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AI Nova Apps

Middle East

Mobile App Development for Saudi Arabia — Riyadh, Jeddah & Dammam

Arabic-first iOS, Android and web apps for Saudi startups and enterprises, with mada, Apple Pay, Nafath, ZATCA e-invoicing and PDPL compliance built in.

Serving:Riyadh · Jeddah · Dammam · Khobar · Makkah · Madinah

  • Free consultation & estimate
  • NDA on request
  • You own the source code
Overview

Software Development for Saudi Businesses

Saudi Arabia is one of the fastest-moving digital markets in the world. Electronic payments made up 85% of retail payments in 2025 according to the Saudi Central Bank, Vision 2030 is pushing every sector online, and customers expect apps that feel as polished as the best global brands — in Arabic first.

That makes local detail critical. A checkout without mada and Apple Pay loses customers; a date picker without the Hijri calendar looks foreign; and an invoicing system that isn't integrated with ZATCA's FATOORA platform no longer meets the rules for most VAT-registered businesses. Since September 2024 the Personal Data Protection Law has been fully enforceable, and SDAIA has been issuing enforcement decisions.

Riyadh is two hours behind Islamabad. Our office day runs from 7 AM to 4 PM Saudi time, and we share four full working days a week — Monday to Thursday — with Saudi teams.

Saudi projects at a glance

Time difference
Islamabad is 2 hours ahead of Riyadh
Shared hours
7 AM – 4 PM Saudi time, Monday to Thursday
Languages
Arabic-first (RTL) with English
Data law
PDPL, enforced by SDAIA since 2024
E-invoicing
ZATCA FATOORA Phase 2 integration
Local Know-How

What We Handle for Saudi Projects

Much of the work in a market-ready product is local detail. These are the requirements we plan for from the first sprint.

  • Arabic-first experience

    Right-to-left design, Saudi-friendly Arabic copy, Hijri and Gregorian dates side by side and search that handles Arabic spelling variations. More than nine in ten online purchases in the Kingdom happen on local sites, so a local feel matters.

  • PDPL compliance

    Consent and privacy notices in Arabic, a record of processing, breach notification to SDAIA within 72 hours, a DPO where required and Standard Contractual Clauses for transfers outside the Kingdom — including access by our team in Pakistan.

  • ZATCA FATOORA integration

    Phase 2 e-invoices in UBL 2.1 XML with a cryptographic stamp and QR code, device onboarding and the clearance and reporting APIs. ZATCA keeps adding waves — the 25th covers businesses with revenue above SAR 187,500 by 1 February 2027.

  • mada, Apple Pay & BNPL

    mada debit cards and Apple Pay are essential, with Tabby and Tamara for instalments, SADAD for bills and stc Bank wallets. We integrate through local gateways such as HyperPay, Moyasar or PayTabs, or global ones like Checkout.com.

  • Nafath and national identity

    Nafath is the national login linked to Absher and used by hundreds of government and private platforms. For apps approved to use it, we integrate Nafath sign-in and identity verification into onboarding.

  • Hosting inside the Kingdom

    Government bodies and critical-infrastructure operators must follow the NCA's Essential and Cloud Cybersecurity Controls and generally keep data in the Kingdom. We deploy to Google Cloud Dammam, Oracle Jeddah or Riyadh, or STC's Alibaba-based cloud; AWS and Microsoft regions are due to open at the end of 2026.

  • Fintech and open banking

    SAMA's Open Banking Framework now covers both account information and payment initiation. For fintech clients we build to SAMA requirements and work with your compliance team on licensing and sandbox applications.

  • WhatsApp-first customer service

    WhatsApp is the most used app in the Kingdom, so we integrate the WhatsApp Business Platform for notifications and support, with an Arabic AI assistant that answers routine questions and hands complex ones to your team.

Integrations

Local Services We Integrate

Payment, identity and cloud services commonly used by Saudi businesses.

  • mada
  • Apple Pay
  • Tabby
  • Tamara
  • SADAD
  • stc Bank
  • HyperPay
  • Moyasar
  • PayTabs
  • Checkout.com
  • Nafath
  • ZATCA FATOORA
  • WhatsApp Business Platform
  • Google Cloud Dammam
  • Oracle Cloud Jeddah & Riyadh
Industries

Industries We Build For

  • Retail & e-commerce
  • FinTech
  • Food delivery & restaurants
  • Real estate
  • Healthcare
  • Education & training

Building an app for Saudi users

Saudi customers are young, mobile-first and quick to switch to a better app. iPhone and Android are close to evenly split, so both platforms need equal care. This is what we plan for on every Saudi project.

