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1<script type="application/ld+json">[{"@context":"https://schema.org","@type":"Blog","name":"Fintech Insights","description":"Discover the latest trends, updates, and insights from the world of fintech and digital payments. Learn from industry experts.","url":"https://www.amwal.tech/en/blog","publisher":{"@type":"Organization","name":"Amwal Tech","logo":{"@type":"ImageObject","url":"https://www.amwal.tech/logo.png"}}}]</script>
1<section class="bg-white px-3 pb-8 pt-24 sm:px-5 lg:pt-28"><div class="relative mx-auto max-w-[1560px] overflow-hidden rounded-[2rem] bg-[#efeee9] px-6 py-16 text-center sm:px-10 sm:py-24 lg:rounded-[3rem] lg:py-28"><div class="relative z-10 mx-auto flex max-w-4xl flex-col items-center"><div class="mb-7 inline-flex items-center gap-2 rounded-full border border-black/10 bg-white px-4 py-2 text-sm font-bold shadow-sm" style="opacity:0;transform:translateY(-12px)"><span class="flex items-center gap-2"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-sparkles h-4 w-4 text-primary-dark" aria-hidden="true"><path d="M11.017 2.814a1 1 0 0 1 1.966 0l1.051 5.558a2 2 0 0 0 1.594 1.594l5.558 1.051a1 1 0 0 1 0 1.966l-5.558 1.051a2 2 0 0 0-1.594 1.594l-1.051 5.558a1 1 0 0 1-1.966 0l-1.051-5.558a2 2 0 0 0-1.594-1.594l-5.558-1.051a1 1 0 0 1 0-1.966l5.558-1.051a2 2 0 0 0 1.594-1.594z"></path><path d="M20 2v4"></path><path d="M22 4h-4"></path><circle cx="4" cy="20" r="2"></circle></svg>Latest Insights</span></div><h1 class="text-5xl font-black leading-[0.96] tracking-[-0.055em] text-black sm:text-6xl lg:text-[5.5rem]">Fintech Insights</h1><p class="mx-auto mt-7 max-w-2xl text-lg font-medium leading-relaxed text-black/60 sm:text-xl">Discover the latest trends, updates, and insights from the world of fintech and digital payments. Learn from industry experts.</p></div><div aria-hidden="true" class="absolute -bottom-28 -end-16 h-64 w-64 rounded-full bg-primary/45 blur-3xl"></div></div></section><div class="mx-auto max-w-7xl px-5 py-20 sm:px-8 md:py-28"><div class="grid gap-8 lg:grid-cols-[minmax(0,1fr)_19rem]"><div class="space-y-8"><div class="grid gap-5"><article class="group relative grid overflow-hidden rounded-[2rem] border border-black/10 bg-[#efeee9] transition duration-300 hover:-translate-y-1 hover:border-black/20 md:grid-cols-[minmax(17rem,0.82fr)_1fr]" style="opacity:0;transform:translateY(20px)"><div class="relative min-h-64 overflow-hidden bg-[#f3eadf] md:min-h-[24rem]"><img alt="" loading="lazy" decoding="async" data-nimg="fill" class="object-cover transition duration-500 group-hover:scale-[1.02]" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes="(max-width: 768px) 100vw, 42vw" srcSet="/_next/image?url=%2Fblog%2Falinma-bank-partnership.png&amp;w=384&amp;q=75 384w, /_next/image?url=%2Fblog%2Falinma-bank-partnership.png&amp;w=640&amp;q=75 640w, /_next/image?url=%2Fblog%2Falinma-bank-partnership.png&amp;w=750&amp;q=75 750w, /_next/image?url=%2Fblog%2Falinma-bank-partnership.png&amp;w=828&amp;q=75 828w, /_next/image?url=%2Fblog%2Falinma-bank-partnership.png&amp;w=1080&amp;q=75 1080w, /_next/image?url=%2Fblog%2Falinma-bank-partnership.png&amp;w=1200&amp;q=75 1200w, /_next/image?url=%2Fblog%2Falinma-bank-partnership.png&amp;w=1920&amp;q=75 1920w, /_next/image?url=%2Fblog%2Falinma-bank-partnership.png&amp;w=2048&amp;q=75 2048w, /_next/image?url=%2Fblog%2Falinma-bank-partnership.png&amp;w=3840&amp;q=75 3840w" src="/_next/image?url=%2Fblog%2Falinma-bank-partnership.png&amp;w=3840&amp;q=75"/></div><div class="flex flex-col justify-between p-7 sm:p-9"><div><div class="flex items-center gap-3 mb-2 flex-wrap"><span class="flex items-center gap-1 rounded-full bg-black px-3 py-1.5 text-[10px] font-bold uppercase text-primary"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-megaphone w-3 h-3" aria-hidden="true"><path d="M11 6a13 13 0 0 0 8.4-2.8A1 1 0 0 1 21 4v12a1 1 0 0 1-1.6.8A13 13 0 0 0 11 14H5a2 2 0 0 1-2-2V8a2 2 0 0 1 2-2z"></path><path d="M6 14a12 12 0 0 0 2.4 7.2 2 2 0 0 0 3.2-2.4A8 8 0 0 1 10 14"></path><path d="M8 6v8"></path></svg>Announcement</span><time class="text-xs font-bold text-black/40" dateTime="Aug 27, 2026">Aug 27, 2026</time></div><h3 class="mb-4 text-3xl font-black leading-[1.05] tracking-[-0.035em] sm:text-4xl"><a class="before:absolute before:inset-0 focus:outline-none" href="/en/blog/alinma-bank-partnership">
1Amwal Tech Announces Strategic Partnership with Alinma Bank</a></h3><p class="line-clamp-3 font-medium leading-relaxed text-black/60">Alinma Bank joins Amwal’s growing bank network, expanding seamless credit card installments across participating merchants.</p></div><div class="mt-8 flex items-center gap-2 text-sm font-bold">Read Announcement<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-right w-4 h-4" aria-hidden="true"><path d="M5 12h14"></path><path d="m12 5 7 7-7 7"></path></svg></div></div></article><article class="group relative grid overflow-hidden rounded-[2rem] border border-black/10 bg-[#efeee9] transition duration-300 hover:-translate-y-1 hover:border-black/20 md:grid-cols-[minmax(17rem,0.82fr)_1fr]" style="opacity:0;transform:translateY(20px)"><div class="relative min-h-64 overflow-hidden bg-[#f3efe8] md:min-h-[24rem]"><img alt="" loading="lazy" decoding="async" data-nimg="fill" class="object-cover transition duration-500 group-hover:scale-[1.02]" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes="(max-width: 768px) 100vw, 42vw" srcSet="/_next/image?url=%2Fblog%2Fsyarah-amwal-partnership.png&amp;w=384&amp;q=75 384w, /_next/image?url=%2Fblog%2Fsyarah-amwal-partnership.png&amp;w=640&amp;q=75 640w, /_next/image?url=%2Fblog%2Fsyarah-amwal-partnership.png&amp;w=750&amp;q=75 750w, /_next/image?url=%2Fblog%2Fsyarah-amwal-partnership.png&amp;w=828&amp;q=75 828w, /_next/image?url=%2Fblog%2Fsyarah-amwal-partnership.png&amp;w=1080&amp;q=75 1080w, /_next/image?url=%2Fblog%2Fsyarah-amwal-partnership.png&amp;w=1200&amp;q=75 1200w, /_next/image?url=%2Fblog%2Fsyarah-amwal-partnership.png&amp;w=1920&amp;q=75 1920w, /_next/image?url=%2Fblog%2Fsyarah-amwal-partnership.png&amp;w=2048&amp;q=75 2048w, /_next/image?url=%2Fblog%2Fsyarah-amwal-partnership.png&amp;w=3840&amp;q=75 3840w" src="/_next/image?url=%2Fblog%2Fsyarah-amwal-partnership.png&amp;w=3840&amp;q=75"/></div><div class="flex flex-col justify-between p-7 sm:p-9"><div><div class="flex items-center gap-3 mb-2 flex-wrap"><span class="flex items-center gap-1 rounded-full bg-black px-3 py-1.5 text-[10px] font-bold uppercase text-primary"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-megaphone w-3 h-3" aria-hidden="true"><path d="M11 6a13 13 0 0 0 8.4-2.8A1 1 0 0 1 21 4v12a1 1 0 0 1-1.6.8A13 13 0 0 0 11 14H5a2 2 0 0 1-2-2V8a2 2 0 0 1 2-2z"></path><path d="M6 14a12 12 0 0 0 2.4 7.2 2 2 0 0 0 3.2-2.4A8 8 0 0 1 10 14"></path><path d="M8 6v8"></path></svg>Announcement</span><time class="text-xs font-bold text-black/40" dateTime="May 5, 2026">May 5, 2026</time></div><h3 class="mb-4 text-3xl font-black leading-[1.05] tracking-[-0.035em] sm:text-4xl"><a class="before:absolute before:inset-0 focus:outline-none" href="/en/blog/syarah-amwal-car-installments">Syarah and Amwal Enhance Flexibility in Car Purchasing Across Saudi Arabia</a></h3><p class="line-clamp-3 font-medium leading-relaxed text-black/60">Syarah and Amwal partner to let eligible customers purchase new and used cars with flexible credit card installments.</p></div><div class="mt-8 flex items-center gap-2 text-sm font-bold">Read Announcement<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-right w-4 h-4" aria-hidden="true"><path d="M5 12h14"></path><path d="m12 5 7 7-7 7"></path></svg></div></div></article><article class="group relative grid overflow-hidden rounded-[2rem] border border-black/10 bg-[#efeee9] transition duration-300 hover:-translate-y-1 hover:border-black/20 md:grid-cols-[minmax(17rem,0.82fr)_1fr]" style="opacity:0;transform:translateY(20px)"><div class="relative min-h-64 overflow-hidden bg-[#e7f2dc] md:min-
1h-[24rem]"><img alt="" loading="lazy" decoding="async" data-nimg="fill" class="object-cover transition duration-500 group-hover:scale-[1.02]" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes="(max-width: 768px) 100vw, 42vw" srcSet="/_next/image?url=%2Fblog%2Farabian-drive-banner.jpg&amp;w=384&amp;q=75 384w, /_next/image?url=%2Fblog%2Farabian-drive-banner.jpg&amp;w=640&amp;q=75 640w, /_next/image?url=%2Fblog%2Farabian-drive-banner.jpg&amp;w=750&amp;q=75 750w, /_next/image?url=%2Fblog%2Farabian-drive-banner.jpg&amp;w=828&amp;q=75 828w, /_next/image?url=%2Fblog%2Farabian-drive-banner.jpg&amp;w=1080&amp;q=75 1080w, /_next/image?url=%2Fblog%2Farabian-drive-banner.jpg&amp;w=1200&amp;q=75 1200w, /_next/image?url=%2Fblog%2Farabian-drive-banner.jpg&amp;w=1920&amp;q=75 1920w, /_next/image?url=%2Fblog%2Farabian-drive-banner.jpg&amp;w=2048&amp;q=75 2048w, /_next/image?url=%2Fblog%2Farabian-drive-banner.jpg&amp;w=3840&amp;q=75 3840w" src="/_next/image?url=%2Fblog%2Farabian-drive-banner.jpg&amp;w=3840&amp;q=75"/></div><div class="flex flex-col justify-between p-7 sm:p-9"><div><div class="flex items-center gap-3 mb-2 flex-wrap"><span class="flex items-center gap-1 rounded-full bg-black px-3 py-1.5 text-[10px] font-bold uppercase text-primary"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-megaphone w-3 h-3" aria-hidden="true"><path d="M11 6a13 13 0 0 0 8.4-2.8A1 1 0 0 1 21 4v12a1 1 0 0 1-1.6.8A13 13 0 0 0 11 14H5a2 2 0 0 1-2-2V8a2 2 0 0 1 2-2z"></path><path d="M6 14a12 12 0 0 0 2.4 7.2 2 2 0 0 0 3.2-2.4A8 8 0 0 1 10 14"></path><path d="M8 6v8"></path></svg>Announcement</span><time class="text-xs font-bold text-black/40" dateTime="Apr 13, 2026">Apr 13, 2026</time></div><h3 class="mb-4 text-3xl font-black leading-[1.05] tracking-[-0.035em] sm:text-4xl"><a class="before:absolute before:inset-0 focus:outline-none" href="/en/blog/arabian-drive-partnership">Arabian Drive Announces Partnership with Amwal for Credit Card Installments</a></h3><p class="line-clamp-3 font-medium leading-relaxed text-black/60">Arabian Drive and Amwal join forces to offer credit card holders a flexible installment option for up to 24 months, fully Sharia-compliant.</p></div><div class="mt-8 flex items-center gap-2 text-sm font-bold">Read Announcement<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-right w-4 h-4" aria-hidden="true"><path d="M5 12h14"></path><path d="m12 5 7 7-7 7"></path></svg></div></div></article><article class="group relative grid overflow-hidden rounded-[2rem] border border-black/10 bg-[#efeee9] transition duration-300 hover:-translate-y-1 hover:border-black/20 md:grid-cols-[minmax(17rem,0.82fr)_1fr]" style="opacity:0;transform:translateY(20px)"><div class="relative min-h-64 overflow-hidden bg-[#eef2f8] md:min-h-[24rem]"><img alt="" loading="lazy" decoding="async" data-nimg="fill" class="object-cover transition duration-500 group-hover:scale-[1.02]" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes="(max-width: 768px) 100vw, 42vw" srcSet="/_next/image?url=%2Fblog%2Falrajhi-bank-partnership.png&amp;w=384&amp;q=75 384w, /_next/image?url=%2Fblog%2Falrajhi-bank-partnership.png&amp;w=640&amp;q=75 640w, /_next/image?url=%2Fblog%2Falrajhi-bank-partnership.png&amp;w=750&amp;q=75 750w, /_next/image?url=%2Fblog%2Falrajhi-bank-partnership.png&amp;w=828&amp;q=75 828w, /_next/image?url=%2Fblog%2Falrajhi-bank-partnership.png&amp;w=1080&amp;q=75 1080w, /_next/image?url=%2Fblog%2Falrajhi-bank-partnership.png&amp;w=1200&amp;q=75 1200w, /_next/image?url=%2Fblog%2Falrajhi-bank-partnership.png&amp;w=1920&amp;q=75 1920w, /_next/image?url=%2Fblog%2Falrajhi-bank-partnership.png&amp;w=2048&amp;q=75 2048w, /_next/image?url=%2Fblog%2Falrajhi-bank-partnership.png&amp;w=3840&amp;q=75 3840w" src="/_next/image?url=%2Fblog%2Falrajhi-bank-partnership.png&amp;w=3840&amp;q=75"/></div><div class="flex flex-col justify-between p-7 sm:p-9"><div><div class="flex items-center gap-3 mb-2 flex-wrap"><span class="flex items-center gap-1 rounded-full bg-black px-3 py-1.5 text-[10px] font-bold uppercase text-primary"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-megaphone w-3 h-3" aria-hidden="true"><path d="M11 6a13 13 0 0 0 8.4-2.8A1 1 0 0 1 21 4v12a1 1 0 0 1-1.6.8A13 13 0 0 0 11 14H5a2 2 0 0 1-2-2V8a2 2 0 0 1 2-2z"></path><path d="M6 14a12 12 0 0 0 2.4 7.2 2 2 0 0 0 3.2-2.4A8 8 0 0 1 10 14"></path><path d="M8 6v8"></path></svg>Announcement</span><time class="text-xs font-bold text-black/40" dateTime="May 26, 2025">May 26, 2025</time></div><h3 class="mb-4 text-3xl font-black leading-[1.05] tracking-[-0.035em] sm:text-4xl"><a class="before:absolute before:inset-0 focus:outline-none" href="/en/blog/alrajhi-bank-partnership">Amwal Tech and Al Rajhi Bank Launch Automated Credit Card Installments</a></h3><p class="line-clamp-3 font-medium leading-relaxed text-black/60">A strategic partnership enabling Al Rajhi credit cardholders to convert purchases into flexible monthly installments directly at checkout.</p></div><div class="mt-8 flex items-center gap-2 text-sm font-bold">Read Announcement<svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-right w-4 h-4" aria-hidden="true"><path d="M5 12h14"></path><path d="m12 5 7 7-7 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1<div class="relative min-h-64 overflow-hidden bg-black md:min-h-[24rem]"><img alt="" loading="lazy" decoding="async" data-nimg="fill" class="object-cover transition duration-500 group-hover:scale-[1.02]" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes="(max-width: 768px) 100vw, 42vw" srcSet="/_next/image?url=%2Fblog%2Fsecure-embeddable-wallets-passkeys.png&amp;w=384&amp;q=75 384w, /_next/image?url=%2Fblog%2Fsecure-embeddable-wallets-passkeys.png&amp;w=640&amp;q=75 640w, /_next/image?url=%2Fblog%2Fsecure-embeddable-wallets-passkeys.png&amp;w=750&amp;q=75 750w, /_next/image?url=%2Fblog%2Fsecure-embeddable-wallets-passkeys.png&amp;w=828&amp;q=75 828w, /_next/image?url=%2Fblog%2Fsecure-embeddable-wallets-passkeys.png&amp;w=1080&amp;q=75 1080w, /_next/image?url=%2Fblog%2Fsecure-embeddable-wallets-passkeys.png&amp;w=1200&amp;q=75 1200w, /_next/image?url=%2Fblog%2Fsecure-embeddable-wallets-passkeys.png&amp;w=1920&amp;q=75 1920w, /_next/image?url=%2Fblog%2Fsecure-embeddable-wallets-passkeys.png&amp;w=2048&amp;q=75 2048w, /_next/image?url=%2Fblog%2Fsecure-embeddable-wallets-passkeys.png&amp;w=3840&amp;q=75 3840w" src="/_next/image?url=%2Fblog%2Fsecure-embeddable-wallets-passkeys.png&amp;w=3840&amp;q=75"/></div><div class="flex flex-col justify-between p-7 sm:p-9"><div><div class="flex items-center gap-3 mb-2 flex-wrap"><span class="rounded-full bg-black px-3 py-1.5 text-[10px] font-bold uppercase text-white">Security &amp; 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2ith fully clear and transparent payments, with no additional fees, processing charges, or interest.\"},\"sharia\":{\"title\":\"Sharia-compliant\",\"description\":\"Fully aligned with Islamic finance principles — transparent, and with no additional interest or charges.\",\"badge\":\"Certified\"},\"rewards\":{\"title\":\"Earn Rewards\",\"description\":\"Get Mokafaa points with every purchase. More purchases, more rewards.\",\"learnMore\":\"Learn More\"},\"aria\":{\"section\":\"Consumer Benefits Section\",\"header\":\"Benefits Header\",\"split12\":\"Benefit: Split 12\",\"sharia\":\"Benefit: Sharia Compliant\",\"rewards\":\"Benefit: Rewards\",\"learnMoreRewards\":\"Learn more about rewards\"}},\"eligibility\":{\"eyebrow\":\"No paperwork. No new account.\",\"title\":\"Two simple requirements\",\"available\":\"Available Now\",\"comingSoon\":\"Coming Soon\",\"req1\":{\"title\":\"A credit card from a partner bank\",\"subtitle\":\"Choose your credit card from one of the supported banks.\",\"banks\":{\"rajhi\":\"Al Rajhi Bank\",\"snb\":\"SNB (AlAhli)\",\"alinma\":\"Alinma Bank\",\"riyad\":\"Riyad Bank\"}},\"req2\":{\"title\":\"Make sure your credit limit covers the purchase\",\"desc\":\"The full purchase amount must be available within your credit limit, then you can split it into monthly installments.\",\"descPart1\":\"The full amount must be within your \",\"descBold\":\"current credit limit\",\"descPart2\":\" — your bank holds it upfront, then bills monthly.\"},\"aria\":{\"section\":\"Eligibility Section\",\"video\":\"Eligibility explanation video\"}},\"howItWorks\":{\"title\":\"How It Works\",\"step1\":{\"name\":\"Step 1\",\"title\":\"Select Amwal at Checkout\",\"description\":\"At checkout, choose 'Credit Card Installments' or 'Split with your credit card' through Amwal, or ask the cashier.\"},\"step2\":{\"name\":\"Step 2\",\"title\":\"Pay With Your Credit Card\",\"description\":\"Select your bank and preferred installment plan. Complete the payment using Apple Pay or your bank credit card.\"},\"step3\":{\"name\":\"Step 3\",\"title\":\"Pay Monthly \u0026 Earn Rewards.\",\"description\":\"Your bank will place a hold on the full amount, and when approved, it will be converted to an installment plan. Enjoy points, miles and rewards!\"},\"learnMore\":\"Learn how it works in detail\",\"aria\":{\"section\":\"How It Works Section\",\"header\":\"How It Works Header\",\"steps\":\"How It Works Steps\",\"stepsList\":\"Steps List\",\"step1\":\"How to Choose Your Plan\",\"step2\":\"How to Get Instant Approval\",\"step3\":\"How to Shop and Enjoy\"}},\"partners\":{\"title\":\"Trusted by Saudi's Favorite Brands\",\"aria\":{\"section\":\"Partners Section\",\"partnersList\":\"Partners List\"},\"viewOffers\":\"Find Where to Shop\",\"becomePartner\":\"Become a Partner\"},\"faq\":{\"title\":\"Frequently Asked Questions\",\"items\":{\"0\":{\"question\":\"Are bank installment sharia compliant?\",\"answer\":\"Yes, all bank installments are compatible with the provisions of Islamic Sharia, where a commodity is bought and sold in the form of tawarruq or Murabha.\"},\"1\":{\"question\":\"How can I benefit from easy monthly installments using my credit card?\",\"answer\":\"When making a purchase from one of Amwal Tech's partner merchants, you can select 'Installment via Amwal Tech' on the payment page. Then, choose your credit card from the participating banks. Approval for the installment plan is instant—no waiting required!\"},\"2\":{\"question\":\"Which banks are partners?\",\"answer\":\"You can now pay in installments using your Al Rajhi Bank credit card. Soon, installment plans will also be available with the following partner banks: AlAhli Bank, Alinma Bank, Alawwal Bank\"},\"3\":{\"question\":\"What is the limit for the installment amount?\",\"answer\":\"Al Rajhi customers: up to your credit limit. SNB customers: SAR 100,000. Alinma customers: up to 90% of the issued credit limit.\"},\"4\":{\"question\":\"What are the costs?\",\"answer\":\"The easy monthly installment plan comes with no fees or interest, meaning you won't pay any additional charges or interest.\"},\"5\":{\"question\":\"What are the conditions for using the credit card installment service?\",\"answer\":\"You must have a credit card issued by one of the approved banks and sufficient credit limit to cover the purchase amount before completing the transaction.\"},\"6\":{\"question\":\"Does the full product amount need to be available on the credit card?\",\"answer\":\"Yes, the full amount must be available on your credit card, as the bank will initially hold the full amount and then convert it into 
