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How does SADAD Work?

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  1. Billers send summary bills information to SADAD at a pre-determined schedule.
  2. SADAD validates data received and uploads it into its databas.
  3. SADAD notifies Billers of any discrepancies.
  4. Customer requests bill(s) information through Bank channels (1).
  5. The Bank forwards the request received to SADAD.
  6. SADAD retrieves bill information from its database and forwards it to customer.
  7. Customer selects the bill(s) to be paid and the respective amount(s).
  8. The Bank debits the customer account and confirms the transaction.
  9. SADAD updates its database based on the Bank’s confirmation (2) .
  10. SADAD notifies relevant Biller(s) accordingly.
  11. At the end of the day, SADAD initiates settlement instructions through SARIE .
  12. At the end of the day, Billers receive reconciliation reports from SADAD showing a breakdown of all transactions processed by SADAD .
  13. SADAD updates bills status to “settled” .