Payments the way Saudis pay

mada is the national debit network and Apple Pay has become the default for many shoppers, so both belong on the first screen of the checkout. Tabby and Tamara instalments lift basket sizes for retail, SADAD covers bills and subscriptions, and stc Bank — the digital bank that grew out of STC Pay — is widely used for wallet payments. We choose a gateway that supports all of these in one integration and test refunds and failed payments as carefully as successful ones.

PDPL in practice

The Personal Data Protection Law applies to any processing of personal data about people in the Kingdom, including by companies abroad. In practice that means Arabic privacy notices, clear consent for marketing, a 72-hour breach plan, and safeguards such as Standard Contractual Clauses when data leaves the country — which includes remote access by a development team. Some controllers must also register on SDAIA's National Data Governance Platform. Fines reach up to SAR 5 million and can be doubled for repeat offences, so we treat these as launch requirements, not paperwork.

E-invoicing is not optional

ZATCA rolled out FATOORA Phase 2 in waves from January 2023, notifying each group of businesses at least six months before their deadline. Wave 24 covered businesses with revenue above SAR 375,000 by 30 June 2026, and wave 25 brings in those above SAR 187,500 by 1 February 2027. Any POS, ERP or billing product sold in the Kingdom needs a compliant integration, and we build these integrations ourselves.

Choosing where to host

Private-sector apps that don't hold government or critical-infrastructure data can use regional hosting, but many Saudi enterprises prefer in-Kingdom hosting. Google Cloud's Dammam region (since 2023), Oracle's Jeddah and Riyadh regions and the STC-backed cloud are available today, and AWS and Microsoft Azure have announced Saudi regions for the end of 2026.

Arabic AI that understands Saudi users

Customer-service chatbots need to handle Saudi dialect, Modern Standard Arabic and English in the same conversation. We build assistants on large language models with your own content, test them with native Arabic speakers from your team, follow SDAIA's AI ethics principles and always offer a route to a human.

Working with us from Saudi Arabia

We share Monday to Thursday with Saudi teams, from 7 AM to 4 PM Riyadh time, and pick up Sunday's messages first thing on Monday. Engagements start with a free consultation, followed by a fixed-price proposal or a dedicated-team rate. As a rough guide, a focused MVP costs US$5,000–$15,000, a mid-sized app $15,000–$40,000 and complex platforms start from around $40,000.

Ways to work with us

Engagement Models That Fit How You Build

Every engagement starts with a free scoping call. We recommend a model based on how clear your requirements are and how much control you want over the team.

  • Fixed-Price Project

    A defined scope, timeline and price agreed up front, delivered in milestones you sign off. Change requests are estimated before any work starts, so the budget never moves without your approval.

    Best for: MVPs and projects with clear, stable requirements

  • Dedicated Team

    A full-time team — engineers, designer, QA and a project manager — working only on your product, in your tools and rituals. You set priorities each sprint; we handle hiring, retention and delivery quality.

    Best for: Long-term products and growing roadmaps

  • Time & Materials

    Pay for the hours actually worked, billed against a shared backlog and transparent timesheets. Ideal when the product is still being discovered and you want to adapt the plan as you learn.

    Best for: Evolving scope, R&D and post-launch iterations

  • Team Augmentation

    Add one or more vetted developers to your existing team to close a skills gap or hit a deadline. They join your stand-ups and follow your engineering standards from day one.

    Best for: In-house teams that need extra capacity fast

FAQ

Frequently Asked Questions

Common questions about Saudi projects.

Do you integrate mada and Apple Pay in Saudi apps?

Yes. We integrate mada, Apple Pay, Visa and Mastercard through gateways such as HyperPay, Moyasar, PayTabs or Checkout.com, and add Tabby or Tamara instalments and SADAD where your business needs them. Your company holds the merchant account; we handle the technical integration and testing.

Can you integrate our system with ZATCA FATOORA?

Yes. We build Phase 2 integrations: UBL 2.1 XML invoices, cryptographic stamps, QR codes, device onboarding and the clearance (B2B) and reporting (B2C) APIs, tested in ZATCA's sandbox before go-live.

Is our app covered by the Saudi PDPL if your team is in Pakistan?

The PDPL applies to processing personal data of people in the Kingdom wherever it happens. When our team can access that data, the transfer rules apply, so we put Standard Contractual Clauses in place, minimise access to real data and support your record of processing and breach procedures.

Do you work on Saudi working days?

We share Monday to Thursday in full, from 7 AM to 4 PM Saudi time. Our office is closed on Sundays, so anything raised on a Sunday is handled first thing on Monday. For launches and critical systems we can agree an on-call arrangement.

Can you build an Arabic AI chatbot for our Saudi customers?

Yes. We build AI assistants that understand Saudi dialect, Modern Standard Arabic and English, answer from your own content and connect to WhatsApp, your website or app. They hand over to a human when needed and log conversations so you can improve answers over time.
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