2installments. You will repay the amount in installments without any fees or interest.\"},\"7\":{\"question\":\"What are the benefits of the credit card installment service with Amwal?\",\"answer\":\"Installments offer financial flexibility, allowing you to shop now and pay later with easy monthly payments, a longer repayment period of up to 12 months, and a higher purchasing limit.\"},\"8\":{\"question\":\"Can I use prepaid cards or cash on delivery to benefit from the installment program?\",\"answer\":\"No, unfortunately! The easy monthly installment plan is only available for credit cards issued by partner banks.\"}},\"question1\":{\"question\":\"What Makes Amwal Unique?\",\"answer\":{\"point1-title\":\"0% Fees and Interest:\",\"point1-desc\":\"Pay the full purchase amount in installments without any additional charges.\",\"point2-title\":\"Instant Approval:\",\"point2-desc\":\"Your installment plan is confirmed immediately at checkout\",\"point3-title\":\"Sharia-compliant:\",\"point3-desc\":\"A fully ethical, interest-free payment solution you can trust.\",\"point4-title\":\"Seamless with Your Credit Card:\",\"point4-desc\":\"No registration, paperwork, or separate financing needed—simply select installments at checkout.\",\"point5-title\":\"+Card Benefits\",\"point5-desc\":\"Continue earning your credit card rewards, points, and miles while using the installment service.\",\"cta\":\"Shop now!\"}}
2,\"question2\":{\"question\":\"Are bank installment sharia compliant?\",\"answer\":\"Yes, all bank installment plans comply with Islamic Sharia principles. Commodities are bought through tawarruq or Murabaha and are officially certified by the Saudi Central Bank SAMA to ensure full Sharia compliance.\"},\"question3\":{\"question\":\"Are there any fees or interest?\",\"answer\":{\"reg\":\"All Amwal bank installments plans carries zero interest.\",\"bold\":\"For particular merchants or items, a fixed Murabaha fee may apply and will be shown before you confirm. Your bank adds no additional fees.\"}},\"question4\":{\"question\":\"How To purchase using Amwal’s Bank installment service?\",\"answer\":{\"part1\":\"Amwal Tech allows you to flip your purchases to monthly installments using your credit card at any of our partner merchants:\",\"part2\":\"Online Purchases:\",\"part3\":\"At the checkout page, select\",\"part4\":\" “Bank Installments” \",\"part5\":\"and choose your credit card from the Partnering banks.\",\"part6\":\"In-Store / Offline Purchases:\",\"part7\":\"Inform the cashier that you wish to pay via \",\"part8\":\"Amwal Tech installments.\",\"part9\":\"The cashier will send an SMS to your Phone number with a secure payment link, allowing you to complete your purchase in monthly installments.\",\"cta\":\"Shop now!\"}}
2,\"question5\":{\"question\":\"Where can I use Amwal?\",\"answer\":{\"text\":\"Amwal is available across a wide and growing network of leading online and in-store retailers in Saudi Arabia — from electronics and home stores to fashion, beauty, and lifestyle brands.\",\"link\":\"Here is the full list of merchants using Amwal\"}},\"question6\":{\"question\":\"Why do you hold the money?\",\"answer\":{\"part1\":\"We don’t hold your money. Your bank temporarily places a hold on the full purchase amount, then converts it into monthly installments.\",\"part2\":\"Banks require this so you can split the payment without a new credit line or a SIMAH check.\",\"part3\":\"Amwal only enables the installment option at checkout.\"}},\"question7\":{\"question\":\"What is the limit for the installment amount?\",\"answer\":{\"part1\":\"Al Rajhi customers:\",\"part2\":\"Up to your credit limit.\",\"part3\":\"SNB customers: SAR 100,000.\",\"part4\":\"Alinma customers:\",\"part5\":\"Up to 90% of the issued credit limit.\"}},\"question8\":{\"question\":\"What are the conditions for using the credit card installment service?\",\"answer\":{\"part1\":\"You must have \",\"part2\":\"a credit card issued by the partnering banks\",\"part3\":\"and\",\"part4\":\"sufficient credit limit\",\"part5\":\"to cover the purchase amount before completing the transaction.\"}},\"question9\":{\"question\":\"Does the full product amount need to be available on the credit card?\",\"answer\":{\"part1\":\"Yes,\",\"part2\":\"the full amount must be available on your credit card\",\"part3\":\" as the bank will initially hold the full amount and then convert it into installments. You will repay the amount in installments without any fees or interest.\"}},\"question10\":{\"question\":\"What are the benefits of the credit card installment service with Amwal?\",\"answer\":{\"part1\":\"Amwal lets you split purchases at \",\"part2\":\"your favorite stores \",\"part3\":\"in a \",\"part4\":\"safe, transparent way \",\"part5\":\"using your existing credit card.\",\"part6\":\"You get \",\"part7\":\"instant approval \",\"part8\":\"with \",\"part9\":\"no extra fees or risks,\",\"part10\":\"because everything happens within your\",\"part11\":\"pre-approved credit limit.\",\"part12\":\"And you keep earning your card’s\",\"part13\":\"rewards, points, and miles\",\"part14\"
2:\"while paying over up to\",\"part15\":\"24 months. \",\"cta\":\"Shop now!\"}},\"question11\":{\"question\":\"Can I use Mada, prepaid cards, or cash on delivery to benefit from the installment program?\",\"answer\":\"Unfortunately, Amwal’s Bank Installments Service is only available for credit cards issued by partner banks.\"},\"question12\":{\"question\":\"Which Banks Are Partnering with Amwal for Installments?\",\"answer\":{\"part1\":\"Installment payments are currently available with\",\"part2\":\"Al Rajhi Bank, \",\"part3\":\"\",\"part4\":\"SNB, and Alinma Bank \",\"part5\":\"credit cards. Soon, the service will be available with the other banks.  \"}},\"otherQuestions\":\"Do you have more questions?\",\"contactUs\":\"Contact Us\"},\"topDeals\":{\"titleLine1\":\"Top\",\"titleLine2\":\"Deals\",\"deals\":{\"syarah\":{\"discount\":\"24 months\"},\"ikea\":{\"discount\":\"12 months\"},\"almatar\":{\"discount\":\"12 months\"}},\"upTo\":\"Installment plan up to\",\"getDeal\":\"Get deal\",\"modal\":{\"headline\":\"0% Interest, 0% Fees — Up to 6 Months\",\"subheadline\":\"Plans available for up to 24 months.\",\"shopCta\":\"Shop Now\",\"howToPayTitle\":\"How to pay with Amwal\",\"step1\":\"Select Amwal at checkout.\",\"step2\":\"Select your bank and preferred installment plan\",\"step3\":\"Complete the payment using your bank's credit card\",\"step4\":\"Your full purchase amount must be available within your card's credit limit.\",\"step4Warning\":\"If not, do NOT transfer money to your card. Instead, you have two options:\",\"optionA\":{\"title\":\"Pay a Down Payment\",\"description\":\"Pay the 500 SAR refundable deposit through the merchant's app or website, then inform the team of your available credit limit. They will send you an Amwal payment link for the requested amount.\"},\"optionB\":{\"title\":\"Request a Temporary Limit Increase\",\"description\":\"Log in to your bank's mobile app and request a temporary credit limit increase to cover your purchase amount. Most Saudi banks approve this instantly within the app.\"}},\"aria\":{\"section\":\"Top Deals Section\",\"navigation\":\"Deal Navigation\",\"prev\":\"Previous deals\",\"next\":\"Next deals\",\"dealsList\":\"Deals List\",\"dealCard\":\"{brand} deal\",\"modal\":\"{brand} deal details\",\"closeModal\":\"Close modal\"}},\"paymentMethods\":{\"title\":\"Pick how you pay\",\"description\":\"One Amwal plan, wherever you shop — pay the way that suits the moment.\",\"methods\":{\"checkout\":{\"title\":\"Online Checkout\",\"description\":\"Choose Amwal at checkout on your favorite stores and split the cost over 3–24 months.\"},\"pos\":{\"title\":\"In-Store POS\",\"description\":\"Ask cashier for AMWAL, and pay using SMS payment link\"},\"applePay\":{\"title\":\"Apple Pay\",\"description\":\"Select Apple Pay at the Amwal checkout, and split the purchase in two clicks\",\"learnMore\":\"Learn how Apple Pay installments work\"}},\"aria\":{\"section\":\"How to Pay Section\",\"checkout\":\"Online Checkout\",\"pos\":\"In-Store POS\",\"applePay\":\"Apple Pay\"}}},\"merchants\":{\"hero\":{\"badge\":\"For Businesses\",\"title\":\"Increase Sales\",\"subtitle\":\"and Acquire New Customers\",\"description\":\"Boost your sales with seamless payments, and flexible installment options your customers already prefer – with instant settlements to you\",\"noFees\":\"No Fees\",\"noLimits\":\"No Limits\",\"shariahCompliant\":\"Shariah-Compl
2iant\",\"cta1\":\"Get Started\",\"cta2\":\"Book a Demo\",\"stats\":{\"approval\":{\"value\":\"+95%\",\"label\":\"Approval Rate\"},\"abandonment\":{\"value\":\"–25%\",\"label\":\"Cart Abandonment\"},\"sales\":{\"value\":\"+12%\",\"label\":\"Increase in Sales\"}}}},\"merchant\":{\"hero\":{\"title\":\"Boost Sales with\",\"titleHighlight\":\"Buy Now Pay Later\",\"subtitle\":\"Flexible Payment Solutions\",\"description\":\"Offer flexible payment options to your customers. Get paid upfront while customers pay in installments—we handle all the risk. Increase your average order value and reduce cart abandonment today.\",\"startNow\":\"Start Now\",\"howItWorks\":\"How It Works\",\"noRisk\":\"Zero risk. Instant payouts.\",\"cta1\":\"Start Now\",\"cta2\":\"How It Works\",\"stats\":{\"approval\":{\"value\":\"95%\",\"label\":\"Approval Rate\"},\"abandonment\":{\"value\":\"-28%\",\"label\":\"Cart Abandonment\"},\"sales\":{\"value\":\"+35%\",\"label\":\"Increase in Sales\"}}},\"phoneAnimation\":{\"price\":\"ر.س 1,200.00\",\"paymentSchedule\":\"Payment Schedule\",\"months\":\"12 Months\",\"holdNow\":\"Hold Now\",\"priceShort\":\"ر.س 1,200\",\"payment1\":\"Payment 1\",\"in45Days\":\"In 45 Days\",\"installment\":\"ر.س 100\",\"payment2\":\"Payment 2\",\"in75Days\":\"In 75 Days\",\"remaining\":\"Remaining\",\"monthly\":\"Monthly\",\"remainingAmount\":\"ر.س 1,000\",\"mokafaa\":\"Mokafaa\",\"points\":\"5,000\",\"pointsEarned\":\"Points Earned\",\"securePayment\":\"Secure Payment via Amwal\",\"moneyFromPoints\":\"Worth SAR 50\"},\"stats\":{\"sales\":\"Higher Sales\",\"salesDesc\":\"Easy installments push more customers to complete their purchase, giving a clear uplift in sales\",\"cart\":\"Higher Basket Size\",\"cartDesc\":\"Customers confidently add more items or choose better models when they can split the payment monthly\",\"customers\":\"More New Customers\",\"customersDesc\":\"Installments attract buyers who were dropping off because of full upfront payment — turning them into real customers\",\"customersCount\":\"+1M Customers\",\"freeMarketing\":\"+Free Marketing for You\",\"freeMarketingDesc\":\"Your target audience is already our customer base. An opportunity to be exposed to +1 Mn high-intent shoppers across our marketing — from discount pages, social campaigns, and emails and co-marketing campaigns with banks — all free of charge!\"},\"benefits\":{\"revenueTitle\":\"Monthly Revenue\",\"justNow\":\"Just Now\",\"payout\":\"Payout: SAR 1,250\",\"title\":\"Merchant Portal\",\"subtitle\":\"Everything You Need in One Place\",\"description\":\"Track your sales, settlements, and performance in real time through a clean, intuitive dashboard. Manage refunds, monitor installment activity and access all your insights instantly..\",\"badge\":\"Our team is ready to help\",\"badgeCTA\":\"Contact Support\",\"listTitle1\":\"More sales \",\"listTitle2\":\"with the best installment solution for your customers:\",\"benefit1\":\"Shariah Compliant\",\"benefit2\":\"No Fees or Interest\",\"benefit3\":\"Instant Approval\",\"benefit4\":\"Points, rewards, and miles on every transaction\",\"portal\":{\"title\":\"AMWAL PORTAL\",\"nav\":{\"overview\":\"Overview\",\"orders\":\"Orders\",\"customers\":\"Customers\",\"settings\":\"Settings\"},\"searchPlaceholder\":\"Search...\",\"recentOrders\":\"Recent Orders\",\"orderStatus\":{\"paid\":\"PAID\"}},\"cta\":{\"button1\":\"Book a Demo\"}},\"partners\":{\"title\":\"Trusted by Leading Partners\",\"seeMore\":\"All  Partners\",\"partnersList\":\"Partners List\"},\"inPerson\":{\"scanToPay\":\"Scan to Pay\",\"title\":\"In-Store Payments Too\",\"description\":\"Offer installment plans at your physical stores with our QR code solution. Quick, seamless, and secure.\",\"startNow\":\"Start Now\",\"learnMore\":\"Learn more about intergration\"},\"faq\":{\"title\":\"Common Questions\",\"items\":{\"0\":{\"question\":\"Are bank installment sharia compliant?\",\"answer\":\"Yes, all bank installments are compatible with the provisions of Islamic Sharia, where a commodity is bought and sold in the form of tawarruq or Murabha.\"},\"1\":{\"question\":\"Which banks are partners?\",\"answer\":\"You can now pay in installments using your Al Rajhi Bank credit card. Soon, installment plans will also be available with the following partner banks: AlAhli Bank, Alinma Bank, Alawwal Bank\"},\"2\":{\"question\":\"What are the benefits of the credit card installment service with Amwal?\",\"answer\":\"Installments offer financial flexibility, allowing you to shop now and pay later with easy monthly payments, a longer repayment period of up to 12 months, and a higher purchasing limit.\"},\"3\":{\"question\":\"Do merchants need to sign an agreement with the partnering Banks?\",\"answer\":\"No, we handle all agreements and eligibility conditions so that we display the best options to your customers.\"},\"4\":{\"question\":\"When do merchants receive their payments?\",\"answer\":\"You get paid upfront, 100% of the purchase amount. Money is transferred in 2-7 days according to your agreement with Amwal.\"},\"5\":{\"question\":\"How do I enable bank installment through Amwal?\",\"answer\":\"We automatically enable it for your customers when they are buying an eligible order, using an eligible credit cards. Make sure you use the latest release or contact customer support.\"},\"6\":{\"question\":\"Can I have other Pay later options enabled on my store?\",\"answer\":\"Certainly, our button works in parallel with other payment flows.\"}},\"question1\":{\"question\":\"What Makes Amwal Unique?\",\"answer\":{\"title\":\"Amwal allows your customers to 
2split their purchases with:\",\"point1-title\":\"0% Fees and Interest:\",\"point1-desc\":\"Your customers can split their purchases with no extra cost, helping increase sales and order value.\",\"point2-title\":\"Instant Approval:\",\"point2-desc\":\"Installments are confirmed on the spot, which reduces drop-offs at checkout.\",\"point3-title\":\"Sharia-compliant\",\"point3-desc\":\"An interest-free payment option that aligns with customer expectations in Saudi. \",\"point4-title\":\"Uses the customer’s credit card:\",\"point4-desc\":\" No signup or paperwork — customers pay in installments using the card they already have.\",\"point5-title\":\"Keeps card rewards:\",\"point5-desc\":\"Customers continue earning their points, miles, and cashback, making it easier for them to choose installments.\",\"cta\":\"Request a demo!\"}},\"question2\":{\"question\":\"Are bank installment sharia compliant?\",\"answer\":\"Yes, all bank installment plans comply with Islamic Sharia principles. Commodities are bought through tawarruq or Murabaha and are officially certified by the Saudi Central Bank SAMA to ensure full Sharia compliance.\"},\"question3\":{\"question\":\"How can I enable bank installments through Amwal in my store?\",\"answer\":{\"part1\":\"Upon signing up with Amwal,\",\"part2\":\"Integration credentials will be available via the Amwal dashboard, enabling you to go live seamlessly.\",\"part3\":\"Once integrated, Amwal installments option will be available at your checkout. \",\"cta\":\"Request a demo!\"}},\"question4\":{\"question\":\"How long does it take to integrate Amwal?\",\"answer\":{\"part1\":\"Amwal’s team is ready to support your integration across all sales channels. Enabling Amwal in \",\"part2\":\"offline stores typically takes 2–4 days,\",\"part3\":\" while\",\"part4\":\" online integration usually takes 1–2 weeks, \",\"part5\":\"depending on your technical setup.\",\"cta\":\"Request a demo!\"}},\"question5\":{\"question\":\"What are the benefits of the credit card installment service with Amwal?\",\"answer\":{\"part1\":\"Amwal lets customers split their purchases directly at checkout in a safe and transparent way using their existing credit cards.\",\"part2\":\"They get \",\"part3\":\"instant approval with no extra fees or risks,\",\"part4\":\"since everything happens within their\",\"part5\":\"pre-approved credit limit.\",\"part6\":\"Customers also continue earning their\",\"part7\":\" card rewards, points, and miles\",\"part8\":\" while paying over flexible plans of up to\",\"part9\":\"24 months.\"}},\"question6\":{\"question\":\"Do merchants need to sign an agreement with the partnering Banks? \",\"answer\":\" No, Amwal manages all agreements and eligibility conditions on behalf of merchants.\"},\"question7\":{\"question\":\"When do merchants receive their payments? \",\"answer\":{\"part1\":\"Merchants receive\",\"part2\":\"100% of the purchase amount upfront after deducting service fees.\",\"part3\":\" Funds are transferred within\",\"part4\":\"2 to 7 days,\",\"part5\":\" depending on the terms of your agreement with Amwal.\"}},\"question8\":{\"question\":\"Why does the bank reserve the full purchase amount when a customer chooses installments?\",\"answer\":{\"part1\":\"Amwal does \",\"part2\":\"not \",\"part3\":\"hold or reserve any funds. The bank temporarily \",\"part4\":\"reserves the full purchase amount on the customer’s credit card limit \",\"part5\":\"to ensure instant approval and a smooth, fee-free installment plan. Each month, the bank \",\"part6\":\"releases a portion of the reserved amount \",\"part7\":\"and charges the customer’s installment. This process is handled entirely \",\"part8\":\"by the bank, \",\"part9\":\"while Amwal simply\",\"part10\":\"enables the installment option on your store’s checkout page.\"}},\"question9\":{\"question\":\"Can I have other Pay later options enabled on my store?\",\"answer\":\" Certainly, Amwal’s Installment button can be enabled in parallel with other payment providers\"},\"question10\":{\"question\":\"Which Banks Are Partnering with Amwal for Installments?\",\"answer\":{\"part1\":\"Installment payments are currently available with\",\"part2\":\"Al Rajhi Bank, \",\"part3\":\"\",\"part4\":\"SNB, and Alinma Bank \",\"part5\":\"credit cards. Soon, the service will be available with the other banks.  \"}},\"otherQuestions\":\"Do you have more questions?\",\"bookDemo\":\"Book a Demo\"},\"cta\":{\"title\":\"Ready to increase your sales and acquire more customers?\",\"description\":\"Join thousands of merchants already growing their business with Amwal installment solutions.\",\"startNow\":\"Start Now\",\"bookDemo\":\"Book a Demo\"},\"howItWorks\":{}},\"contact\":{\"badge\":\"Get in Touch\",\"title\":\"Let's Talk About\",\"titleHighlight\"
