0648\u0627\u062d\u062f.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0648\u0627\u0644\u0631\u0633\u0648\u0645:<\/strong> \u0631\u0633\u0648\u0645 \u062a\u062d\u0635\u064a\u0644 \u0645\u062d\u0644\u064a\u0629 \u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0645\u062f\u0649 \u062a\u0628\u062f\u0623 \u0642\u0631\u064a\u0628\u0627\u064b \u0645\u0646 \u0627\u0644\u0633\u0639\u0631 \u0627\u0644\u0645\u0631\u062c\u0639\u064a \u0627\u0644\u0623\u0633\u0627\u0633\u064a (~1.0% + \u0631\u0633\u0648\u0645 \u062b\u0627\u0628\u062a\u0629)\u060c \u0645\u0639 \u0628\u0627\u0642\u0627\u062a \u0645\u0631\u0646\u0629 \u0644\u0644\u0623\u062c\u0647\u0632\u0629 \u0648\u0627\u0644\u0628\u0631\u0627\u0645\u062c.<\/li>\n\n\n\n<li><strong>\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u0643\u0627\u0645\u0644:<\/strong> \u062d\u0632\u0645 Geidea Web SDK\u060c \u0648\u0645\u0643\u062a\u0628\u0627\u062a \u0623\u062c\u0647\u0632\u0629 \u0646\u0642\u0627\u0637 \u0627\u0644\u0628\u064a\u0639 \u0627\u0644\u062a\u064a \u062a\u0639\u0645\u0644 \u0628\u0646\u0638\u0627\u0645 Android\u060c \u0648\u0627\u0644\u0631\u0628\u0637 \u0645\u0639 \u0645\u0646\u0635\u0627\u062a \u0645\u062b\u0644 \u0633\u0644\u0629 \u0648 Shopify.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>9. \u062a\u064a\u0644\u0631 (Telr)<\/strong><\/h3>\n\n\n\n<p><strong>\u062a\u064a\u0644r<\/strong> \u0647\u064a \u0628\u0648\u0627\u0628\u0629 \u062f\u0641\u0639 \u0645\u062a\u0643\u0627\u0645\u0644\u0629 \u062a\u0639\u0645\u0644 \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0648\u0645\u0646\u0637\u0642\u0629 \u0627\u0644\u0634\u0631\u0642 \u0627\u0644\u0623\u0648\u0633\u0637\u060c \u0648\u062a\u0648\u0641\u0631 \u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0634\u062a\u0631\u0627\u0643 \u0645\u0631\u0646\u0629 \u0648\u0623\u062f\u0648\u0627\u062a \u062f\u0639\u0645 \u0644\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0627\u0644\u0646\u0627\u0634\u0626\u0629.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0627\u0644\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629:<\/strong> \u0628\u0627\u0642\u0627\u062a \u0627\u0634\u062a\u0631\u0627\u0643 \u0634\u0647\u0631\u064a\u0629 \u0645\u062a\u0646\u0648\u0639\u0629\u060c \u0648\u0627\u062c\u0647\u0627\u062a \u062f\u0641\u0639 \u062b\u0646\u0627\u0626\u064a\u0629 \u0627\u0644\u0644\u063a\u0629 (\u0639\u0631\u0628\u064a \u0648\u0625\u0646\u062c\u0644\u064a\u0632\u064a)\u060c \u0623\u062f\u0648\u0627\u062a \u0645\u062f\u0645\u062c\u0629 \u0644\u0645\u0643\u0627\u0641\u062d\u0629 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644\u060c \u0648\u062f\u0639\u0645 \u0627\u0644\u062f\u0641\u0639 \u0639\u0628\u0631 \u0634\u0628\u0643\u0627\u062a \u0627\u0644\u062a\u0648\u0627\u0635\u0644.<\/li>\n\n\n\n<li><strong>\u0637\u0631\u0642 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u062f\u0639\u0648\u0645\u0629:<\/strong> \u0645\u062f\u0649\u060c Apple Pay\u060c \u0641\u064a\u0632\u0627\u060c \u0645\u0627\u0633\u062a\u0631\u0643\u0627\u0631\u062f\u060c \u0623\u0645\u0631\u064a\u0643\u0627\u0646 \u0625\u0643\u0633\u0628\u0631\u064a\u0633\u060c \u0648\u0633\u062f\u0627\u062f.