How we built a SoftPOS platform that turns any NFC-enabled smartphone into a certified payment terminal — approved by Visa, Mastercard, and regulated by the Saudi Central Bank (SAMA).
Traditional point-of-sale (POS) hardware has long been a barrier for small and medium businesses in Saudi Arabia. The cost of purchasing, maintaining, and managing dedicated payment terminals — combined with lengthy onboarding processes — left thousands of merchants unable to accept modern contactless payments.
Rasid Payments envisioned a world where any Android smartphone could become a fully certified payment terminal. But turning that vision into reality required meeting the strictest security and compliance standards in fintech: certification by Visa and Mastercard, full regulatory approval from SAMA (Saudi Central Bank), and compliance with ZATCA e-invoicing requirements — all while delivering a seamless merchant experience.
The technical challenges were immense: building a secure NFC payment stack on consumer devices, implementing end-to-end encryption that meets PCI standards, handling real-time settlement across multiple payment networks, and ensuring the system worked reliably across hundreds of Android device models and OS versions.
We engineered Rasid Jack — a SoftPOS application that transforms any NFC-enabled Android device (Android 10+) into a secure, certified payment terminal. The solution eliminates hardware dependency entirely while exceeding the security standards of traditional POS systems.
Built a high-performance NFC payment stack that reads contactless cards and mobile wallets (Apple Pay, Samsung Pay) with sub-second tap-to-pay response times. Optimized for 200+ Android device models.
Implemented end-to-end encryption, tokenization, and secure element isolation on consumer devices. Achieved PCI DSS compliance with tamper detection, secure key injection, and real-time fraud monitoring.
Integrated with 8 payment networks — Mada, Visa, Mastercard, American Express, Discover, GCC Cards, Apple Pay, and Samsung Pay — with unified settlement and real-time transaction routing.
Built native e-invoicing capabilities fully aligned with ZATCA (Zakat, Tax, and Customs Authority) requirements — generating compliant digital invoices, QR-code receipts, and tax-ready transaction records automatically.
Engineered a real-time settlement engine that deposits funds directly to merchant bank accounts. Includes a merchant dashboard with transaction analytics, daily reconciliation, and monthly KYC-verified account reviews.
Designed a streamlined 4-step onboarding flow: download the app, register the business, activate a virtual terminal, and start accepting payments — getting merchants live in minutes, not weeks.
Rasid Jack integrates with all major payment networks, enabling merchants to accept virtually any contactless payment method available in Saudi Arabia and beyond.
Rasid Jack launched as a fully certified SoftPOS solution — one of the first in Saudi Arabia to receive both international payment network approval and SAMA regulatory certification.
We combined mobile payment infrastructure, cloud-native services, and enterprise-grade security tooling to deliver a production-ready SoftPOS platform.
Ready to launch a payment solution or fintech platform? Our team has the expertise to take you from concept to certified product.
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