2:\"Your Business\",\"description\":\"Whether you're a merchant looking to integrate or a customer needing support, we're here to help.\",\"emailUs\":\"Email Us\",\"callUs\":\"Call Us\",\"hours\":\"Sun-Thu, 9am - 6pm AST\",\"hq\":\"Headquarters\",\"address1\":\"King Fahd Road, Olaya District\",\"address2\":\"Riyadh, Saudi Arabia\",\"formTitle\":\"Send us a Message\",\"firstName\":\"First Name\",\"lastName\":\"Last Name\",\"phone\":\"Phone Number\",\"workEmail\":\"Work Email\",\"companyName\":\"Company Name\",\"message\":\"Message\",\"submit\":\"Send Message\",\"sentTitle\":\"Message Sent!\",\"sentDesc\":\"We've received your message and will get back to you within 24 hours.\",\"sendAnother\":\"Send Another Message\",\"hero\":{\"badge\":\"We're All Ears\",\"title\":\"Contact  Us\",\"description\":\"Got a question about your Amwal? Found a bug? Or just want to say hi? We are all ears (and keyboards).\"},\"cards\":{\"support\":{\"title\":\"Merchant Support\",\"description\":\"Having trouble with a integration? Our support team is on standby.\",\"email\":\"[email protected]\"},\"general\":{\"badge\":\"Most Popular\",\"title\":\"Customer Support\",\"description\":\"Have a problem with a transaction? Need to learn more about Amwal?\",\"email\":\"[email protected]\",\"phone\":\"+966573737043\",\"whatsapp\":\"WhatsApp Us\",\"orLabel\":\"or reach us directly\",\"callLabel\":\"Call Us\"},\"visit\":{\"title\":\"General Inquiries\",\"description\":\"For partnerships, press, or just general feedback about Amwal.\",\"email\":\"[email protected]\"}},\"form\":{\"title\":\"Send a Message\",\"subtitle\":\"We usually respond within 24 hours.\",\"fields\":{\"name\":{\"label\":\"Name\",\"placeholder\":\"John Doe\"},\"email\":{\"label\":\"Email\",\"placeholder\":\"[email protected]\"},\"subject\":{\"label\":\"Subject\",\"options\":{\"general\":\"General Inquiry\",\"support\":\"Support Request\",\"feedback\":\"Feedback\",\"partnership\":\"Partnership\"}},\"message\":{\"label\":\"Message\",\"placeholder\":\"How can we help you today?\"}},\"submit\":\"Send Message\"},\"social\":{\"title\":\"Follow us on Social Media\"}},\"faq\":{\"hero\":{\"badge\":\"Help Center\",\"title\":\"Got Questions?\",\"description\":\"Everything you need to know about the product and billing. No jargon, just answers.\",\"searchPlaceholder\":\"Search for answers...\"},\"tabs\":{\"consumer\":\"Consumer\",\"merchant\":\"Merchant\"},\"cta\":{\"title\":\"Still scratching your head?\",\"description\":\"Can't find the answer you're looking for? Our team is faster than a cheetah on espresso.\",\"button\":\"CONTACT SUPPORT\"}},\"partners\":{\"hero\":{\"badge\":\"B2B \u0026 Affiliates\",\"title\":\"GROW\",\"titleHighlight\":\"TOGETHER.\",\"description\":\"Join the ecosystem that is rewriting the rules of engagement. We don't just sign contracts; we build empires.\",\"cta1\":\"BECOME A PARTNER\",\"cta2\":\"View Case Studies\"},\"whyPartner\":{\"title\":\"Why Us?\",\"scale\":{\"title\":\"Unmatched Scale\",\"description\":\"Access millions of active users who are ready to engage with your brand from day one.\"},\"collaboration\":{\"title\":\"True Collaboration\",\"description\":\"We dedicate a squad to your success. No tickets, no waiting. Just direct lines and results.\"},\"tech\":{\"title\":\"Trusted Tech\",\"description\":\"Our API is rock solid. Integrate in minutes and sleep soundly knowing we have 99.9% uptime.\"}},\"partnerTypes\":{\"heading\":{\"line1\":\"Who do we\",\"line2\":\"work with?\"},\"description\":\"Whether you are a multinational corporation or a garage startup, if you have ambition, we have a platform for you.\",\"retail\":{\"title\":\"Global Retailers\",\"description\":\"Expand your market reach.\"},\"fintech\":{\"title\":\"Fintech Startups\",\"description\":\"Leverage our banking rails.\"},\"influencers\":{\"title\":\"Influencers\",\"description\":\"Monetize your audience.\"},\"benefits\":{\"integration\":\"Integration API access\",\"comarketing\":\"Co-marketing opportunities\",\"revenue\":\"Revenue sharing models\",\"support\":\"24/7 Priority Support\"}},\"cta\":{\"title\":\"Ready to dominate?\",\"description\":\"Drop your details below and our partnership team will get back to you faster than you can say \\\"Deal\\\".\",\"form\":{\"companyName\":\"Company Name\",\"email\":\"Work Email\",\"goals\":\"Tell us about your goals...\",\"submit\":\"SUBMIT APPLICATION\"}}},\"about\":{\"heroTitle\":\"Building the Future of\",\"heroTitleHighlight\"
2:\"Financial Freedom\",\"heroDesc\":\"We're on a mission to make shopping accessible to everyone through flexible, Sharia-compliant payment solutions.\",\"missionTitle\":\"Our Mission\",\"missionDesc1\":\"At Amwal, we believe that everyone should have access to the products they need, when they need them. Our Buy Now, Pay Later platform bridges the gap between aspiration and affordability.\",\"missionDesc2\":\"We partner with leading Saudi banks to provide secure, transparent, and ethical installment solutions that benefit both shoppers and merchants.\",\"fastFacts\":\"Fast Facts\",\"fact1\":\"Founded in Saudi Arabia\",\"fact2\":\"1,000,000+ Active Users\",\"fact3\":\"500+ Merchant Partners\",\"licensedTitle\":\"Licensed \u0026 Compliant\",\"licensedDesc\":\"We maintain the highest standards of regulatory compliance and ethical business practices.\",\"samaTitle\":\"SAMA Licensed\",\"samaDesc\":\"Fully regulated by the Saudi Central Bank (SAMA), ensuring security and compliance with national payment standards.\",\"licenseLabel\":\"Verified\",\"shariaTitle\":\"Sharia Compliant\",\"shariaDesc\":\"Bank installments with credit cards are compliant with Sharia by either Twarruq or Murabha flows.\",\"shariaLabel\":\"Certified\",\"hero\":{\"badge\":\"Our Story\",\"title\":\"We are reshaping the\",\"titleHighlight\":\"Future of Embedded Finance\",\"description\":\"Driven by passion and powered by technology, we are building tools that empower everyone to achieve financial freedom.\"},\"infrastructure\":{\"banks\":\"Banks\",\"merchants\":\"Merchants\",\"description\":\"Amwal is the \u003chighlight\u003einfrastructure\u003c/highlight\u003e layer enabling banks to turn existing cards into programmable installment products across merchants and \u003chighlight\u003eacceptance channels\u003c/highlight\u003e.\"},\"patent\":{\"number\":\"U.S. Patent 12,388,646 B2\",\"title\":\"Patented security, built into Amwal\",\"description\":\"Amwal is proud to use its proprietary, patented authentication protocols to strengthen device and user identity flows across secure digital experiences.\",\"button\":\"Explore our security patent\"},\"missionValues\":{\"mission\":{\"title\":\"Our Mission\",\"description\":\"To simplify daily transactions and make rewarding experiences accessible to everyone, everywhere.\"},\"values\":{\"title\":\"Our Values\",\"description\":\"Customer obsession, radical transparency, and a commitment to continuous innovation define us.\"},\"impact\":{\"title\":\"Our Impact\",\"description\":\"Empowering millions of users to save more, earn more, and live better financial lives.\"}},\"team\":{\"title\":\"Meet The Minds\",\"subtitle\":\"The leaders driving our vision forward.\",\"members\":{\"0\":{\"name\":\"Dr. Mohamed Zaghoo\",\"role\":\"Chief Executive Officer\",\"bio\":\"Visionary leader  in fintech innovation.\"},\"1\":{\"name\":\"Dr. Sameh Galal\",\"role\":\"Chief Technology Officer\",\"bio\":\"Architecting scalable solutions for millions.\"},\"2\":{\"name\":\"Reda Reda\",\"role\":\"Chief Product Officer\",\"bio\":\"Obsessed with user experience and growth.\"}}},\"cta\":{\"title\":\"Want to build with us?\",\"description\":\"We are always looking for talented individuals to join our growing team.\",\"button\":\"Contact Us\"}},\"rewards\":{\"hero\":{\"badge\":\"New Features\",\"title\":\"Maximize Your\",\"titleHighlight\":\"Credit Card Rewards\",\"description\":\"Access 0% Bank installment offers with Amwal while automatically earning your rewards, miles, and cashback.\",\"getStarted\":\"Calculate Rewards\",\"viewOffers\":\"Browse Stores\",\"installmentsLabel\":\"Amwal installments\",\"months\":\"3–24 months\",\"zeroInterest\":\"0% interest\",\"keepEveryReward\":\"Keep every reward.\"},\"calculator\":{\"eyebrow\":\"Rewards estimator\",\"title\":\"Rewards Calculator\",\"subtitle\":\"Enter your card details to estimate the points, miles or cashback you can earn while paying monthly.\",\"detailsLabel\":\"Your card details\",\"cardBin\":\"Card Number (First 6 Digits)\",\"monthlySpend\":\" Spending (SAR)\",\"currencySymbol\":\"SAR\",\"enterDetails\":\"Enter your card details to see potential rewards\",\"notFound\":\"Card Not Found\",\"notFoundDesc\":\"We couldn't find rewards information for this card. Try another BIN.\",\"estEarnings\":\"Estimated Rewards\",\"earnRate\"
2:\"Earn Rate\",\"perSar\":\"per SAR\",\"milesPerSar\":\"miles per SAR\",\"moreQuestions\":\"Do you have more questions?\",\"contactUs\":\"Contact Us\"},\"offers\":{\"directoryLabel\":\"Where to shop\",\"title\":\"Store Directory\",\"subtitle\":\"Explore participating merchants and choose where to pay monthly with your credit card.\",\"storesAvailable\":\"stores available\",\"search_placeholder\":\"Search merchant name...\",\"no_results\":\"No partners found matching your criteria.\",\"page_of\":\"Page {current} of {total}\",\"payment_installment\":\"Installment\",\"payment_cash\":\"Cash\",\"location_online\":\"Online\",\"location_offline\":\"In-Store\",\"location_both\":\"Online \u0026 In-Store\",\"installmentRewards\":\"0% interest + card rewards\",\"installmentPlans\":\"Plans up to 24 months\",\"visitStore\":\"Visit {name}\",\"previousCategories\":\"Previous categories\",\"nextCategories\":\"Next categories\",\"previousPage\":\"Previous page\",\"nextPage\":\"Next page\",\"categories\":{\"All\":\"All\",\"Furniture\":\"Furniture\",\"Electronics\":\"Electronics\",\"Hardware\":\"Hardware\",\"Clinic\":\"Clinic\",\"Office\":\"Office\",\"GYM\":\"Gym\",\"Automotive\":\"Automotive\",\"Beauty \u0026 Health\":\"Beauty \u0026 Health\",\"Fashion\":\"Fashion\",\"Education\":\"Education\",\"Insurance Services\":\"Insurance\",\"Travel\":\"Travel\",\"Home\":\"Home\",\"Health\":\"Health\",\"sports\":\"Sports\",\"Appliances\":\"Appliances\",\"Furntiture\":\"Furniture\",\"Others\":\"Others\"}},\"seo\":{\"title\":\"Rewards \u0026 Offers | Amwal Tech\",\"description\":\"Calculate your credit card rewards and explore exclusive installment and cashback offers from top partners like SACO, Abyat, and more.\",\"og_title\":\"Maximize Your Spending with Amwal Rewards\",\"og_description\":\"Discover partners offering installments and cashback. Use our calculator to see how much you can earn.\",\"twitter_title\":\"Amwal Tech Rewards \u0026 Offers\",\"twitter_description\":\"Shop smart with Amwal. Calculate points and browse exclusive partner offers.\"}},\"docs\":{\"hero\":{\"badge\":\"Developer documentation\",\"title\":\"Build the Future of Payments\",\"description\":\"Complete documentation for integrating Amwal's frictionless checkout and payment solutions. Developer-first, secure, and scalable.\",\"cta\":\"Start Building\"},\"whyBuild\":{\"title\":\"Why Develop with Amwal?\",\"description\":\"We handle the complexity of banking rails so you can focus on shipping products.\",\"integration\":{\"title\":\"Lightning Fast\",\"desc\":\"Drop-in SDKs get you running in under 30 minutes.\"},\"security\":{\"title\":\"Bank-Grade Security\",\"desc\":\"PCI-DSS compliant vaults and tokenized transactions.\"},\"scale\":{\"title\":\"Infinite Scale\",\"desc\":\"Infrastructure designed to handle National Day and White Friday traffic.\"}},\"plugins\":{\"title\":\"Official Plugins\",\"description\":\"No code? No problem. Use our pre-built modules for major e-commerce platforms.\",\"explore\":\"Explore Docs\",\"shopify\":{\"title\":\"Shopify\",\"desc\":\"One-click checkout integration for your Shopify storefront.\"},\"magento\":{\"title\":\"Magento (Adobe)\",\"desc\":\"Enterprise-ready module for Adobe Commerce cloud.\"},\"woocommerce\":{\"title\":\"WooCommerce\",\"desc\":\"The highest rated payment plugin on the WP marketplace.\"}},\"tools\":{\"title\":\"Try Amwal\",\"description\":\"Experience our components and flows firsthand.\",\"explore\":\"Try it\",\"playground\":{\"title\":\"Playground\",\"desc\":\"Explore reusable UI components and design patterns used across amwal integrations\"},\"demo\":{\"title\":\"Demo\",\"desc\":\"Try Amwal's passkey login and checkout flow\"}},\"quickAccess\":{\"title\":\"Developer Resources\",\"description\":\"Complete documentation and integration guides.\",\"explore\":\"View Docs\",\"apiReference\":{\"title\":\"API Reference\",\"desc\":\"Comprehensive API documentation with endpoints, parameters, and response examples.\"},\"webView\":{\"title\":\"Web View Integration\",\"desc\":\"Integrate Amwal checkout seamlessly into your web and mobile applications.\"},\"pos\":{\"title\":\"Point of Sale (POS)\",\"desc\":\"Accept payments in-store with Amwal's point of sale solutions.\"}},\"contact\":{\"title\":\"Stuck? We're Here.\",\"description\":\"Our developer success team is composed of actual engineers.\",\"supportEmail\":\"[email protected]\",\"salesEmail\":\"[email protected]\",\"or\":\"or\"}},\"signup\":{\"branding\":{\"badge\":\"Join Amwal\",\"title1\":\"Build\",\"t
2itle2\":\"Faster.\",\"title3\":\"Scale\",\"title4\":\"Harder.\",\"testimonial\":{\"quote\":\"\\\"We switched to Amwal and our checkout conversion jumped by 40% overnight. It's not just a tool, it's a cheat code.\\\"\",\"initials\":\"JS\",\"name\":\"Jane Smith\",\"role\":\"CTO @ FinCorp\"}},\"form\":{\"title\":\"Create Account\",\"hasAccount\":\"Already a member?\",\"loginLink\":\"Log in here\",\"google\":\"Google\",\"github\":\"GitHub\",\"orEmail\":\"Or register with email\",\"fullName\":\"Full Name\",\"namePlaceholder\":\"John Doe\",\"workEmail\":\"Work Email\",\"emailPlaceholder\":\"[email protected]\",\"password\":\"Password\",\"passwordPlaceholder\":\"••••••••\",\"passwordHint\":\"Must be at least 8 characters\",\"agreePrefix\":\"I agree to the\",\"terms\":\"Terms of Service\",\"and\":\"and\",\"privacy\":\"Privacy Policy\",\"submit\":\"CREATE ACCOUNT\",\"footer\":\"© 2024 Amwal Tech. Secure \u0026 Encrypted.\"}},\"bookDemo\":{\"valueProp\":{\"badge\":\"For Enterprise\",\"title1\":\"See the\",\"title2\":\"Future of\",\"title3\":\"Payments.\",\"description\":\"Get a personalized walkthrough of Amwal's infrastructure tailored specifically to your business KPIs.\",\"expectTitle\":\"What to expect?\",\"expectations\":{\"deepDive\":\"Deep dive into API capabilities\",\"pricing\":\"Volume-based pricing strategy\",\"timeline\":\"Integration timeline estimation\"}},\"form\":{\"title\":\"Schedule Your Demo\",\"subtitle\":\"Let's ensure we make the most of our time together.\",\"nameLabel\":\"Who will we be speaking with? (Full Name)\",\"namePlaceholder\":\"Jane Smith\",\"emailLabel\":\"Where should we send the invite? (Work Email)\",\"emailPlaceholder\":\"[email protected]\",\"phoneLabel\":\"What is your contact number? (Phone)\",\"phonePlaceholder\":\"+966 50 123 4567\",\"phoneError\":\"Please enter a valid phone number with country code (e.g., +966501234567)\",\"companyLabel\":\"Which company do you represent?\",\"companyPlaceholder\":\"Acme Inc.\",\"jobTitleLabel\":\"What is your job title?\",\"jobTitlePlaceholder\":\"Head of Product\",\"objectiveLabel\":\"What is the main objective of this meeting?\",\"objectivePlaceholder\":\"Select a talking point...\",\"objectives\":{\"integration\":\"Technical Integration \u0026 API Docs\",\"pricing\":\"Enterprise Pricing \u0026 Contracts\",\"partnership\":\"Strategic Partnership\",\"general\":\"General Product Overview\"},\"submit\":\"BOOK DEMO SLOT\",\"submitting\":\"Submitting...\",\"successMessage\":\"Your demo request has been sent successfully! We'll contact you shortly.\",\"footer\":\"No commitment required. 30 Minutes.\"}},\"terms\":{\"navigation\":\"Navigation\",\"badge\":\"Legal \u0026 Compliance\",\"heading\":\"Terms \u0026 Conditions\",\"lastUpdated\":\"Last Updated: 1 May 2026\",\"tabs\":{\"customer\":\"Customer Terms\",\"merchant\":\"Merchant Terms\"},\"consumer\":{\"intro\":{\"title\":\"Terms \u0026 Conditions – Consumer\",\"tagline\":\"We value your trust and are committed to a clear, fair, and transparent experience\",\"content\":\"By using Amwal on the website/app or at checkout or any other Amwal services and products, you agree to the terms below:\"},\"offers\":{\"title\":\"Offers, Discounts \u0026 Marketing Communications\",\"b1\":\"All offers and discounts are provided directly by participating merchants.\",\"b2\":\"Any offers shown through Amwal communications (push, SMS, email, in-app, website banners, etc.) may vary by time, availability, eligibility, or merchant updates.\",\"b3\":\"The **accuracy, eligibility, availability, pricing, stock, fulfillment, and continuity of offers are the merchant's responsibility.**\",\"b4\":\"Discount values, product availability, and campaign dates may change at any time without prior notice.\",\"b5\":\"Amwal does not control, manage, or guarantee the continuation, accuracy, or availability of any offer.\"},\"installments\":{\"title\":\"Installments: Approval \u0026 Eligibility\",\"b1\":\"Installment plans are issued based on the customer's **credit card limit** at the time of purchase.\",\"b2\":\"To get approved by the issuing bank, the **full purchase amount must be available** on the customer's credit card.\",\"b3\":\"Approval, installment availability, and installment rules remain subject to the issuing bank's policies and checks.\"},\"authorization\":{\"title\":\"Authorization Hold \u0026 Conversion\",\"b1\":\"The bank may temporarily reserve (authorize) the **full amount** before converting it into monthly installments.\",\"b2\":\"Installment conversion timelines, posting, refund handling, and the release of authorized amounts are subject to the **issuing bank's policies,** and may vary from one bank to another.\"},\"returns\":{\"title\":\"Returns, Cancellations \u0026 Refunds\",\"b1\":\"Returned or canceled orders are processed in accordance with each merchant's **return policy** and the customer's **bank policies.**\",\"b2\":\"Refund timing, installment reversals, and releasing authorized amounts depend on the bank's processing timelines.\"},\"fees\":{\"title\":\"Fees \u0026 Charges\",\"b1\":\"**Credit card installments:** Amwal does **not** charge customers any fees or interest for using **credit card installment plans** through Amwal.\",\"b2\":\"**Other Amwal products/services:** Fees (if any) may apply depen