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0623\u0646\u0633\u0628 \u0644\u0640:<\/strong> \u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0627\u0644\u062a\u064a \u062a\u0628\u062d\u062b \u0639\u0646 \u062a\u0643\u0627\u0644\u064a\u0641 \u0634\u0647\u0631\u064a\u0629 \u0645\u062d\u062f\u062f\u0629 \u0648\u062b\u0627\u0628\u062a\u0629 \u062f\u0648\u0646 \u0631\u0633\u0648\u0645 \u062a\u0623\u0633\u064a\u0633 \u0645\u0631\u062a\u0641\u0639\u0629.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0648\u0627\u0644\u0631\u0633\u0648\u0645:<\/strong> \u0627\u0634\u062a\u0631\u0627\u0643\u0627\u062a \u0634\u0647\u0631\u064a\u0629 \u062a\u0628\u062f\u0623 \u0645\u0646 <strong>99 \u0625\u0644\u0649 349 \u0631\u064a\u0627\u0644 \u0633\u0639\u0648\u062f\u064a\/\u0634\u0647\u0631\u064a\u0627\u064b<\/strong>\u060c \u0645\u0639 \u062a\u062e\u0641\u064a\u0636 \u0646\u0633\u0628\u0629 \u0627\u0644\u0639\u0645\u0648\u0644\u0629 \u0639\u0644\u0649 \u0627\u0644\u0628\u0627\u0642\u0627\u062a \u0627\u0644\u0623\u0639\u0644\u0649.<\/li>\n\n\n\n<li><strong>\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u0643\u0627\u0645\u0644:<\/strong> \u0648\u0627\u062c\u0647\u0627\u062a REST APIs\u060c \u0648\u0645\u0643\u062a\u0628\u0627\u062a \u0644\u0644\u0647\u0648\u0627\u062a\u0641 \u0627\u0644\u0630\u0643\u064a\u0629\u060c \u0648\u0625\u0636\u0627\u0641\u0627\u062a \u062c\u0627\u0647\u0632\u0629 \u0644\u0645\u0646\u0635\u0627\u062a Shopify \u0648 Magento \u0648 WooCommerce.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. \u0645\u0642\u0627\u0631\u0646\u0629 \u0634\u0627\u0645\u0644\u0629 \u0628\u064a\u0646 \u0623\u0641\u0636\u0644 \u0628\u0648\u0627\u0628\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629<\/strong><\/h2>\n\n\n\n<p>\u064a\u0648\u0636\u062d \u0627\u0644\u062c\u062f\u0648\u0644 \u0627\u0644\u062a\u0627\u0644\u064a \u0627\u0644\u0641\u0631\u0648\u0642 \u0627\u0644\u062c\u0648\u0647\u0631\u064a\u0629 \u0628\u064a\u0646 \u0628\u0648\u0627\u0628\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u0639\u062a\u0645\u062f\u0629 \u0645\u0646 \u062d\u064a\u062b \u0637\u0631\u0642 \u0627\u0644\u062f\u0641\u0639\u060c \u0648\u0646\u0645\u0627\u0630\u062c \u0627\u0644\u062a\u0633\u0639\u064a\u0631\u060c \u0648\u0641\u062a\u0631\u0627\u062a \u0627\u0644\u062a\u0633\u0648\u064a\u0629\u060c \u0648\u0623\u0641\u0636\u0644 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0627\u062a:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u0628\u0648\u0627\u0628\u0629 \u0627\u0644\u062f\u0641\u0639<\/strong><\/td><td><strong>\u0637\u0631\u0642 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0627\u0644\u0645\u062f\u0639\u0648\u0645\u0629<\/strong><\/td><td><strong>\u0647\u064a\u0643\u0644 \u0627\u0644\u0631\u0633\u0648\u0645 \u0648\u0627\u0644\u0639\u0645\u0648\u0644\u0627\u062a<\/strong><\/td><td><strong>\u0641\u062a\u0631\u0629 \u0627\u0644\u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u0628\u0646\u0643\u064a\u0629<\/strong><\/td><td><strong>\u0623\u0641\u0636\u0644 \u0627\u0633\u062a\u062e\u062f\u0627\u0645<\/strong><\/td><\/tr><tr><td><strong>\u0647\u0627\u064a\u0628\u0631 \u0628\u0627\u064a (HyperPay)<\/strong><\/td><td>\u0645\u062f\u0649\u060c Apple Pay\u060c STC Pay\u060c \u062a\u0645\u0627\u0631\u0627\u060c \u062a\u0627\u0628\u064a<\/td><td>\u062d\u0633\u0628 \u0627\u0644\u062d\u062c\u0645 (~1.65%\u20132.2% + \u0631\u0633\u0648\u0645 \u062b\u0627\u0628\u062a\u0629)<\/td><td>\u0645\u0646 \u064a\u0648\u0645\u064a\u0646 \u0625\u0644\u0649 4 \u0623\u064a\u0627\u0645 \u0639\u0645\u0644<\/td><td>\u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u0643\u0628\u0631\u0649\u060c \u0627\u0644\u0645\u0646\u0635\u0627\u062a \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629<\/td><\/tr><tr><td><strong>\u0645\u064a\u0633\u0631 (Moyasar)<\/strong><\/td><td>\u0645\u062f\u0649\u060c Apple Pay\u060c \u0641\u064a\u0632\u0627\/\u0645\u0627\u0633\u062a\u0631\u0643\u0627\u0631\u062f\u060c STC Pay<\/td><td>\u0645\u062f\u0649: 1.0% + 1 \u0631\u064a\u0627\u0644 | \u0628\u0637\u0627\u0642\u0627\u062a: 2.2% + 1 \u0631\u064a\u0627\u0644<\/td><td>\u0645\u0646 \u064a\u0648\u0645\u064a\u0646 \u0625\u0644\u0649 3 \u0623\u064a\u0627\u0645 \u0639\u0645\u0644<\/td><td>\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629\u060c \u0627\u0644\u0628\u0631\u0645\u062c\u064a\u0627\u062a (SaaS)<\/td><\/tr><tr><td><strong>\u0628\u064a \u062a\u0627\u0628\u0633 (PayTabs)<\/strong><\/td><td>\u0645\u062f\u0649\u060c Apple Pay\u060c \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u062e\u0644\u064a\u062c\u064a\u0629\u060c \u062a\u0627\u0628\u064a<\/td><td>\u0627\u0634\u062a\u0631\u0627\u0643 \u0634\u0647\u0631\u064a \u0623\u0648 ~1.5%\u20132.7% + \u0631\u0633\u0648\u0645 \u062b\u0627\u0628\u062a\u0629<\/td><td>\u0645\u0646 3 \u0625\u0644\u0649 5 \u0623\u064a\u0627\u0645 \u0639\u0645\u0644<\/td><td>\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u062a\u062c\u0632\u0626\u0629\u060c \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u062e\u0644\u064a\u062c\u064a\u0629<\/td><\/tr><tr><td><strong>\u062a\u0627\u0628 \u0628\u064a\u0645\u0646\u062a\u0633 (Tap Payments)<\/strong><\/td><td>\u0645\u062f\u0649\u060c Apple Pay\u060c KNET\u060c \u0628\u0646\u0641\u062a\u060c \u062a\u0627\u0628\u064a<\/td><td>\u0645\u062f\u0649: ~1.0%\u20131.75% | \u0628\u0637\u0627\u0642\u0627\u062a: ~2.25%\u20132.65%<\/td><td>\u0645\u0646 \u064a\u0648\u0645\u064a\u0646 \u0625\u0644\u0649 4 \u0623\u064a\u0627\u0645 \u0639\u0645\u0644<\/td><td>\u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0625\u0642\u0644\u064a\u0645\u064a\u0629 \u0645\u062a\u0639\u062f\u062f\u0629 \u0627\u0644\u062f\u0648\u0644<\/td><\/tr><tr><td><strong>\u0623\u0645\u0627\u0632\u0648\u0646 \u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 (APS)<\/strong><\/td><td>\u0645\u062f\u0649\u060c Apple Pay\u060c \u0627\u0644\u062a\u0642\u0633\u064a\u0637 \u0627\u0644\u0628\u0646\u0643\u064a \u0627\u0644\u0645\u062d\u0644\u064a<\/td><td>\u062a\u0633\u0639\u064a\u0631 \u0645\u062e\u0635\u0635 \u0644\u0644\u0645\u0624\u0633\u0633\u0627\u062a<\/td><td>\u0645\u0646 3 \u0625\u0644\u0649 5 \u0623\u064a\u0627\u0645 \u0639\u0645\u0644<\/td><td>\u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0636\u062e\u0645\u0629\u060c \u0645\u0646\u0635\u0627\u062a \u062d\u062c\u0648\u0632\u0627\u062a \u0627\u0644\u0633\u0641\u0631<\/td><\/tr><tr><td><strong>\u062a\u0634\u064a\u0643 \u0623\u0648\u062a (Checkout.com)<\/strong><\/td><td>\u0645\u062f\u0649\u060c Apple Pay\u060c \u062a\u0645\u0627\u0631\u0627\u060c \u062e\u064a\u0627\u0631\u0627\u062a \u062f\u0648\u0644\u064a\u0629<\/td><td>\u062a\u0633\u0639\u064a\u0631 \u0645\u062e\u0635\u0635 (Interchange-Plus)<\/td><td>\u0645\u0646 \u064a\u0648\u0645 \u0625\u0644\u0649 3 \u0623\u064a\u0627\u0645 \u0639\u0645\u0644<\/td><td>\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629\u060c \u0627\u0644\u0645\u0646\u0635\u0627\u062a \u0627\u0644\u0643\u0628\u0631\u0649<\/td><\/tr><tr><td><strong>\u0645\u0627\u064a \u0641\u0627\u062a\u0648\u0631\u0629 (MyFatoorah)<\/strong><\/td><td>\u0645\u062f\u0649\u060c Apple Pay\u060c STC Pay\u060c \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u062e\u0644\u064a\u062c<\/td><td>~1.5% + 1 \u0631\u064a\u0627\u0644 (\u0645\u062f\u0649) | 2.5% (\u0628\u0637\u0627\u0642\u0627\u062a)<\/td><td>\u064a\u0648\u0645\u064a\u0627\u064b \u0625\u0644\u0649 \u064a\u0648\u0645\u064a \u0639\u0645\u0644<\/td><td>\u0627\u0644\u0641\u0648\u062a\u0631\u0629 \u0627\u0644\u0633\u0631\u064a\u0639\u0629\u060c \u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629<\/td><\/tr><tr><td><strong>\u062c\u064a\u062f\u064a\u0627 (Geidea)<\/strong><\/td><td>\u0645\u062f\u0649\u060c Apple Pay\u060c \u0627\u0644\u062f\u0641\u0639 \u0639\u0628\u0631 \u0627\u0644\u062c\u0648\u0627\u0644 POS<\/td><td>\u0631\u0633\u0648\u0645 \u0645\u062d\u0644\u064a\u0629 \u062a\u0646\u0627\u0641\u0633\u064a\u0629 (~1.0% \u0645\u062f\u0649)<\/td><td>\u0645\u0646 \u064a\u0648\u0645 \u0625\u0644\u0649 \u064a\u0648\u0645\u064a \u0639\u0645\u0644<\/td><td>\u0627\u0644\u062c\u0645\u0639 \u0628\u064a\u0646 \u0627\u0644\u0641\u0631\u0648\u0639 \u0648\u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629<\/td><\/tr><tr><td><strong>\u062a\u064a\u0644\u0631 (Telr)<\/strong><\/td><td>\u0645\u062f\u0649\u060c Apple Pay\u060c \u0633\u062f\u0627\u062f\u060c \u0641\u064a\u0632\u0627\/\u0645\u0627\u0633\u062a\u0631\u0643\u0627\u0631\u062f<\/td><td>\u0628\u0627\u0642\u0627\u062a \u0627\u0634\u062a\u0631\u0627\u0643 \u0634\u0647\u0631\u064a\u0629 + \u0646\u0633\u0628\u0629 \u0645\u062a\u063a\u064a\u0631\u0629<\/td><td>\u0645\u0646 3 \u0625\u0644\u0649 5 \u0623\u064a\u0627\u0645 \u0639\u0645\u0644<\/td><td>\u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u0628\u0627\u062d\u062b\u0629 \u0639\u0646 \u0631\u0633\u0648\u0645 \u0634\u0647\u0631\u064a\u0629 \u062b\u0627\u0628\u062a\u0629<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4. \u0643\u064a\u0641 \u062a\u062e\u062a\u0627\u0631 \u0628\u0648\u0627\u0628\u0629 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u0629 \u0644\u0645\u0634\u0631\u0648\u0639\u0643 \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u061f<\/strong><\/h2>\n\n\n\n<p>\u064a\u062a\u0637\u0644\u0628 \u0627\u062e\u062a\u064a\u0627\u0631 \u0628\u0648\u0627\u0628\u0629 \u0627\u0644\u062f\u0641\u0639 \u0645\u0648\u0627\u0632\u0646\u0629 \u062f\u0642\u064a\u0642\u0629 \u0628\u064a\u0646 \u0637\u0628\u064a\u0639\u0629 \u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0639\u0645\u0644\u060c \u0648\u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0639\u0645\u064a\u0644\u060c \u0648\u0627\u0644\u0625\u0645\u0643\u0627\u0646\u064a\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0645\u062a\u0627\u062d\u0629:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. \u0646\u0648\u0639 \u0627\u0644\u0646\u0634\u0627\u0637 \u0648\u062d\u062c\u0645 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0634\u0647\u0631\u064a\u0629<\/strong><\/h3>\n\n\n\n<p>\u062a\u0633\u062a\u0641\u064a\u062f \u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0645\u0646 \u0627\u0644\u0628\u0648\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u064a \u0644\u0627 \u062a\u0641\u0631\u0636 \u0631\u0633\u0648\u0645\u0627\u064b \u0634\u0647\u0631\u064a\u0629 \u0648\u062a\u0648\u0641\u0631 \u062a\u0648\u062b\u064a\u0642\u0627\u064b \u0633\u0631\u064a\u0639\u0627\u064b (\u0645\u062b\u0644 \u0645\u064a\u0633\u0631 \u0623\u0648 \u062a\u0627\u0628 \u0628\u064a\u0645\u0646\u062a\u0633). \u0628\u064a\u0646\u0645\u0627 \u062a\u062a\u0637\u0644\u0628 \u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639 \u0627\u0644\u0643\u0628\u064a\u0631\u0629 \u0627\u0644\u062a\u0641\u0627\u0648\u0636 \u0639\u0644\u0649 \u0631\u0633\u0648\u0645 \u0645\u0646\u062e\u0641\u0636\u0629 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0627\u0644\u062d\u062c\u0645 \u0645\u0639 \u0645\u0632\u0648\u062f\u064a\u0646 \u0645\u062b\u0644 \u0647\u0627\u064a\u0628\u0631 \u0628\u0627\u064a \u0623\u0648 \u062a\u0634\u064a\u0643 \u0623\u0648\u062a \u062f\u0648\u062a \u0643\u0648\u0645. \u0641\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0625\u0630\u0627 \u0643\u0627\u0646 \u0646\u0634\u0627\u0637\u0643 \u064a\u0631\u0643\u0632 \u0639\u0644\u0649 <a href=\"https:\/\/www.creolestudios.com\/ksa\/ar\/how-to-develop-food-delivery-app-in-saudi-arabia\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u062a\u0637\u0648\u064a\u0631 \u062a\u0637\u0628\u064a\u0642 \u062a\u0648\u0635\u064a\u0644 \u0637\u0644\u0628\u0627\u062a \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629<\/a>\u060c \u0641\u0625\u0646 \u0633\u0631\u0639\u0629 \u0645\u0639\u0627\u0644\u062c\u0629 \u0627\u0644\u062f\u0641\u0639 \u0641\u064a \u0623\u062c\u0632\u0627\u0621 \u0645\u0646 \u0627\u0644\u062b\u0627\u0646\u064a\u0629 \u0648\u062e\u0627\u0635\u064a\u0629 \u062d\u0641\u0638 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0644\u0644\u0637\u0644\u0628 \u0627\u0644\u0645\u062a\u0643\u0631\u0631 \u062a\u0635\u0628\u062d \u0645\u062a\u0637\u0644\u0628\u0627\u064b \u0623\u0633\u0627\u0633\u064a\u0627\u064b \u0644\u0645\u0646\u0639 \u0625\u0644\u063a\u0627\u0621 \u0627\u0644\u0637\u0644\u0628\u0627\u062a.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. \u0627\u0644\u062f\u0639\u0645 \u0627\u0644\u0625\u0644\u0632\u0627\u0645\u064a \u0644\u0634\u0628\u0643\u0629 \u0645\u062f\u0649 \u0648\u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0631\u0642\u0645\u064a\u0629<\/strong><\/h3>\n\n\n\n<p>\u0646\u0638\u0631\u0627\u064b \u0644\u0623\u0646 <strong>\u0628\u0637\u0627\u0642\u0627\u062a \u0645\u062f\u0649 \u062a\u0645\u062b\u0644 \u0627\u0644\u062d\u0635\u0629 \u0627\u0644\u0623\u0643\u0628\u0631 \u0645\u0646 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629<\/strong>\u060c \u0641\u0625\u0646 \u0627\u0644\u0631\u0628\u0637 \u0627\u0644\u0645\u0628\u0627\u0634\u0631 \u0645\u0639 \u0634\u0628\u0643\u0629 \u0645\u062f\u0649 \u0623\u0645\u0631 \u062d\u0627\u0633\u0645. \u0648\u0625\u0644\u0649 \u062c\u0627\u0646\u0628 \u0645\u062f\u0649\u060c \u064a\u0645\u062b\u0644 <strong>Apple Pay<\/strong> \u0648\u0633\u064a\u0644\u0629 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u0641\u0636\u0644\u0629 \u0644\u063a\u0627\u0644\u0628\u064a\u0629 \u0645\u0633\u062a\u062e\u062f\u0645\u064a \u0627\u0644\u0647\u0648\u0627\u062a\u0641 \u0627\u0644\u0630\u0643\u064a\u0629\u060c \u0644\u0630\u0627 \u064a\u062c\u0628 \u0627\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u062f\u0639\u0645 \u0627\u0644\u062f\u0641\u0639 \u0628\u0644\u0645\u0633\u0629 \u0648\u0627\u062d\u062f\u0629 \u062f\u0627\u062e\u0644 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\u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 <strong>PCI-DSS Level 1<\/strong>\u060c \u0648\u062f\u0639\u0645 \u0645\u0639\u064a\u0627\u0631 \u0627\u0644\u062a\u062d\u0642\u0642 \u062b\u0644\u0627\u062b\u064a \u0627\u0644\u0623\u0628\u0639\u0627\u062f \u0627\u0644\u0645\u062d\u062f\u062b (3DS2)\u060c \u0648\u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0633\u062a\u0636\u0627\u0641\u0629 \u0648\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u062f\u0627\u062e\u0644 \u0627\u0644\u0645\u0645\u0644\u0643\u0629.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. \u062c\u0648\u062f\u0629 \u0627\u0644\u062a\u0643\u0627\u0645\u0644 \u0627\u0644\u062a\u0642\u0646\u064a \u0648\u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645<\/strong><\/h3>\n\n\n\n<p>\u064a\u062c\u0628 \u0623\u0646 \u062a\u062a\u0637\u0627\u0628\u0642 \u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0628\u0648\u0627\u0628\u0629 \u0645\u0639 \u0628\u0646\u064a\u0629 \u0645\u0634\u0631\u0648\u0639\u0643 \u0627\u0644\u0628\u0631\u0645\u062c\u064a\u0629\u061b \u062a\u0623\u0643\u062f \u0645\u0646 \u062a\u0648\u0641\u0631 \u062d\u0632\u0645 \u0628\u0631\u0645\u062c\u064a\u0629 \u062c\u0627\u0647\u0632\u0629 \u062a\u062a\u0648\u0627\u0641\u0642 \u0645\u0639 <a href=\"https:\/\/www.creolestudios.com\/ksa\/ar\/mobile-app-development-frameworks-for-saudi-arabia\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0623\u0637\u0631 \u0639\u0645\u0644 \u062a\u0637\u0648\u064a\u0631 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u062c\u0648\u0627\u0644 \u0627\u0644\u062d\u062f\u064a\u062b\u0629<\/a> \u0645\u062b\u0644 Flutter \u0648 React Native \u0648 Swift \u0648 Kotlin. \u0643\u0645\u0627 \u0623\u0646 \u062a\u0635\u0645\u064a\u0645 \u0648\u0627\u062c\u0647\u0629 \u0627\u0644\u062f\u0641\u0639 \u0628\u0645\u0627 \u064a\u062a\u0648\u0627\u0641\u0642 \u0645\u0639 <a href=\"https:\/\/www.creolestudios.com\/ksa\/ar\/principles-of-effective-app-design\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0645\u0628\u0627\u062f\u0626 \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0641\u0639\u0627\u0644\u0629<\/a> \u064a\u0642\u0644\u0644 \u0628\u0634\u0643\u0644 \u0645\u0644\u062d\u0648\u0638 \u0645\u0646 \u062a\u0631\u0627\u062c\u0639 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0641\u064a \u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u0623\u062e\u064a\u0631\u0629 \u0644\u0644\u0634\u0631\u0627\u0621.