2ding on the specific product and the **lender/financing provider's** terms (including any third-party charges where applicable). You will always see the applicable terms and any fees (if any) before you proceed.\",\"b3\":\"The customer remains responsible for any **bank-specific fees** unrelated to Amwal (if applicable).\"},\"risk\":{\"title\":\"Risk, Security \u0026 Transaction Decisions\",\"b1\":\"Amwal **reserves the right to reject transactions that do not meet eligibility or risk requirements.**\",\"b2\":\"Amwal may restrict or block activity to protect customers, merchants, and the platform from fraud, abuse, or misuse.\"},\"availability\":{\"title\":\"Service Availability \u0026 Changes\",\"b1\":\"Amwal may **update, improve, suspend, or change parts of the service experience** from time to time to ensure quality and security.\",\"b2\":\"Some **features, offers, banks, or installment tenures may not be available for all users,** merchants, or transactions.\"},\"merchantProducts\":{\"title\":\"Merchant Products \u0026 Services\",\"b1\":\"Amwal provides the payment and installment experience only. Products, services, stock, pricing, descriptions, delivery, warranties, and after-sales service are the merchant's responsibility.\",\"b2\":\"Amwal **does not manufacture, own, sell, or guarantee any product or service** offered by merchants.\"},\"data\":{\"title\":\"Customer Information \u0026 Data Use\",\"b1\":\"By using Amwal, you agree that **relevant transaction and identification information may be collected, processed, and shared** with merchants, banks, payment partners, financing partners, and service providers as needed to complete the transaction, provide support, prevent fraud, and comply with legal or regulatory requirements. This is subject to Amwal's applicable privacy practices and policies.\"},\"technical\":{\"title\":\"Technical Issues \u0026 Transaction Errors\",\"b1\":\"From time to time, technical issues, delays, interruptions, duplicate transactions, or display errors may happen. Amwal reserves the right to investigate, correct, cancel, or adjust affected transactions where reasonably necessary, in coordination with the merchant, payment provider, or bank.\"},\"standard\":{\"title\":\"Standard Terms Apply\",\"b1\":\"Standard Amwal **Terms of Use** and **Installment Conditions** apply across all merchants, offers, and checkout experiences.\"},\"support\":{\"title\":\"Support\",\"content\":\"If you need help with an offer, payment status, or installment confirmation, contact us at:\"}},\"merchant\":{\"intro\":{\"title\":\"Terms \u0026 Conditions: Merchant\",\"tagline\":\"We value our partnership and are committed to a clear, fair, and transparent experience.\",\"content\":\"By integrating and using Amwal's services (on your website, app, subdomains, or point of sale), you agree to these Terms \u0026 Conditions, which form an integral part of your Merchant Service Agreement with Amwal. In the event of any conflict between these terms and the Service Agreement, the Service Agreement shall prevail.\"},\"definitions\":{\"title\":\"Definitions\",\"preamble\":\"The following terms have the meanings set out below:\",\"b1\":\"\\\"Amwal\\\" means Rasm Saraa for Information Technology (Amwal Tech), CR No. 4030574854, Jeddah, Saudi Arabia.\",\"b2\":\"\\\"Merchant\\\" means the entity whose details appear in the Merchant Service Agreement and who is party to these Terms.\",\"b3\":\"\\\"Service Agreement\\\" means the Credit Card Payments Installment Automation Agreement executed between Amwal and the Merchant.\",\"b4\":\"\\\"Transaction\\\" means any purchase made using Amwal's Payment Service through the Merchant's store, whether online or in-store.\",\"b5\":\"\\\"Service Fees\\\" means the fees payable by the Merchant to Amwal per Transaction, as set out in the fee schedule in the Service Agreement.\",\"b6\":\"\\\"Amwal's Payment Service\\\" means Amwal's proprietary service enabling credit card installment payments at the Merchant's checkout.\",\"b7\":\"\\\"Settlement\\\" means the transfer of Transaction proceeds to the Merchant's bank account, net of applicable fees and deductions.\",\"b8\":\"\\\"Chargeback\\\" means a reversal of a Transaction initiated by the card-issuing bank at the cardholder'
2s request.\",\"b9\":\"\\\"PCI-DSS\\\" means the Payment Card Industry Data Security Standard, as updated from time to time.\",\"b10\":\"\\\"SAMA\\\" means the Saudi Central Bank (Saudi Arabian Monetary Authority).\"},\"onboarding\":{\"title\":\"Merchant Onboarding \u0026 Eligibility\",\"b1\":\"All information provided to Amwal during onboarding, including commercial registration, VAT certificate, bank details, and signatory information, must be accurate, complete, and kept up to date throughout the term of the agreement.\",\"b2\":\"Merchants must hold all licences, permits, and regulatory approvals required to conduct their business and sell their products or services under applicable laws and regulations.\",\"b3\":\"Amwal reserves the right to approve, reject, or suspend any merchant account at its sole discretion, including where the merchant's products, services, or business practices are inconsistent with applicable laws, regulations, or Amwal's acceptable use policies.\",\"b4\":\"Any material change to the merchant's business (including change of ownership, legal structure, product or service category, or trading name) must be communicated to Amwal in writing within 14 days of such change.\",\"b5\":\"Amwal is not obliged to provide services until all required onboarding information has been submitted and verified to its satisfaction.\"},\"services\":{\"title\":\"Services\",\"b1\":\"Amwal shall provide the service of linking Amwal's Payment Service to the Merchant's store(s), enabling the Merchant's customers to choose to pay in installments at checkout, in accordance with the credit and installment limits of the customer's card and the policies of the card-issuing bank.\",\"b2\":\"Amwal shall process payments, collect funds, settle fees, and reconcile with banks in relation to Transactions, through its own systems and those of its contracted third-party service providers.\",\"b3\":\"Amwal shall provide the Merchant with access to the Merchant Portal to view Transactions, settlement reports, and related operational information.\",\"b4\":\"Amwal shall provide all necessary technical documentation to enable the Merchant's integration. Ongoing basic technical support is included; however, any additional or customised technical support may incur connection or integration fees, which will be communicated to the Merchant in writing prior to commencement.\",\"b5\":\"Amwal's obligation is limited to providing the payment and installment experience. Amwal does not manufacture, own, sell, or guarantee any product or service offered by the Merchant.\"},\"fees\":{\"title\":\"Service Fees \u0026 Billing\",\"b1\":\"Amwal shall be entitled to Service Fees for each completed Transaction at the rate specified in the Service Agreement. Fee rates may vary by installment tenure (e.g., 3, 6, 12, or 24 months) and are inclusive of payment processing fees (Visa / Mastercard) unless stated otherwise.\",\"b2\":\"Minimum transaction amounts eligible for installment conversion are determined by the card-issuing bank (e.g., SAR 300 for Al Rajhi Bank cards and SAR 1,000 for SNB cards). Transactions below the applicable minimum are not eligible for installment conversion.\",\"b3\":\"Service Fees are due on all successfully processed Transactions, including those subsequently refunded or subject to a Chargeback, as Amwal incurs irrecoverable bank and processing costs at the point of transaction.\",\"b4\":\"As an exception, where a Transaction is successfully authorized and completed but the card-issuing bank declines to convert it into an installment plan in accordance with the bank's own terms and conditions, only the payment processing fee will apply. The bank installment fee will be refunded to the Merchant in such cases.\",\"b5\":\"Amwal reserves the right to revise Service Fees, provided that it gives the Merchant at least 15 days' prior written notice before any increase takes effect. The Merchant may terminate the agreement in accordance with the termination provisions if it objects to such an increase.\",\"b6\":\"A complete and up-to-date fee schedule will be maintained and made available to the Merchant. No additional charges will be introduced without prior written approval from both parties.\"},\"settlement\":{\"title\":\"Settlement\",\"b1\":\"Settlements are processed on a weekly cycle, unless an alternative schedule has been mutually agreed in writing between Amwal and the Merchant.\",\"b2\":\"Settlement amounts are net of applicable Service Fees, Chargebacks, refunds, and any other confirmed amounts due to Amwal under the agreement.\",\"b3\":\"There are no standard reserve or holdback arrangements. Amwal will c
2ommunicate in writing if any reserve becomes necessary (e.g., due to elevated Chargeback risk), with reasonable advance notice.\",\"b4\":\"Amwal will provide the Merchant with a settlement summary and reconciliation details for each settlement cycle through the Merchant Portal.\"},\"refunds\":{\"title\":\"Refunds, Cancellations \u0026 Chargebacks\",\"b1\":\"Merchants are responsible for managing returns and cancellations in accordance with their published refund policy. Amwal will process refund instructions received from the Merchant in line with the applicable bank's processing timelines.\",\"b2\":\"Service Fees remain payable on refunded Transactions, as processing costs are incurred at the time of the original Transaction.\",\"b3\":\"In the event of a Chargeback, Amwal will notify the Merchant promptly and provide relevant Transaction details. The Merchant must cooperate and submit all requested supporting documentation (e.g., proof of delivery, order confirmation) within the timeframe specified by Amwal or the card scheme.\",\"b4\":\"Chargeback amounts confirmed against the Merchant will be deducted from the Merchant's settlement funds. Amwal will provide prior written notice and reasonable details before applying any such deduction.\",\"b5\":\"Merchants must maintain a Chargeback ratio within acceptable thresholds set by card schemes (Visa / Mastercard). Persistently high Chargeback ratios may result in additional fees, suspension, or termination at Amwal's discretion.\",\"b6\":\"Any disputes between the Merchant and its customers regarding products, delivery, quality, or service are the Merchant's sole responsibility. Amwal is not a party to such disputes and bears no liability in connection with them.\"},\"setoff\":{\"title\":\"Set-off \u0026 Deductions\",\"b1\":\"After giving written notice to the Merchant, Amwal may deduct, withhold, or offset any amounts due from the Merchant (including Service Fees, Chargeback amounts, bank-imposed penalties, fines, or any other confirmed outstanding amounts) from any settlement funds held or payable on behalf of the Merchant.\",\"b2\":\"Any deduction is limited to amounts that have been definitively determined to be due. Amwal will provide the Merchant with reasonable written details and justification before applying any deduction.\",\"b3\":\"Merchants may raise a written dispute regarding any deduction within 14 days of receiving notification. Disputed amounts will be reviewed and a response provided within a reasonable timeframe.\"},\"obligations\":{\"title\":\"Merchant Obligations\",\"b1\":\"Merchants must ensure all products and services offered through the Merchant's store are lawful, compliant with applicable regulations, and consistent with Amwal's acceptable use standards.\",\"b2\":\"Merchants must honor all Transactions processed through Amwal and must not refuse fulfillment on the basis of the customer's chosen payment method.\",\"b3\":\"Merchants are solely responsible for the accuracy of product descriptions, pricing, stock availability, delivery timelines, warranties, and all after-sales services.\",\"b4\":\"Merchants must comply with all applicable laws, card scheme rules, SAMA regulations, and any other regulations relevant to their business and to their use of Amwal's services.\",\"b5\":\"Merchants must maintain a VAT registration number (where required) and comply with all applicable tax obligations arising from their sales.\",\"b6\":\"Merchants must promptly report to Amwal any suspected fraud, security breach, data incident, or material issue affecting Transactions processed through Amwal's Payment Service.\"},\"prohibited\":{\"title\":\"Prohibited Activities\",\"preamble\":\"The following are strictly prohibited through Amwal's Payment Service:\",\"b1\":\"Goods or services that are prohibited under Saudi Arabian law, Islamic principles, or applicable regulations.\",\"b2\":\"Gambling, lottery, or any form of speculative financial products.\",\"b3\":\"Weapons, ammunition, or controlled substances.\",\"b4\":\"Counterfeit, pirated, or fraudulently misrepresented goods.\",\"b5\":\"Transactions designed to circumvent card scheme rules, regulatory requirements, or AML/CFT obligations.\",\"b6\":\"Any activity constituting money laundering, terrorist financing, or other financial crime.\",\"b7\":\"Splitting a single transaction into multiple smaller transactions to evade minimum transaction thresholds.\"},\"dataProtection\":{\"title\":\"Data Protection, Security \u0026 PCI-DSS Compliance\",\"b1\":\"Each party is independently responsible for maintaining appropriate data security standards within its own systems and for complying with applicable data protection laws, regulations, and SAMA requirements.\",\"b2\":\"Merchants must comply with the Payment Card Industry Data Security Standard (PCI-DSS) at all times in relation to the storage, processing, and transmission of cardholder data. Merchants must not store full card numbers, CVV/CVC codes, or magnetic stripe data beyond what is permitted under PCI-DSS.\",\"b3\":\"Transaction and customer data shared through Amwal's Payment Service must be used solely for the purposes of processing and fulfilling Transactions, providing customer support, and complying with legal requirements.\",\"b4\":\"Merchants must not disclose, sell, transfer, or misuse any customer data received through Amwal. Amwal is not liable for any data breach or unauthorized disclosure arising from the Merchant's own systems, personnel, or contractors.\",\"b5\":\"Amwal may collect, process, and share relevant transaction and merchant information with banks, card schemes, payment partners, and regulatory bodies as necessary to deliver the service and comply with legal obligations.\",\"b6\":\"Merchants must notify Amwal within 24 hours of becoming aware of any actual or suspected data breach affecting cardholder data or Transaction information processed through Amwal.\"},\"confidentiality\":{\"title\":\"Confidentiality\",\"b1\":\"Each party agrees to keep confidential all non-public information received from the other party in connection with these Terms and the Service Agreement (\\\"Confidential Information\\\"), including pricing, fee structures, technical integration details, and business data.\",\"b2\":\"Neither party shall disclose Confidential Information to any third party without the prior written consent of the disclosing party, except to employees, contractors, or advisors who need to know it for the purpose of performing their obligations and who are bound by equivalent confidentiality obligations.\",\"b3\":\"The confidentiality obligations do not apply to information that: (a) is or becomes publicly available through no fault of the receiving party; (b) was already known to the receiving party prior to disclosure; (c) is required to be disclosed by law, regulation, or court order (in which case the receiving party shall give reasonable prior notice to the disclosing party).\",\"b4\":\"Confidentiality obligations under this clause survive termination of the agreement for a period of 3 years.\"},\"intellectualProperty\":{\"title\":\"Intellectual Property \u0026 Brand Usage\",\"b1\":\"All intellectual property rights in Amwal's Payment Service, content, logos, trademarks, and trade names are the exclusive property of Amwal or its licensors. Nothing in these Terms grants the Merchant any rights to Amwal's intellectual property except as expressly stated.\",\"b2\":\"Merchants must not use, copy, modify, reproduce, or commercially exploit any of Amwal's intellectual property without prior written consent.\",\"b3\":\"Amwal may use the Merchant's name, trademarks, and logos solely to communicate that Amwal's services are available through the Merchant, for example in checkout flows, service listings, or standard partner communications. This constitutes standard service availability communication and does not require separate approval.\",\"b4\":\"Any material marketing or promotional campaign (beyond standard service availability communications) that references the other party, includes its trademarks, or could reasonably impact either party's brand requires prior written coordination and approval from both parties.\",\"b5\":\"Either party may withdraw consent to the use of its trademarks by written notice if such use causes or is reasonably likely to cause material harm to its reputation, regulatory standing, or customer trust.\"},\"suspension\":{\"title\":\"Suspension \u0026 Termination\",\"b1\":\"Either party may terminate the agreement by providing at least 30 days' prior written notice to the other party.\",\"b2\":\"Amwal will issue written notice with a clear justification before suspending or terminating a Merchant account due to a breach, allowing the Merchant a reasonable period of at least 15 days to remedy the issue.\",\"b3\":\"Immediate suspension or termination without prior notice may only be applied in cases of: (a) provision of false or fraudulent information; (b) confirmed fraud or financial crime; (c) a regulatory directive or requirement from SAMA or another authority; or (d) insolvency or cessation of business as a legal entity.\",\"b4\":\"Amwal may also suspend access to the Merchant Portal or pause settlement pending investigation of suspected fraud, Chargeback abuse, or regulatory non-compliance, with written notice provided as soon as reasonably practicable.\",\"b5\":\"Termination does not affect any outstanding rights, obligations, or liabilities accrued by either party prior to the termination date. Clauses related to confidentiality, indemnification, limitation of liability, intellectual property, and governing law survive termination.\",\"b6\":\"Upon termination, the Merchant must immediately cease to advertise or communicate its use of Amwal's services.\"},\"assignment\":{\"title\":\"Assignment\",\"b1\":\"Merchants may not assign, transfer, or delegate any rights or obligations under these Terms or the Service Agreement to any third party without Amwal's prior written consent.\",\"b2\":\"Amwal may assign certain rights or obligations to banks, licensed payment service providers, or affiliates where necessary for service continuity, regulatory compliance, or business restructuring. Any such assignment will not affect the Merchant's contractual rights, and Amwal will remain fully responsible for its obligations under the agreement.\"},\"liability\":{\"title\":\"Limitation of Liability\",\"b1\":\"Amwal's liability to the Merchant under or in connection with these Terms and the Service Agreement is limited, to the maximum extent permitted by applicable law, to the total Service Fees paid by the Merchant to Amwal in the 6 months immediately preceding the event giving rise to the claim.\",\"b2\":\"Neither party shall be liable to the other for any indirect, consequential, special, or punitive losses or damages, including loss of profits, loss of revenue, loss of data, or loss of goodwill, whether arising in contract, tort, or otherwise, even if advised of the possibility of such loss.\",\"b3\":\"Nothing in these Terms limits liability for: (a) death or personal injury caused by negligence; (b) fraud or fraudulent misrepresentation; or (c) any liability that cannot be excluded by law.\"},\"indemnification\":{\"title\":\"Indemnification\",\"b1\":\"The Merchant shall indemnify, defend, and hold harmless Amwal and its directors, employees, and agents from and against any claims, losses, damages, fines, penalties, regulatory actions, or legal costs arising from or in connection with: (a) the Merchant's breach of these Terms or the Service Agreement; (b) the Merchant's products, services, or business practices; (c) the Merchant's violation of applicable laws or card scheme rules; (d) any third-party claim arising from the Merchant's offers, advertisements, or customer disputes; or (e) any data breach arising from the Merchant's systems.\",\"b2\":\"Amwal shall indemnify the Merchant against any direct losses arising from Amwal's gross negligence or wilful misconduct in processing Transactions, subject to the limitation of liability set out in Clause 14.\"},\"forceMajeure\":{\"title\":\"Force Majeure\",\"b1\":\"Neither party shall be liable for any delay or failure to perform its obligations under these Terms to the extent that such delay or failure is caused by circumstances beyond its reasonable control, including acts of God, natural disasters, war, terrorism, government actions, regulatory directives, cyberattacks, telecommunications failures, or bank or card scheme outages (\\\"Force Majeure Event\\\").\",\"b2\":\"A party affected by a Force Majeure Event must notify the other party in writing as soon as reasonably practicable, describing the event and its expected duration.\",\"b3\":\"If a Force Majeure Event continues for more than 30 days, either party may terminate the agreement by written notice without liability, except for amounts already due and payable.\"},\"vat\":{\"title\":\"VAT \u0026 Tax Obligations\",\"b1\":\"Each party is solely responsible for its own tax obligations arising from its activities under these Terms and the Service Agreement, including VAT obligations under applicable Saudi Arabian law.\",\"b2\":\"Where VAT or any other applicable tax applies to Amwal's Service Fees, it will be itemized separately in the applicable invoice or settlement statement.\",\"b3\":\"Merchants are required to maintain a valid VAT registration number (where applicable) and to ensure that their sales and transactions through Amwal's Payment Service comply with applicable VAT and tax regulations.\"},\"nonExclusivity\":{\"title\":\"Non-Exclusivity\",\"b1\":\"These Terms and the Service Agreement do not create an exclusive arrangement between Amwal and the Merchant. Both parties remain free to enter into similar agreements with other providers or merchants, unless expressly agreed otherwise in writing.\"},\"compliance\":{\"title\":\"Compliance \u0026 Audit Rights\",\"b1\":\"Merchants must cooperate with Amwal's reasonable requests for information to verify compliance with these Terms, the Service Agreement, applicable laws, and card scheme rules.\",\"b2\":\"Amwal reserves the right, on reasonable written notice, to conduct or commission an audit of the Merchant's relevant records and processes to assess compliance with these Terms, including data security practices. Audits will be conducted at Amwal's cost unless material non-compliance is found, in which case the Merchant shall bear reasonable audit costs.\"},\"general\":{\"title\":\"General Provisions\",\"b1\":\"**Governing Law:** These Terms and the Service Agreement are governed by the laws and regulations of the Kingdom of Saudi Arabia. Any disputes shall first be subject to good faith amicable resolution within 15 days of written notice. If unresolved, disputes shall be referred to the competent judicial authorities in Riyadh, Saudi Arabia.\",\"b2\":\"**Language:** The Service Agreement has been drafted in both Arabic and English. In the event of any conflict or difference in interpretation, the Arabic text shall prevail.\",\"b3\":\"**Amendments:** Any amendment to these Terms will be communicated in writing. C
2ontinued use of Amwal's services following notice of an amendment constitutes acceptance of the revised terms.\",\"b4\":\"**Severability:** If any provision of these Terms is held to be illegal, invalid, or unenforceable, that provision shall be removed and the remaining provisions shall continue in full force and effect.\",\"b5\":\"**Waiver:** Amwal's failure to enforce any provision of these Terms at any time shall not constitute a waiver of that right.\",\"b6\":\"**Entire Agreement:** These Terms, together with the Service Agreement and any applicable fee schedule, constitute the entire agreement between the parties with respect to the subject matter hereof and supersede all prior agreements and understandings.\",\"b7\":\"**Survival:** The following clauses survive termination of the agreement: Definitions, Confidentiality, Intellectual Property, Limitation of Liability, Indemnification, and General Provisions.\"},\"support\":{\"title\":\"Support\",\"content\":\"For any questions regarding your account, settlements, integration, or these Terms, contact the Amwal merchant support team at:\",\"email\":\"[email protected]\"}},\"aria\":{\"openNavigation\":\"Open Navigation\",\"closeNavMenu\":\"Close navigation menu\",\"openNavMenu\":\"Open navigation menu\"},\"contactSupport\":\"Contact Support\",\"introduction\":{\"title\":\"Terms and Conditions\",\"content\":\"Welcome to Amwal Tech Inc. (\\\"Amwal,\\\" \\\"we,\\\" \\\"us,\\\" \\\"our\\\" or \\\"Company\\\"). These Terms and Conditions (\\\"Terms\\\") govern your access to and use of our website, mobile applications, and related services (collectively, the \\\"Services\\\"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to any part of these Terms, you may not use our Services.\",\"agreement\":\"Please read these Terms carefully before using our Services. Your continued use of our Services indicates your acceptance of these Terms and any changes we make to them.\"},\"useLicense\":{\"title\":\"Use License\",\"intro\":\"Unless otherwise stated, Amwal Tech Inc. and/or its licensors own the intellectual property rights for all material on the Services. All intellectual property rights are reserved. You may view and print pages from the Services for personal, non-commercial use, subject to restrictions set in these Terms and Conditions.\",\"permitted\":\"Permitted Activities: You are permitted to view and download materials from the Services for personal, non-commercial purposes only.\",\"restrictions\":\"Restricted Activities: You may not: (a) reproduce, sell, or redistribute any content without prior written permission; (b) attempt to gain unauthorized access to our systems; (c) transmit viruses or malicious code; (d) use automated tools to scrape or extract data.\",\"intellectual\":\"Intellectual Property: All content, including text, graphics, logos, images, and software, is the property of Amwal Tech Inc. or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.\",\"termination\":\"License Termination: We may terminate your license at any time if you violate these Terms. Upon termination, all rights granted to you will immediately cease.\"},\"disclaimer\":{\"title\":\"Disclaimer\",\"warning\":\"IMPORTANT DISCLAIMER\",\"content\":\"The materials on Amwal's Services are provided on an 'as is' basis. Amwal Tech Inc. makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Amwal Tech Inc. does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Services or otherwise relating to such materials or on any sites linked to this site.\"},\"limitations\":{\"title\":\"Limitations of Liability\",\"intro\":\"In no event shall Amwal Tech Inc. or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Amwal's Services.\",\"indirect\":{\"title\":\"Indirect Damages\",\"content\":\"Even if Amwal Tech Inc. or an authorized representative has been notified orally or in writing of the possibility of such damage, Amwal will not be liable for indirect, incidental, special, consequential, or punitive damages.\"},\"liability\":{\"title\":\"Liability Limitations\",\"content\":\"Some jurisdictions do not allow limitations on implied warranties or limitations of liability for incidental or consequential damages, so these limitations may not apply to you. If these limitations are held to be invalid, then the entire warranty section shall be deemed null and void.\"}},\"accuracy\":{\"title\":\"Accuracy of Materials\",\"content\":\"The materials appearing on Amwal's Services could include technical, typographical, or photographic errors. Amwal Tech Inc. does not warrant that any of the materials on its Services are accurate, complete, or current. Amwal Tech Inc. may make changes to the materials contained on its Services at any time without notice.\",\"disclaimer\":\"We recommend verifying all information before making any transaction or business decision. Amwal Tech Inc. does not make any commitment to update or maintain the materials on its Services.\"},\"modifications\":{\"title\":\"Modifications to Terms\",\"content\":\"Amwal Tech Inc. may revise these Terms for its Services at any time without notice. By using this Services, you are agreeing to be bound by the then current version of these Terms.\",\"rightToModify\":\"Right to Modify: Amwal Tech Inc. reserves the right to modify these Terms at any time for any reason.\",\"noticePeriod\":\"Notice Period: We will provide notice of material changes via email or prominent posting on our Services.\",\"continuedUse\":\"Continued Use: Your continued use of the Services following the posting of revised Terms means that you accept and agree to the changes.\"},\"termination\":{\"title\":\"Termination of Use\",\"intro\":\"Amwal Tech Inc. may terminate or suspend your account and/or access to the Services immediately, without prior notice or liability, if you breach any provision of these Terms or if we reasonably believe you are engaging in conduct that violates applicable law.\",\"byAmwal\":\"Termination by Amwal\",\"byAmwalContent\":\"Amwal may terminate your access to the Services at any time for any reason, including violation of these Terms, non-compliance with applicable laws, or suspected fraudulent activity.\",\"byUser\":\"Termination by You\",\"byUserContent\":\"You may terminate your account at any time by contacting our support team. Upon termination, you are no longer authorized to use the Services.\"},\"governingLaw\":{\"title\":\"Governing Law and Jurisdiction\",\"content\":\"These Terms and Conditions are governed by and construed in accordance with the laws of Saudi Arabia, and you irrevocably submit to the exclusive jurisdiction of the courts located in Saudi Arabia.\",\"jurisdiction\":\"Any legal proceeding or arbitration relating to your use of the Services will be conducted exclusively in the courts of Saudi Arabia.\"},\"contact\":{\"title\":\"Contact Us\",\"content\":\"If you have any questions about these Terms and Conditions, please contact us using the information below.\",\"company\":\"Amwal Tech Inc.\",\"email\":\"[email protected]\"}},\"privacy\":{\"title\":\"Privacy Policy\",\"lastUpdated\":\"Last Updated: November 2, 2025\",\"navigation\":\"Navigation\",\"introduction\":{\"title\":\"Introduction\",\"content\":\"Welcome to Amwal Tech Inc. (\\\"Amwal,\\\" \\\"we,\\\" \\\"us,\\\" or \\\"our\\\"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we 
2collect, use, disclose, and safeguard your information when you use our authentication, identity orchestration, and payment services, including our website, mobile applications, and related services (collectively, the \\\"Services\\\").\",\"agreement\":\"By using our Services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, please do not use our Services.\"},\"about\":{\"title\":\"About Amwal\",\"content\":\"Amwal is a regulated Payment Service Provider licensed by Saudi Payments (Central Bank of Saudi Arabia) under license PSP013 and regulated in Abu Dhabi Global Market under tech license 00076. We provide frictionless biometric authentication, 1-click checkout solutions, and credit card installments solutions to merchants, financial institutions, and consumers across the Middle East.\"},\"collection\":{\"title\":\"Information We Collect\",\"personal\":{\"title\":\"Personal Information You Provide\",\"identity\":\"Identity: Name, DOB, Nationality, ID numbers\",\"contact\":\"Contact: Email, phone, address\",\"financial\":\"Financial: Bank details, cards, history\",\"auth\":\"Auth Data: Biometrics, passkeys, device IDs\"},\"automatic\":{\"title\":\"Collected Automatically\",\"device\":\"Device: Type, OS, unique identifiers\",\"usage\":\"Usage: Pages viewed, time spent, clicks\",\"location\":\"Location: IP address, geo-location\",\"tech\":\"Tech: Browser type, time zone\"},\"thirdParty\":\"Information from Third Parties: We may receive info from Merchants, Financial Institutions, Identity Verification Services, Credit Bureaus, and Business Partners.\"},\"usage\":{\"title\":\"How We Use Your Information\",\"serviceDelivery\":\"Service Delivery: Provide authentication, process payments, manage accounts.\",\"security\":\"Security \u0026 Fraud: Detect fraudulent transactions, verify identity (AML/KYC).\",\"compliance\":\"Legal Compliance: Comply with Saudi, UAE, and other applicable laws.\",\"operations\":\"Business Operations: Analyze usage patterns, R\u0026D, data analytics.\",\"marketing\":\"Marketing: Send promotional materials and personalized recommendations (with consent).\"},\"sharing\":{\"title\":\"How We Share Your Information\",\"intro\":\"We may share your information with:\",\"providers\":\"Service Providers: Payment processors, cloud storage, identity verification.\",\"merchants\":\"Merchants: Where you make purchases using our Services.\",\"regulatory\":\"Regulatory Authorities: Saudi Payments (SAMA), ADGM regulators, law enforcement.\",\"transactions\":\"Corporate Transactions: In the event of a merger or acquisition.\"},\"international\":{\"title\":\"International Data Transfers\",\"content\":\"Your information may be transferred to Saudi Arabia, UAE, and other locations. We ensure safeguards such as standard contractual clauses and adequacy decisions are in place.\"},\"security\":{\"title\":\"Data Security\",\"intro\":\"We implement industry-standard security measures including:\",\"technical\":{\"title\":\"Technical Measures\",\"content\":\"TLS/SSL Encryption, Multi-factor authentication, FIDO protocols, Penetration testing.\"},\"organizational\":{\"title\":\"Organizational Measures\",\"content\":\"Access controls, Employee training, Confidentiality agreements, Incident response.\"}},\"retention\":{\"title\":\"Data Retention\",\"intro\":\"We retain personal information as long as necessary. Typical periods include:\",\"transactions\":\"Transaction Records: 5-7 years (Financial regulations).\",\"logs\":\"Security Logs: 12-24 months.\",\"marketing\":\"Marketing Data: Until consent is withdrawn.\"},\"rights\":{\"title\":\"Your Rights and Choices\",\"intro\":\"Depending on your location, you have the right to:\",\"access\":\"Access \u0026 Correction\",\"deletion\":\"Deletion \u0026 Restriction\",\"portability\":\"Data Portability\",\"withdrawal\":\"Withdrawal of Consent\"},\"cookies\":{\"title\":\"Cookies \u0026 Other Matters\",\"content\":\"We use Essential, Performance, Functionality, and Targeting cookies. You can control these via browser settings.\",\"children\":\"Children's Privacy\",\"childrenContent\":\"Our services are not intended for individuals under 18. We do not knowingly collect data from children.\",\"compliance\":\"Regulatory Compliance\",\"complianceContent\":\"We comply with Saudi PDPL, UAE Data Protection Laws, PCI DSS, and FIDO standards.\"},\"contact\":{\"title\":\"Contact Us\",\"content\":\"If you have questions about this Privacy Policy or our data practices, please contact our privacy team.\",\"company\":\"Amwal Tech Inc.\",\"email\":\"[email protected]\"}}