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. \u0648\u0636\u0648\u062d \u0627\u0644\u0631\u0633\u0648\u0645 \u0648\u0645\u0648\u0627\u0639\u064a\u062f \u0627\u0644\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0628\u0646\u0643\u064a<\/strong><\/h3>\n\n\n\n<p>\u0627\u0637\u0644\u0639 \u0639\u0644\u0649 \u0643\u0627\u0641\u0629 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0631\u0633\u0648\u0645 \u0627\u0644\u0625\u0639\u062f\u0627\u062f\u060c \u0648\u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643\u0627\u062a \u0627\u0644\u0634\u0647\u0631\u064a\u0629\u060c \u0648\u0631\u0633\u0648\u0645 \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0645\u0628\u0627\u0644\u063a (Refunds)\u060c \u0648\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0623\u062c\u0646\u0628\u064a\u0629. \u0625\u0646 \u0627\u062d\u062a\u0633\u0627\u0628 \u0647\u0630\u0647 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0645\u0628\u0643\u0631\u0627\u064b \u064a\u0636\u0645\u0646 \u062f\u0642\u0629 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u0645\u0627\u0644\u064a \u0639\u0646\u062f \u062f\u0631\u0627\u0633\u0629 <a href=\"https:\/\/www.creolestudios.com\/ksa\/ar\/custom-software-development-cost-saudi-arabia\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u062a\u0643\u0644\u0641\u0629 \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0628\u0631\u0645\u062c\u064a\u0627\u062a \u0627\u0644\u0645\u062e\u0635\u0635\u0629 \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u062e\u0627\u062a\u0645\u0629<\/strong><\/h2>\n\n\n\n<p>\u064a\u064f\u0639\u062f \u0627\u062e\u062a\u064a\u0627\u0631 \u0628\u0648\u0627\u0628\u0629 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0642\u0631\u0627\u0631\u0627\u064b \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u064b 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class=\"wp-block-heading\"><strong>\u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0634\u0627\u0626\u0639\u0629 (FAQs)<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0645\u0627 \u0647\u064a \u0623\u0641\u0636\u0644 \u0628\u0648\u0627\u0628\u0629 \u062f\u0641\u0639 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u061f<\/strong><\/h3>\n\n\n\n<p>\u062a\u062a\u0635\u062f\u0631 <strong>\u0647\u0627\u064a\u0628\u0631 \u0628\u0627\u064a<\/strong> \u0648 <strong>\u0628\u064a \u062a\u0627\u0628\u0633<\/strong> \u0627\u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0623\u0641\u0636\u0644 \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0643\u0628\u0631\u0649 \u0644\u0645\u0627 \u062a\u0648\u0641\u0631\u0627\u0646\u0647 \u0645\u0646 \u0628\u0646\u064a\u0629 \u0642\u0648\u064a\u0629\u060c \u0628\u064a\u0646\u0645\u0627 \u062a\u064f\u0639\u062f <strong>\u0645\u064a\u0633\u0631<\/strong> 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\u0627\u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0623\u0643\u062b\u0631 \u0645\u0644\u0627\u0621\u0645\u0629 \u0644\u0644\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0628\u0641\u0636\u0644 \u0627\u0644\u0645\u0643\u0648\u0646\u0627\u062a \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0627\u0644\u062c\u0627\u0647\u0632\u0629 \u0644\u0645\u0646\u0635\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0648\u0633\u0631\u0639\u0629 \u0627\u0644\u062a\u0641\u0639\u064a\u0644. \u0623\u0645\u0627 \u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u0645\u062e\u0635\u0635\u0629 \u0630\u0627\u062a \u0627\u0644\u0623\u062d\u062c\u0627\u0645 \u0627\u0644\u0643\u0628\u064a\u0631\u0629\u060c \u0641\u062a\u0633\u062a\u0641\u064a\u062f \u0628\u0635\u0648\u0631\u0629 \u0623\u0641\u0636\u0644 \u0645\u0646 \u0623\u062f\u0648\u0627\u062a \u0627\u0644\u062a\u062d\u0633\u064a\u0646 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