2,\"shariah\":{\"hero\":{\"badge\":\"Islamic Finance Compliant\",\"title\":\"Halal by Design.\",\"subtitle\":\"Our infrastructure is built from the ground up to adhere strictly to Shariah principles, certified by leading Islamic finance scholars.\"},\"certificate\":{\"title\":\"Shariah Compliance Certificate\",\"id\":\"Certificate ID: AMW-2024-SH-001\",\"content\":\"This certifies that Amwal's payment infrastructure has been reviewed and found to be in compliance with Islamic Shariah principles.\",\"signedBy\":\"Signed By\",\"authority\":\"Shariyah Review Bureau\",\"verified\":{\"line1\":\"Audited.\",\"line2\":\"Verified.\",\"line3\":\"Certified.\"},\"description\":\"We work with the **Shariyah Review Bureau (SRB)**, a global leader in Shariah advisory, to audit our workflows annually.\",\"audit\":\"Annual Shariah Audit\",\"guidance\":\"Product Structuring Guidance\"},\"principles\":{\"title\":\"Core Principles\",\"riba\":{\"title\":\"No Riba (Interest)\",\"desc\":\"Our payment flows and settlement logic are completely free from interest-based transactions.\"},\"gharar\":{\"title\":\"No Gharar (Uncertainty)\",\"desc\":\"Complete transparency in fees and transaction terms. No hidden clauses or ambiguous contracts.\"},\"halal\":{\"title\":\"Halal Merchants Only\",\"desc\":\"We strictly onboard merchants that operate within ethical boundaries defined by Shariah.\"}},\"board\":{\"title\":\"Shariah Advisory Board\",\"heading\":{\"line1\":\"Guided by\",\"line2\":\"Knowledge.\"},\"description\":\"Our compliance is audited and certified by a distinguished board of scholars.\",\"quote\":\"Based on our review of the process flow and legal agreements, we certify that Amwal's activities are in accordance with the principles of Shariah.\",\"authority\":\"Shariyah Review Bureau\",\"position\":\"Supervisory Board\"},\"cta\":{\"download\":\"Download Certificate\"}},\"regulatory\":{\"hero\":{\"badge\":\"SAMA Regulated\",\"title\":\"Built on Trust.\",\"subtitle\":\"We operate under the strict supervision of the Saudi Central Bank (SAMA) and adhere to global cybersecurity standards.\"},\"license\":{\"title\":\"Regulatory Sandbox\",\"desc\":\"Authorized by SAMA to provide open banking and payment solutions.\",\"status\":\"Active\",\"numberLabel\":\"License Number\",\"number\":\"10023-99-SAMA\"},\"certifications\":{\"pci\":{\"desc\":\"Highest standard for payment data security.\"},\"iso\":{\"desc\":\"Information security management certification.\"},\"pdpl\":{\"desc\":\"Aligned with Saudi Personal Data Protection Law.\"},\"pentest\":{\"desc\":\"Quarterly audits by CREST-certified firms.\"}},\"sovereignty\":{\"badge\":\"Data Sovereignty\",\"heading\":{\"line1\":\"100% Hosted in\",\"line2\":\"Saudi Arabia\"},\"description\":\"All transaction data is hosted locally within the Kingdom of Saudi Arabia, ensuring full compliance with NDMO regulations.\",\"feature1\":\"Local Data Centers (Riyadh \u0026 Jeddah)\",\"feature2\":\"Strict Data Residency Compliance\",\"feature3\":\"NDMO Classification Aligned\",\"locations\":{\"riyadh\":\"RIYADH\",\"jeddah\":\"JEDDAH\"}},\"contact\":{\"title\":\"Need Audit Reports?\",\"description\":\"Our compliance team is available to provide detailed documentation for enterprise due diligence.\",\"cta\":\"Contact Team\"}},\"useCases\":{\"hero\":{\"badge\":\"Solutions\",\"title\":\"Built for Everyone.\",\"subtitle\":\"From garage startups to global enterprises, our infrastructure adapts to your business model.\"},\"tab\":{\"ecommerce\":\"E-Commerce\",\"retail\":\"Physical Retail\",\"platforms\":\"Marketplaces\"},\"ecommerce\":{\"title\":\"The Frictionless Checkout\",\"subtitle\":\"Reduce cart abandonment by 40% with our 1-click checkout integration.\",\"feature1\":\"Instant Guest Checkout (No account needed)\",\"feature2\":\"Pre-filled Shipping Data\",\"feature3\":\"Fraud Protection Guarantee\",\"feature4\":\"Plugin for Shopify, Magento, WooCommerce\",\"stat\":\"40%\",\"statLabel\":\"Higher Conversion\"},\"retail\":{\"title\":\"Scan \u0026 Go Experience\",\"subtitle\":\"Turn every phone into a POS terminal. No hardware required.\",\"feature1\":\"Dynamic QR Code Generation\",\"feature2\":\"Staff Tipping Built-in\",\"feature3\":\"Loyalty Points on Scan\",\"feature4\":\"Instant Audio Confirmation\",\"stat\":\"0.5s\",\"statLabel\":\"Transaction Speed\"},\"platforms\":{\"title\":\"Split Payments \u0026 Payouts\",\"subtitle\":\"Automate commissions and pay your gig workers instantly.\",\"feature1\":\"Automated Revenue Splitting\",\"feature2\":\"Instant Payouts to Workers\",\"feature3\":\"KYB for Sub-merchants\",\"feature4\":\"Multi-currency Support\",\"stat\":\"100%\",\"statLabel\":\"Automated Ledger\"},\"seeCaseStudy\":\"See Case Study\",\"industryGrid\":{\"title\":\"Also serving...\"},\"sector\":{\"food\":\"Food \u0026 Beverage\",\"travel\":\"Travel\",\"gaming\":\"Gaming\",\"saas\":\"SaaS\",\"healthcare\":\"Healthcare\",\"logistics\":\"Logistics\",\"education\":\"Education\",\"nonprofits\":\"Non-Profits\"},\"cta\":{\"title\":\"Find your fit?\",\"subtitle\":\"Our team of engineers and product experts will help you design the perfect payment flow for your unique model.\",\"button\":\"Get Started\"}},\"comparison\":{\"hero\":{\"badge\":\"Why Amwal?\",\"title\":\"Stop Settling for Less.\",\"subtitle\":\"See why the smartest merchants are switching from legacy BNPL providers to Amwal's modern infrastru
2cture.\"},\"battle\":{\"winner\":\"The Clear Winner\",\"amwal-title\":\"Amwal\",\"amwalSubtitle\":\"The Future of Infrastructure\",\"amwal\":{\"feature1\":\"Instant Settlements (Cash in hand)\",\"feature2\":\"Zero Interest (Ethical)\",\"feature3\":\"99.9% Uptime Guarantee\",\"feature4\":\"Dedicated Slack Channel Support\"},\"others-title\":\"Other BNPL\",\"othersSubtitle\":\"Legacy BNPL Providers\",\"others\":{\"feature1\":\"Settlement takes 3-14 days\",\"feature2\":\"Hidden Late Fees (Consumer friction)\",\"feature3\":\"Frequent Downtime during peaks\",\"feature4\":\"Email Ticket Support (Slow)\"}},\"features\":{\"title\":\"The Breakdown\",\"subtitle\":\"Detailed analysis of why we outperform the competition.\",\"settlement\":{\"icon\":\"⏱️\",\"label\":\"Settlement Speed\",\"amwal\":\"Instant / T+0\",\"others\":\"T+3 to T+14 Days\",\"description\":\"Cash flow is king. We pay you immediately. They hold your money hostage.\"},\"fees\":{\"icon\":\"💸\",\"label\":\"Transaction Fees\",\"amwal\":\"Flat Low Rate\",\"others\":\"High % + Fixed Fees\",\"description\":\"Stop losing margins to complex fee structures. We keep it simple.\"},\"integration\":{\"icon\":\"💻\",\"label\":\"Integration Time\",\"amwal\":\"\u003c 30 Minutes\",\"others\":\"Weeks of Engineering\",\"description\":\"Our SDKs are plug-and-play. Theirs require a dedicated backend team.\"},\"shariah\":{\"icon\":\"🛡️\",\"label\":\"Shariah Compliance\",\"amwal\":\"100% Halal (Certified)\",\"others\":\"Often Doubtful\",\"description\":\"No hidden late fees or interest traps. Ethical finance for everyone.\"},\"approval\":{\"icon\":\"⚡\",\"label\":\"Approval Rate\",\"amwal\":\"90%+ (AI Driven)\",\"others\":\"60-70% (Rigid Rules)\",\"description\":\"We use modern data points to approve more customers, faster.\"}},\"warning\":{\"title\":\"The Cost of Waiting\",\"body\":\"Every day you delay switching to Amwal is a day you lose potential revenue, customer trust, and operational efficiency. Don't let outdated BNPL solutions hold your business back.\"},\"cta\":{\"button\":\"Start Now\",\"note\":\"No credit card required. Setup in 30 minutes.\"}},\"blog\":{\"hero\":{\"badge\":\"Latest Insights\",\"title\":\"Fintech Insights\",\"subtitle\":\"Discover the latest trends, updates, and insights from the world of fintech and digital payments. Learn from industry experts.\"},\"search\":{\"placeholder\":\"Search articles...\"},\"featuredPost\":{\"emptyTitle\":\"No featured post yet\"},\"types\":{\"announcement\":\"Announcement\",\"article\":\"Article\",\"externalArticle\":\"External\"},\"readArticle\":\"Read Article\",\"readAnnouncement\":\"Read Announcement\",\"noPostsMessage\":\"No posts available at the moment. Please check back later.\",\"backToBlog\":\"Back to Blog\",\"socialTitle\":\"Follow Amwal\",\"items\":{\"arabianDrive\":{\"title\":\"Arabian Drive Announces Partnership with Amwal for Credit Card Installments\",\"excerpt\":\"Arabian Drive and Amwal join forces to offer credit card holders a flexible installment option for up to 24 months, fully Sharia-compliant.\",\"author\":\"Amwal Team\",\"date\":\"Apr 13, 2026\"},\"alRajhiBank\":{\"title\":\"Amwal Tech and Al Rajhi Bank Launch Automated Credit Card Installments\",\"excerpt\":\"A strategic partnership enabling Al Rajhi credit cardholders to convert purchases into flexible monthly installments directly at checkout.\",\"author\":\"Amwal Team\",\"date\":\"May 26, 2025\"},\"alinmaBank\":{\"title\":\"Amwal Tech Announces Strategic Partnership with Alinma Bank\",\"excerpt\":\"Alinma Bank joins Amwal’s growing bank network, expanding seamless credit card installments across participating merchants.\",\"author\":\"Amwal Team\",\"date\":\"Aug 27, 2026\"},\"syarahAmwal\":{\"title\":\"Syarah and Amwal Enhance Flexibility in Car Purchasing Across Saudi Arabia\",\"excerpt\":\"Syarah and Amwal partner to let eligible customers purchase new and used cars with flexible credit card installments.\",\"author\":\"Syarah Team\",\"date\":\"May 5, 2026\"},\"secureWalletsPasskeys\":{\"title\":\"Secure Embeddable Browserless Wallets with Passkeys\",\"excerpt\":\"How FIDO passkeys can enable secure, phishing-resistant embedded wallets and native checkout experiences without web views or OTPs.\",\"category\":\"Security \u0026 Product\",\"author\":\"Amwal Tech\",\"date\":\"Nov 10, 2023\"}},\"announcements\":{\"arabianDrive\":{\"badge\":\"Announcement\",\"title\":\"Arabian Drive Announce
2s Partnership with Amwal for Credit Card Installments\",\"location\":\"Riyadh, Saudi Arabia — April 13, 2026\",\"imagePlaceholder\":\"Banner image (partner logos)\",\"speakerImagePlaceholder\":\"Speaker photo\",\"p1\":\"Arabian Drive has announced a partnership with Amwal, a specialist in credit card installment solutions, aimed at offering customers a more flexible and transparent payment option.\",\"p2\":\"This partnership allows customers to split their purchases via credit card by converting the purchase value into monthly installments instead of a lump-sum payment.\",\"p3\":\"The transaction is processed on the credit card and then converted into a monthly installment plan via Amwal, where the installments appear in the monthly card statement and are settled with the bill. This step aligns with Arabian Drive’s direction to expand payment options and simplify the shopping experience.\",\"p4\":\"Under this partnership, credit card holders can spread their purchases over up to \u003chighlight\u003e24 months\u003c/highlight\u003e, in full compliance with Islamic Sharia.\",\"quote\":\"We are delighted with our partnership with Amwal, which provides our customers with a clear and easy installment option via their credit cards, giving them greater flexibility in completing their purchases.\",\"quoteAuthor\":\"Mr. Hassan Kotbi\",\"quoteRole\":\"General Manager, Arabian Drive Group\",\"amwalStatement\":\"Amwal reaffirmed its commitment to delivering a seamless installment experience that helps customers use their credit cards in a more organized way, with full transparency in the repayment mechanism and installment schedule, contributing to the growth of e-commerce in the region.\",\"benefitsTitle\":\"Key Service Features\",\"benefits\":{\"months\":\"Installments for up to 24 months\",\"sharia\":\"Sharia-compliant\",\"card\":\"Convert purchases to monthly installments directly via your card — no app download required\",\"rewards\":\"Earn credit card reward points\"},\"closing\":\"This partnership reflects both parties’ orientation towards a clearer and more flexible payment experience, empowering customers to manage and split their purchases in an organized manner.\",\"aboutTitle\":\"About Amwal:\",\"about\":\"Amwal is a leading company in digital payment solutions, aiming to empower individuals and merchants to benefit from flexible and innovative payment options, including the conversion of purchases into interest-free installments compliant with Islamic Sharia for credit card customers, in cooperation with a selection of leading banks.\"},\"alRajhiBank\":{\"badge\":\"Partnership Announcement\",\"title\":\"Amwal Tech and Al Rajhi Bank Launch Automated Credit Card Installments\",\"location\":\"Riyadh, Saudi Arabia — May 26, 2025\",\"imageAlt\":\"Amwal Tech and Al Rajhi Bank teams at the partnership signing ceremony\",\"intro\":\"Amwal Tech, a pioneering Saudi fintech transforming card-based installment payments, is proud to announce a strategic partnership with Al Rajhi Bank to launch an innovative, fully automated credit card installment solution—set to redefine embedded consumer financing across the market.\",\"partnership\":\"Through this partnership, Amwal Tech enables Al Rajhi credit cardholders to convert purchases seamlessly into flexible monthly installments at checkout—online or in store—with instant approval and zero friction. The service gives customers smarter payment options while helping merchants improve conversion and unlock new revenue opportunities.\",\"quote1\":\"We are thrilled to partner with Al Rajhi Bank, a pioneer in the banking sector, to introduce this service. This partnership marks a significant step toward empowering customers with greater financial flexibility and providing merchants with tools to enhance customer satisfaction and drive sales.\",\"quote1Author\":\"Reda Reda\",\"quote1Role\":\"Co-founder, Amwal Tech\",\"benefitsTitle\":\"A Win-Win for Consumers and Merchants\",\"benefitsIntro\":\"Amwal’s infrastructure integrates directly with Al Rajhi Bank’s core card system to connect participating merchants and cardholders through a streamlined installment experience.\",\"benefits\":{\"instant\":{\"title\":\"Instant Access to Installments\",\"desc\":\"No applications and no delays—customers can choose an installment plan in just a few clicks at checkout.\"},\"highTicket\":{\"title\":\"High-Ticket Support\",\"desc\":\"Eligible customers can finance purchases of up to SAR 100,000 with 0% repayment periods of up to 24 months.\"},\"merchant\":{\"title\":\"Improved Merchant Performance\",\"desc\":\"Merchants can benefit from higher average order values, approval rates of up to 95%, and a frictionless journey from purchase to settlement.\"}},\"quote2\":\"Partnering with Amwal Tech enables Al Rajhi Bank to offer our customers best-in-class digital financing experiences. This aligns with our mission to lead innovation in retail banking and deliver more value to both our cardholders and merchant partners.\",\"quote2Author\":\"Ahmed Bin Saeed\",\"quote2Role\":\"General Manager, Tasaheal Program at Al Rajhi Bank\",\"visionTitle\":\"Accelerating Vision 2030 and Financial Inclusion\",\"visionBody\":\"The partnership reflects both companies’ alignment with Vision 2030’s National Fintech Strategy, supporting the growth of cashless ecosystems, expanding access to credit, and accelerating digital transformation across financial services.\",\"scaleBody\":\"As one of Saudi Arabia’s most trusted financial institutions, Al Rajhi Bank’s supp
2ort positions the service to scale rapidly across sectors—from e-commerce and luxury retail to electronics, healthcare, and travel.\",\"aboutTitle\":\"About Amwal Tech\",\"about\":\"Amwal is the infrastructure layer enabling banks to turn existing credit cards into programmable installment products across merchants and acceptance channels. Its platform combines payment infrastructure, identity orchestration, and patented authentication technology to deliver secure, low-friction installment experiences at scale.\"},\"alinmaBank\":{\"badge\":\"Partnership Announcement\",\"title\":\"Amwal Tech Announces Strategic Partnership with Alinma Bank, Further Strengthening Banks’ Trust in Amwal’s Installment Infrastructure\",\"location\":\"Riyadh, Saudi Arabia — August 27, 2026\",\"imageAlt\":\"Amwal Tech and Alinma Bank teams at the partnership ceremony\",\"intro\":\"Amwal Tech, the Saudi fintech building infrastructure for credit card installments, today announced a strategic partnership with Alinma Bank to enable flexible installment solutions for Alinma credit cardholders across a growing network of participating merchants.\",\"experience\":\"The partnership enables eligible Alinma credit cardholders to access installment options on their purchases through a seamless checkout experience, including at participating merchants’ point-of-sale terminals. The solution is powered by Amwal’s technology infrastructure, designed to make credit card installments simple, fast, and accessible without adding complexity to the customer journey.\",\"merchantImpact\":\"For merchants, the partnership provides another way to offer flexible payment options to customers, helping them strengthen their value proposition and unlock additional purchasing power.\",\"highlights\":{\"cardholders\":{\"title\":\"Seamless for Cardholders\",\"desc\":\"Eligible Alinma cardholders can choose installments as part of the purchase experience.\"},\"merchants\":{\"title\":\"More Choice for Merchants\",\"desc\":\"Participating merchants can offer flexible payments across point-of-sale and other acceptance channels.\"},\"network\":{\"title\":\"A Growing Bank Network\",\"desc\":\"Alinma joins Al Rajhi Bank and Saudi National Bank in Amwal’s connected ecosystem.\"}},\"trustTitle\":\"A Growing Vote of Confidence from Saudi Arabia’s Leading Banks\",\"trustBody1\":\"For Amwal, the partnership represents more than the expansion of its bank network. It is another strong validation of the trust that leading financial institutions are placing in Amwal’s technology and its vision for credit card-powered installments.\",\"trustBody2\":\"Alinma joins Amwal’s growing network of banking partners, following partnerships with Al Rajhi Bank and Saudi National Bank, further strengthening the connectivity between banks, merchants, and consumers through Amwal’s infrastructure.\",\"trustBody3\":\"As more leading banks choose to work with Amwal, the company is increasingly becoming a trusted technology layer that enables banks to extend the value of their existing credit card products into a seamless installment experience at the point of purchase.\",\"ecosystemTitle\":\"Building a Connected Installment Ecosystem\",\"ecosystemBody1\":\"Amwal’s infrastructure is built around a simple idea: customers should be able to unlock the purchasing power of their existing credit cards without having to navigate a separate financing journey.\",\"ecosystemBody2\":\"By connecting banks and merchants through a single installment infrastru
2cture, Amwal enables credit cardholders to access installment options directly as part of their purchasing experience, while giving merchants a scalable way to offer these solutions across their online and offline channels.\",\"ecosystemBody3\":\"The addition of Alinma further expands this ecosystem and strengthens Amwal’s ability to serve customers across a broader range of merchants and categories.\",\"aboutTitle\":\"About Amwal Tech\",\"about\":\"Amwal Tech is a Saudi fintech focused on enabling seamless credit card installment experiences, connecting banks, merchants, and consumers through its technology infrastructure.\"},\"syarahAmwal\":{\"badge\":\"Partnership Announcement\",\"title\":\"Syarah and Amwal Enhance Flexibility in Car Purchasing Across Saudi Arabia\",\"location\":\"Riyadh, Saudi Arabia — May 5, 2026\",\"imageAlt\":\"Syarah and Amwal teams at a Syarah showroom in Saudi Arabia\",\"standfirst\":\"Syarah partners with Amwal to enable credit card installment purchases for new and used cars in Saudi Arabia.\",\"intro\":\"In a move to expand flexibility in car ownership, Syarah has partnered with Amwal to let eligible customers purchase new and used vehicles with credit card installments. The service broadens payment choice and removes many of the delays and administrative steps associated with traditional financing, offering an immediate, transparent checkout experience.\",\"availability\":\"At the time of publication, the service is available to eligible Al Rajhi Bank and Saudi National Bank credit cardholders, with additional banks planned. Customers can choose eligible plans of up to 12 or 24 months. Promotional 0% and low-fee offers vary by bank, merchant, and vehicle, with applicable terms shown before confirmation. Card rewards of up to SAR 2,000 may also apply depending on the transaction and rewards program.\",\"benefitsTitle\":\"A More Flexible Route to Car Ownership\",\"benefits\":{\"approval\":{\"title\":\"Immediate Decision\",\"desc\":\"Eligible customers can select their car and receive an installment decision without a separate traditional-financing journey.\"},\"plans\":{\"title\":\"Up to 24 Months\",\"desc\":\"Available plans can extend to 12 or 24 months, subject to card, bank, vehicle, and offer terms.\"},\"rewards\":{\"title\":\"Keep Card Rewards\",\"desc\":\"Customers may earn up to SAR 2,000 in credit card rewards, depending on the purchase and their bank’s rewards program.\"}},\"aboutSyarahTitle\":\"About Syarah\",\"aboutSyarah\":\"Syarah is a Saudi digital platform for buying and selling new and used cars through an integrated journey—from browsing and vehicle selection to payment, financing, and home delivery. Its used-car offering includes an inspection covering more than 200 checkpoints, a condition report, warranties of up to three years, and a 10-day return option, subject to Syarah’s terms.\",\"aboutAmwalTitle\":\"About Amwal\",\"aboutAmwal\":\"Amwal is a Saudi payment-infrastructure company that enables customers to use existing credit cards and convert eligible purchases into flexible installment plans inside the buying journey. Its infrastructure serves high-value sectors including automotive, retail, travel, electronics, furniture, healthcare, and education.\",\"marketTitle\":\"A Market Ready for Flexible Payments\",\"marketIntro\":\"The partnership arrives as Saudi Arabia’s automotive and credit card markets continue to grow, creating a larger opportunity to connect existing card purchasing power with high-value digital commerce.\",\"marketStats\":{\"monthlySales\":{\"value\":\"~2,000\",\"label\":\"cars sold monthly through Syarah’s platform\"},\"newCars\":{\"value\":\"$$25.8B → $40.6B\",\"label\":\"reported new-car market value from 2024 to the 2030 projection\"},\"usedCars\":{\"value\":\"$$10.2B → $17.4B\",\"label\":\"reported used-car market value from 2025 to the 2034 projection\"},\"cardUsers\":{\"value\":\"~3M\",\"label\":\"credit card users in Saudi Arabia, with reported annual growth of about 8%\"}},\"marketNote\":\"Market estimates are reproduced from research f
2igures cited in the original Syarah partnership announcement.\",\"syarahQuote\":\"At Syarah, we are committed to enhancing the car-buying experience in Saudi Arabia by offering faster, more flexible solutions that meet customer needs. Our agreement with Amwal marks an important step in providing a new option for customers to purchase new and used vehicles using their credit cards, with instant approval, a seamless digital process, and added benefits that increase the overall value of the purchase.\",\"syarahQuoteAuthor\":\"Salah Al-Sharif\",\"syarahQuoteRole\":\"CEO, Syarah\",\"amwalQuote\":\"Our main goal at Amwal is to provide flexible and simple financial services that serve customers and enhance the quality of financial services in the region. We are pleased to partner with Syarah, one of the leading digital automotive platforms, to launch a pioneering service that enables customers to purchase cars using their credit cards through a seamless digital experience, instant approval, and flexible installment plans.\",\"amwalQuoteAuthor\":\"Reda Reda\",\"amwalQuoteRole\":\"Chief Business Officer, Amwal\"}},\"articles\":{\"secureWalletsPasskeys\":{\"badge\":\"Security \u0026 Product\",\"title\":\"Secure Embeddable Browserless Wallets with Passkeys\",\"subtitle\":\"A game-changing proposition for fintechs, crypto wallets, card issuers, and large enterprises.\",\"date\":\"November 10, 2023\",\"readingTime\":\"2 min read\",\"imageAlt\":\"Amwal Quick Checkout on Android using a passkey alongside a browserless card wallet\",\"intro1\":\"If you lead product strategy at a payment or financial institution, you have probably considered launching an embeddable mobile wallet. The reasoning is clear: why surrender the relationship with your users and merchants to a third-party wallet when customers already trust you with their identity and payment credentials?\",\"intro2\":\"The challenge is securely and efficiently extending those user and device identities into third-party apps and checkout environments.\",\"legacyQuote\":\"Until now, the usual answer has been to build another app or use OAuth through web-view links so users can authenticate during checkout in a third-party app or website. Think Plaid or Pay with Venmo. The experience, however, is rarely seamless.\",\"passkeysTitle\":\"Enter Passkeys\",\"passkeysBody1\":\"FIDO credentials are among the most important advances in internet security since SSL. They create a cryptographic, phishing-resistant connection between a user’s identity, their device—when the credential is device-bound—and the financial institution’s systems.\",\"passkeysBody2\":\"That relationship allows an institution to securely federate a user’s identity through a native mobile flow into third-party services, similar to the wallet experience Apple provides on its own devices.\",\"benefits\":{\"phishingResistant\":{\"title\":\"Phishing-Resistant\",\"desc\":\"Cryptographic credentials replace authentication factors that can be intercepted or socially engineered.\"},\"nativeFlow\":{\"title\":\"Native and Browserless\",\"desc\":\"Users authenticate inside a mobile checkout flow without being redirected through fragile web views.\"},\"noSharedSecrets\":{\"title\":\"No Shared Secrets\",\"desc\":\"The experience does not rely on broken links, reusable passwords, passphrases, or phishable OTPs.\"}},\"possibilitiesTitle\":\"What This Makes Possible\",\"possibilitiesBody1\":\"A bank can provide an embeddable wallet SDK to a financing company. A crypto brokerage can enable a native crypto checkout inside a food-delivery app. In both cases, identity and payment authorization remain secure without interrupting the customer journey.\",\"possibilitiesBody2\":\"This model could be especially powerful for interoperable crypto wallets that need strong security without relying solely on passphrases or separate hardware keys.\",\"demoLabel\":\"Watch the demo\",\"demoTitle\":\"Biometric checkout SDK for Android devices\",\"amwalTitle\":\"Building at Amwal\",\"amwalBody\":\"At Amwal, we are building an embeddable FIDO-based checkout wallet. Our first use case focuses on mobile checkout, enabling financial institutions to deliver more secure, native wallet experiences to their users.\"}},\"newsletter\":{\"title\":\"Stay Updated\",\"desc\":\"Subscribe to our newsletter for the latest fintech trends and Amwal updates.\",\"placeholder\":\"Enter your email\",\"button\":\"Subscribe\"},\"categories\":{\"title\":\"Topics\",\"items\":[\"Engineering\",\"Product Updates\",\"Regulation\",\"Case Studies\",\"Culture\"]},\"socialLinks\":[\"Twitter\",\"LinkedIn\",\"Facebook\",\"Instagram\"]},\"howItWorks\":{\"hero\":{\"badge\":\"Simple \u0026 Clear\",\"title\":\"How It Works\",\"subtitle\":\"Everything you need to know about splitting a purchase into clear, Sharia-compliant monthly payments on your credit card.\"},\"tabs\":{\"consumer\":\"Consumer\",\"merchant\":\"Merchant\"},\"consumerSteps\":[{\"title\":\"Shop \u0026 Enjoy\",\"desc\":\"Choose Amwal Installments at checkout and pick a plan of up to 24 months.\"},{\"title\":\"Pay With Your Credit Card\",\"desc\":\"Your bank will place a hold on the full amount, and when approved, it will be converted to an installment plan.\"},{\"title\":\"Your Installments \u0026 Rewards\",\"desc\":\"Your installment plan will show up in your mobile banking app. Enjoy your rewards, points, and miles!\"}],\"merchantSteps\":[{\"title\":\"Create Your Profile\",\"desc\":\"Create your profile with Amwal by uploading the required documents.\"},{\"title\":\"Integrate Online or In-Store\",\"desc\":\"Use the available integration keys in your Amwal dashboard to connect your website easily and without any complexity.\"},{\"title\":\"Ready to Grow\",\"desc\":\"Ready to reach millions of new shoppers and grow your business with Amwal.\"}],\"consumerDetail\":{\"badge\":\"Why Amwal\",\"title\":\"Built Around You\",\"benefits\":[{\"title\":\"Zero Interest, Clear Fees\",\"desc\":\"Most plans have no fees and every plan has zero interest. For particular merchants or items, a fixed Murabaha fee may apply and will be shown before you confirm. Your bank adds no additional fees.\"},{\"title\":\"Allow 36–48 Hours\",\"desc\":\"Your purchase is confirmed at checkout, but the installment plan may take 36–48 hours to appear in your bank's app or credit-card account.\"},{\"title\":\"Sharia-Compliant Financing\",\"desc\":\"Every plan follows an Islamic Tawarruq or Murabaha structure. Neither Amwal nor the bank charges interest on any plan.\"},{\"title\":\"Keep Your Rewards\",\"desc\":\"Continue earning the points, rewards, and miles offered by your credit card on eligible installment purchases.\"}],\"howMoneyWorks\":{\"title\":\"What Happens After You Pay?\",\"subtitle\":\"Once accepted, your bank reserves the full purchase amount against your available credit limit and converts the transaction into monthly installments.\",\"autoDeduction\":\"Your purchase is confirmed at checkout. Allow 36–48 hours for the installment plan to appear in your bank's app or credit-card account. After activation, the monthly installments appear on your card statement automatically.\",\"trackLabel\":\"How to Track Your Installments\",\"expand\":\"Show More\",\"collapse\":\"Show Less\",\"rajhiDesc\":\"Find your AMWAL installment plan in the Al Rajhi Bank app under Tasaheal.\",\"snbDesc\":\"View your EPP installments in the SNB AlAhli app under Credit Cards.\"},\"cardChecker\":{\"title\":\"Check if Your Card is Eligible\",\"label\":\"Enter First 6–8 Digits of Your Card\",\"hint\":\"Only credit cards from Al Rajhi Bank or SNB are currently eligible.\",\"enterPrompt\":\"Enter your credit card number above to check eligibility.\",\"eligible\":\"Your card 
2is eligible for installments!\",\"notEligible\":\"Card Not Currently Eligible\",\"notEligibleDesc\":\"This card is not yet part of our partner bank program. Al Rajhi Bank and SNB credit cards are currently supported.\"},\"timeline\":{\"label\":\"Example: SAR 1,200 over 12 months\",\"items\":[{\"label\":\"Purchase Amount\",\"value\":\"SAR 1,200\"},{\"label\":\"Plan\",\"value\":\"12 Months\"},{\"label\":\"Monthly Payment\",\"value\":\"SAR 100\"},{\"label\":\"Total Fees\",\"value\":\"SAR 0\"}]},\"banks\":{\"title\":\"Available Banks\",\"rajhi\":{\"name\":\"Al Rajhi Bank\",\"program\":\"Tasaheal Program\",\"status\":\"Available Now\"},\"snb\":{\"name\":\"SNB (Alahli)\",\"program\":\"EPP Program\",\"status\":\"Available Now\"},\"alinma\":{\"name\":\"Alinma Bank\",\"program\":\"Installment Program\",\"status\":\"Available Now\"}},\"requirements\":{\"title\":\"Important Note\",\"desc\":\"The full invoice amount will be reserved and allocated from your credit card limit and split into installments — make sure the invoice amount is available on your credit card and within your credit limit.\"}},\"merchantDetail\":{\"badge\":\"For Merchants\",\"title\":\"Our Impact\",\"subtitle\":\"Amwal is the preferred payment option for both brands and customers\",\"partnersLabel\":\"Trusted by leading brands in Saudi Arabia\",\"benefits\":[{\"title\":\"Easy Integration\",\"desc\":\"Supports most platforms like Shopify, Magento \u0026 WooCommerce. REST API for custom stores. No bank agreements needed — Amwal handles everything.\"},{\"title\":\"+12% Sales Uplift\",\"desc\":\"Customers spend more and convert better when they can split payments. Our merchants see an average 12% increase in sales.\"},{\"title\":\"Instant Settlements\",\"desc\":\"Receive 100% of the purchase amount upfront (minus service fees), transferred within 2–7 days per your agreement.\"},{\"title\":\"Dedicated Support\",\"desc\":\"Our team is ready to assist with integration, disputes, and ongoing operations — no ticket queues.\"}],\"stats\":[{\"value\":\"+18%\",\"label\":\"Higher Sales\",\"desc\":\"Easy installments push more customers to complete their purchase, giving a clear uplift in sales\"},{\"value\":\"+45%\",\"label\":\"Higher Basket Size\",\"desc\":\"Customers confidently add more items or choose better models when they can split the payment monthly\"},{\"value\":\"+15%\",\"label\":\"More New Customers\",\"desc\":\"Installments attract buyers who were dropping off because of full upfront payment — turning them into real customers\"}]},\"consumerNetwork\":{\"title\":\"Clear Payment Plans That Work for You\",\"subtitle\":\"Every step of the installment process is clear, controlled by your bank, and compliant with Sharia.\",\"points\":[\"Zero interest on every plan; most plans have no fees, while a disclosed fixed Murabaha fee may apply to specific merchants or items\",\"No registration on any platform or document uploads required\",\"Keep all your credit card rewards, points, and miles\"],\"planLabel\":\"Sample Installment Breakdown\",\"planRows\":[{\"label\":\"Purchase at Checkout\",\"value\":\"SAR 3,600\"},{\"label\":\"Installment Plan\",\"value\":\"12 Months\"},{\"label\":\"Monthly Payment\",\"value\":\"SAR 300\"},{\"label\":\"Total Extra Cost\",\"value\":\"SAR 0\"}],\"planNote\":\"Values are illustrative. Actual terms depend on your bank, available credit limit, merchant, and item. Any fixed Murabaha fee is shown before confirmation.\"},\"merchantNetwork\":{\"title\":\"Smooth Connection With All Platforms\",\"subtitle\":\"Cut down on time and effort by linking your store to payment gateways easily and hassle-free\",\"ctaStart\":\"Start Now\",\"ctaDocs\":\"Read Docs\",\"customLabel\":\"Custom API\",\"points\":[\"Real-time processing with T+0 to T+7 settlement\",\"No merchant agreement with banks needed — we handle it all\",\"Seamless integration with Shopify, Magento, WooCommerce, and custom APIs\"]},\"network\":{\"title\":\"Built for Scale\",\"subtitle\":\"Our infrastructure handles millions of transactions with 99.99% uptime.\",\"points\":[\"Real-time processing with T+0 settlement\",\"Bank-grade security with biometric verification\",\"Seamless integration with all major platforms\"],\"code\":{\"line1\":\"npm install @amwal/checkout\",\"line2\":\"\",\"line3\":\"import '{' AmwalCheckout '}' from '@amwal/checkout';\",\"line4\":\"\",\"line5\":\"const checkout = new AmwalCheckout('{'\",\"line6\":\"  merchantId: 'your_id',\",\"line7\":\"  amount: 99.99,\",\"line8\":\"  currency: 'SAR'\",\"line9\":\"'}');\",\"line10\":\"\",\"line11\":\"checkout.init();\"}},\"cta\":{\"title\":\"Start Shopping Today\",\"consumerSubtitle\":\"Browse participating stores and split your purchase into zero-interest monthly installments using your credit card.\",\"merchantSubtitle\":\"Join hundreds of merchants already growing their sales with Amwal installment solutions.\",\"consumerBtn\":\"Shop Now\",\"merchantBtn\":\"Start Now\"}},\"rajhiInstallments\":{\"hero\":{\"badge\":\"Powered by Al Rajhi Bank\",\"title\":\"Shop Now,\",\"titleHighlight\"
2:\"Pay Later with Amwal\",\"description\":\"At any Amwal-powered checkout, split your purchase into easy monthly installments using your existing Al Rajhi credit card. Instant approval, zero paperwork, and 0% interest at partner stores.\",\"cta1\":\"Start Shopping\",\"cta2\":\"See How It Works\",\"stat1Value\":\"24\",\"stat1Label\":\"Months Max\",\"stat2Value\":\"0%\",\"stat2Label\":\"At Partner Stores\",\"stat3Value\":\"55\",\"stat3Label\":\"Day Grace Period\"},\"benefits\":{\"title\":\"Everything You Need at Checkout\",\"subtitle\":\"Amwal connects your Al Rajhi credit card to any partner store checkout — giving you flexible installments without leaving the page.\",\"items\":[{\"title\":\"One-Click at Checkout\",\"description\":\"Select Amwal at any partner store checkout and activate installments instantly — no redirects, no extra apps.\"},{\"title\":\"Use Your Existing Card\",\"description\":\"No new card or application needed. Just use your Al Rajhi Murabaha credit card you already have.\"},{\"title\":\"0% at Partner Stores\",\"description\":\"Shop at Amwal partner merchants and get 3-month installments with absolutely zero interest or fees.\"},{\"title\":\"Keep Earning Rewards\",\"description\":\"Every installment still earns your Al Rajhi points, miles, and cashback — no reward is ever lost.\"},{\"title\":\"Instant Approval\",\"description\":\"Get approved on the spot within seconds. No paperwork, no credit checks, no waiting in queues.\"},{\"title\":\"Sharia-Compliant\",\"description\":\"All installment plans are SAMA-certified and fully compliant with Islamic Sharia principles (Murabaha).\"}]},\"plans\":{\"title\":\"Flexible Plans, Transparent Fees\",\"subtitle\":\"Choose the plan that fits your budget. No hidden fees, no surprises.\",\"monthly\":\"Monthly Fee\",\"processingFee\":\"One-time Processing Fee\",\"minAmount\":\"Min. Amount\",\"atPartner\":\"At Partner Stores\",\"noFee\":\"Free\",\"months\":\"months\",\"partnerNote\":\"0% interest for 3-month plans at Amwal partner merchants\",\"generalNote\":\"One-time processing fee is charged at the moment of conversion only\",\"vatNote\":\"All fees above exclude VAT\",\"example\":{\"title\":\"Example\",\"partnerTitle\":\"Partner Store — 0% Plan\",\"nonPartnerTitle\":\"Non-Partner Store\",\"partnerDesc\":\"5,000 SAR purchase at partner store, 12-month plan\",\"nonPartnerDesc\":\"1,000 SAR purchase at non-partner store, 6-month plan\",\"monthly\":\"Monthly Installment\",\"processingFee\":\"Processing Fee\",\"totalFee\":\"Monthly Interest\"},\"plans\":[{\"months\":\"3\",\"monthlyFee\":\"0%\",\"processingFee\":\"49 SAR\",\"partnerFee\":\"0%\"},{\"months\":\"6\",\"monthlyFee\":\"0.9%\",\"processingFee\":\"2% (min 100 SAR)\",\"partnerFee\":\"0.9%\"},{\"months\":\"12\",\"monthlyFee\":\"0.9%\",\"processingFee\":\"2% (min 100 SAR)\",\"partnerFee\":\"0.9%\"},{\"months\":\"24\",\"monthlyFee\":\"0.9%\",\"processingFee\":\"2% (min 100 SAR)\",\"partnerFee\":\"0.9%\"}],\"note24months\":\"24-month plan available on select Amwal partner merchants only\",\"disclaimer\":\"* All figures shown are illustrative. Actual fees, rates, and installment amounts may vary depending on your merchant, card tier, and purchase value. Confirm final terms with Al Rajhi Bank before completing your purchase.\",\"selectMerchantsTag\":\"Select Merchants\"},\"howItWorks\":{\"title\":\"How Amwal Installments Work\",\"subtitle\":\"Three simple steps — from browsing to approved in seconds.\",\"steps\":[{\"step\":\"01\",\"title\":\"Shop at a Partner Store\",\"description\":\"Browse and add items to your cart at any Amwal-powered merchant — online or in-store.\"},{\"step\":\"02\",\"title\":\"Choose Amwal at Checkout\",\"description\":\"Select Amwal as your payment method, enter your Al Rajhi credit card, and pick your preferred installment plan.\"},{\"step\":\"03\",\"title\":\"Approved Instantly\",\"description\":\"Get instant approval within seconds. Your order is confirmed and your first installment begins 55 days later.\"}]},\"partners\":{\"title\":\"Shop at Your Favorite Stores\",\"subtitle\":\"Use Amwal installments powered by Al Rajhi at hundreds of top brands across Saudi Arabia.\",\"seeAll\":\"See All Partners\"},\"faq\":{\"title\":\"Frequently Asked Questions\",\"items\":[{\"question\":\"What exactly is Amwal and how does it use Al Rajhi?\",\"answer\":\"Amwal is a payment platform that enables bank installments at the checkout of partner merchants. When you select Amwal at checkout, it processes your purchase through Al Rajhi's Tasaheal program using your existing Al Rajhi credit card — giving you flexible monthly installments without any extra signup.\"}
2,{\"question\":\"Do I need to apply for anything new?\",\"answer\":\"No. You simply use your existing Al Rajhi Murabaha credit card. There is no new card, no new account, and no separate application required. The installment option appears automatically at checkout when you choose Amwal.\"},{\"question\":\"Which stores can I use Amwal installments at?\",\"answer\":\"You can use Amwal at any of our partner merchants across Saudi Arabia — including SACO, Abyat, IKEA, Almatar, Baytonia, Syarah, and many more. New merchants are added regularly.\"},{\"question\":\"Is there a minimum purchase amount?\",\"answer\":\"Yes, the minimum eligible purchase amount is 500 SAR. There is no maximum — Amwal works for large purchases too.\"},{\"question\":\"When does my first installment payment start?\",\"answer\":\"Your first installment is not due until 55 days after your purchase is confirmed, giving you a built-in grace period before repayments begin.\"},{\"question\":\"Will I still earn my Al Rajhi card rewards?\",\"answer\":\"Yes! You continue to earn all your Al Rajhi credit card rewards — points, cashback, and miles — on every purchase, even when paying through Amwal in installments.\"},{\"question\":\"Is Amwal installments Sharia-compliant?\",\"answer\":\"Yes. All installment plans processed through Amwal are fully Sharia-compliant and operate on Murabaha or Tawarruq principles, officially certified by the Saudi Central Bank (SAMA).\"}]},\"cta\":{\"title\":\"Ready to split your next purchase?\",\"description\":\"Thousands of shoppers in Saudi Arabia are already using Amwal to buy smarter. Join them today.\",\"startNow\":\"Start Shopping\",\"bookDemo\":\"I'm a Merchant\"}},\"snbInstallments\":{\"hero\":{\"badge\":\"Powered by SNB AlAhli\",\"title\":\"Shop Now,\",\"titleHighlight\":\"Pay at 0% with Amwal\",\"description\":\"At any Amwal-powered checkout, split your purchase into 3, 6, or 12 monthly installments using your SNB AlAhli credit card — always at 0% APR, zero extra fees, and instant approval.\",\"cta1\":\"Start Shopping\",\"cta2\":\"See How It Works\",\"stat1Value\":\"0%\",\"stat1Label\":\"APR Always\",\"stat2Value\":\"12\",\"stat2Label\":\"Months Max\",\"stat3Value\":\"0\",\"stat3Label\":\"Extra Fees\"},\"benefits\":{\"title\":\"True 0% — No Catches\",\"subtitle\":\"Amwal connects your SNB AlAhli credit card to any partner store checkout, giving you genuinely interest-free installments every time.\",\"items\":[{\"title\":\"Always 0% APR\",\"description\":\"Every plan — 3, 6, or 12 months — is 0% APR. No tiered pricing, no surprises based on which merchant you shop at.\"},{\"title\":\"Zero Extra Fees\",\"description\":\"No processing fees, no enrollment fees, no hidden charges. You pay only what you owe — nothing more.\"},{\"title\":\"One-Click at Checkout\",\"description\":\"Select Amwal at any partner store checkout to activate your SNB installment plan — no separate banking app needed.\"},{\"title\":\"Use Your Existing Card\",\"description\":\"No new card or application required. Just use the SNB AlAhli credit card you already have in your wallet.\"},{\"title\":\"Instant Approval\",\"description\":\"Get approved on the spot within seconds. Your order is confirmed and your installments start immediately.\"},{\"title\":\"Sharia-Compliant\",\"description\":\"All SNB Smart Payment Plan installments are SAMA-certified and fully compliant with Islamic Sharia principles.\"}]},\"plans\":{\"title\":\"Simple Plans, Always 0%\",\"subtitle\":\"Pick your preferred duration. All plans are 0% APR with no fees — the full purchase price, divided equally.\",\"monthlyPayment\":\"Monthly Payment\",\"apr\":\"Annual Rate\",\"minAmount\":\"Min. Amount\",\"noFees\":\"No Fees\",\"months\":\"months\",\"minPercent\":\"5% minimum monthly\",\"noteOffer\":\"12-month plan available until 31 December 2026\",\"noteMax\":\"Maximum of 4 active Smart Payment Plans per account\",\"noteLimit\":\"Maximum total of 100,000 SAR per merchant\",\"example\":{\"title\":\"Example\",\"purchase\":\"Purchase\",\"plan\":\"Plan\",\"monthly\":\"Monthly Payment\",\"totalFees\":\"Total Fees\",\"totalCost\":\"Total Cost\"},\"disclaimer\":\"* All figures shown are illustrative. Actual payment amounts and eligibility may vary depending on your card tier, merchant, and transaction value. Confirm final terms with SNB AlAhli before completing your purchase.\"},\"howItWorks\":{\"title\":\"How Amwal + SNB Works\",\"subtitle\":\"Three steps from browsing to approved — without leaving the checkout page.\",\"steps\":[{\"step\":\"01\",\"t
2itle\":\"Shop at a Partner Store\",\"description\":\"Browse and add items to your cart at any Amwal-powered merchant — online or in-store — with a minimum purchase of 1,000 SAR.\"},{\"step\":\"02\",\"title\":\"Choose Amwal at Checkout\",\"description\":\"Select Amwal as your payment method, enter your SNB AlAhli credit card, and choose your plan: 3, 6, or 12 months.\"},{\"step\":\"03\",\"title\":\"Approved Instantly\",\"description\":\"Get instant approval within seconds. Your order confirms, and you pay 5% of the converted amount each month at 0% APR.\"}]},\"partners\":{\"title\":\"Shop at Your Favorite Stores\",\"subtitle\":\"Use Amwal 0% installments powered by SNB AlAhli at top brands across Saudi Arabia.\",\"seeAll\":\"See All Partners\"},\"faq\":{\"title\":\"Frequently Asked Questions\",\"items\":[{\"question\":\"What is the SNB Smart Payment Plan via Amwal?\",\"answer\":\"The SNB Smart Payment Plan is a 0% APR installment program from Saudi National Bank (AlAhli). Through Amwal, this plan is activated automatically at partner merchant checkouts — so you can split any eligible purchase into 3, 6, or 12 monthly payments without ever leaving the checkout page.\"},{\"question\":\"Is it really 0% with no fees at all?\",\"answer\":\"Yes — all Smart Payment Plan options (3, 6, and 12 months) are at 0% APR with no processing fees, no enrollment fees, and no hidden charges. You pay only the original purchase amount, divided over your chosen period.\"},{\"question\":\"Which card do I need to use?\",\"answer\":\"You need an existing SNB AlAhli credit card. No new card or separate application is needed — Amwal works with the card you already have.\"},{\"question\":\"What is the minimum purchase amount?\",\"answer\":\"The minimum eligible purchase amount is 1,000 SAR. The maximum is 100,000 SAR per merchant under the Smart Payment Plan.\"},{\"question\":\"How much do I pay each month?\",\"answer\":\"Your minimum monthly payment is 5% of the converted transaction amount. For example, on a 3,000 SAR purchase, your minimum monthly payment is 150 SAR — at 0% interest.\"},{\"question\":\"How many plans can I have at once?\",\"answer\":\"You can have a maximum of 4 active Smart Payment Plans on your SNB account at any one time.\"},{\"question\":\"Is this Sharia-compliant?\",\"answer\":\"Yes. The SNB Smart Payment Plan is fully compliant with Islamic Sharia principles and is certified by the Saudi Central Bank (SAMA).\"}]},\"cta\":{\"title\":\"Ready to shop at 0% interest?\",\"description\":\"Amwal makes SNB's Smart Payment Plan available at checkout across hundreds of partner stores in Saudi Arabia.\",\"startNow\":\"Start Shopping\",\"bookDemo\":\"I'm a Merchant\"}},\"sabInstallments\":{\"hero\":{\"badge\":\"Powered by SAB Credit Cards\",\"title\":\"Shop Big,\",\"titleHighlight\":\"Pay in AQSAT with Amwal\",\"description\":\"Use your SAB credit card at any Amwal-powered checkout to convert purchases into equal monthly installments. Pay in 3, 6, 12, or 24 months — 0% APR on all short-term plans with low Tawarruq fees.\",\"cta1\":\"Start Shopping\",\"cta2\":\"See How It Works\",\"stat1Value\":\"0%\",\"stat1Label\":\"APR (3–12M)\",\"stat2Value\":\"24\",\"stat2Label\":\"Months Max\",\"stat3Value\":\"500\",\"stat3Label\":\"SAR Minimum\"},\"benefits\":{\"title\":\"Flexible Installments, Your Way\",\"subtitle\":\"Amwal brings SAB's AQSAT installment program to any partner store checkout — so you can split large purchases into equal monthly payments without delays.\",\"items\":[{\"title\":\"0% APR on Short Plans\",\"description\":\"Plans from 3 to 12 months carry 0% APR. Pay the original purchase price divided into equal monthly installments, plus a small one-time Tawarruq fee.\"},{\"title\":\"Low Tawarruq Fees\",\"description\":\"One-time nominal Tawarruq fee charged at conversion — from 56 SAR for 3 months. The 24-month plan has no processing fee.\"},{\"title\":\"Convert Any Purchase Above 500 SAR\",\"description\":\"Eligible from 500 SAR (3 \u0026 6 months) up to 95% of your credit limit. Larger purchases unlock longer plans.\"},{\"title\":\"Use Your Existing SAB Card\",\"description\":\"No new card or separate application needed. Use your current SAB credit card — excluding Corporate Cards, Umlaty, and My Card.\"},{\"title\":\"Equal Monthly Installments\",\"description\":\"Your purchase is divided into perfectly equal monthly amounts — no changing payments, no surprises throughout your plan.\"},{\"title\":\"Sharia-Compliant\",\"description\":\"All SAB AQSAT plans are Tawarruq-based, fully Sharia-compliant, and regulated by the Saudi Central Bank (SAMA).\"}]},\"plans\":{\"title\":\"AQSAT Plans \u0026 Fees\",\"subtitle\":\"Choose the right duration for your purchase size. 0% APR on 3–12 month plans.\",\"apr\":\"APR\",\"minAmount\":\"Min. Amount\",\"tawarruqFee\":\"Tawarruq Fee (one-time)\",\"months\":\"months\",\"freeTag\":\"No Fee\",\"popularTag\"
2:\"Most Flexible\",\"note1\":\"Tawarruq fee is charged once at the time of AQSAT conversion, not monthly\",\"note2\":\"Maximum amount is up to 95% of your available credit limit\",\"note3\":\"24-month plan carries a 12% annual profit rate included in the monthly payment\",\"disclaimer\":\"* All figures shown are illustrative examples based on SAB's published rates. Actual fees, APR, and installment amounts depend on your card tier, merchant, and purchase value. Confirm final terms with SAB before proceeding.\",\"example\":{\"title\":\"Example — 5,000 SAR Purchase\",\"tenor\":\"Tenor\",\"monthly\":\"Monthly Installment\",\"tawarruqFee\":\"One-time Tawarruq Fee\",\"apr\":\"APR\"}},\"howItWorks\":{\"title\":\"How AQSAT Works via Amwal\",\"subtitle\":\"A two-stage process: Amwal initiates the request at checkout, you confirm in your SAB app.\",\"highlight\":\"Important: AQSAT requires confirmation in SAB Mobile or SAB Online within 15 days of your purchase.\",\"steps\":[{\"step\":\"01\",\"title\":\"Pay at Checkout with SAB\",\"description\":\"Shop at any Amwal partner merchant and select your SAB credit card at checkout. Amwal captures the purchase and initiates the AQSAT conversion request on your behalf.\"},{\"step\":\"02\",\"title\":\"Confirm in SAB Mobile or Online\",\"description\":\"After 5 days (once the transaction posts), open SAB Mobile or SAB Online, navigate to your credit card, select the transaction, choose your preferred AQSAT plan, and accept the terms.\"},{\"step\":\"03\",\"title\":\"Installments Begin\",\"description\":\"Once confirmed, your purchase is split into equal monthly installments. Track and manage everything directly in your SAB Mobile app.\"}]},\"partners\":{\"title\":\"Shop at Your Favorite Stores\",\"subtitle\":\"Use Amwal AQSAT installments powered by SAB at leading stores across Saudi Arabia.\",\"seeAll\":\"See All Partners\"},\"faq\":{\"title\":\"Frequently Asked Questions\",\"items\":[{\"question\":\"What is SAB AQSAT and how does Amwal use it?\",\"answer\":\"SAB AQSAT is Saudi Awwal Bank's installment program that lets you convert SAB credit card purchases into equal monthly installments over 3 to 24 months. Amwal facilitates this at checkout — you pay with your SAB card, and Amwal initiates the AQSAT conversion request. You then confirm the plan in your SAB Mobile or SAB Online account within 15 days.\"},{\"question\":\"Why do I need to confirm separately in SAB's app?\",\"answer\":\"Unlike some banks where installments are activated instantly at checkout, SAB AQSAT requires the customer to confirm the plan through SAB's own banking channels (SAB Mobile or SAB Online). This is SAB's standard process — Amwal initiates the request, but the activation requires your confirmation with the bank within 15 days of the purchase.\"},{\"question\":\"What is the Tawarruq fee and how much is it?\",\"answer\":\"The Tawarruq fee is a one-time nominal charge applied at the time of converting your purchase to AQSAT. For a 5,000 SAR purchase: 3-month plan = 56.35 SAR, 6-month = 113.85 SAR, 12-month = 228.85 SAR. The 24-month plan has no Tawarruq fee, but instead carries a 12% annual profit rate.\"},{\"question\":\"What is the minimum amount I can convert to AQSAT?\",\"answer\":\"The minimum is 500 SAR for 3 and 6-month plans. For 12-month plans the minimum is 2,000 SAR, and for 24-month plans the minimum is 5,000 SAR. The maximum is up to 95% of your available credit limit.\"},{\"question\":\"When should I request the AQSAT conversion?\",\"answer\":\"You should request the conversion at least 5 days after the transaction date (to allow it to post) and no later than 15 days from the transaction date. Amwal prompts you at checkout, and you confirm via SAB Mobile or SAB Online.\"},{\"question\":\"Are there equal monthly payments throughout the plan?\",\"answer\":\"Yes. AQSAT divides your purchase into perfectly equal monthly installments for the full duration of your plan — no changing amounts, no surprises.\"},{\"question\":\"Is SAB AQSAT Sharia-compliant?\",\"answer\":\"Yes. All SAB AQSAT plans are based on the Tawarruq Islam
2ic financing structure and are fully certified by the Saudi Central Bank (SAMA) as Sharia-compliant.\"}]},\"cta\":{\"title\":\"Ready to shop and pay in AQSAT?\",\"description\":\"Amwal brings SAB's installment plan to your favorite stores — split big purchases into equal monthly payments starting today.\",\"startNow\":\"Start Shopping\",\"bookDemo\":\"I'm a Merchant\"}},\"alinmaInstallments\":{\"hero\":{\"badge\":\"Powered by Alinma Bank\",\"title\":\"Flexible Installments,\",\"titleHighlight\":\"Zero Profit via Amwal\",\"description\":\"Use your Alinma or Alinma Alfursan credit card at any Amwal-powered merchant to convert purchases into 3, 6, 9, or 12 equal monthly installments — with up to 100% profit margin waiver at partner stores.\",\"cta1\":\"Start Shopping\",\"cta2\":\"See How It Works\",\"stat1Value\":\"0%\",\"stat1Label\":\"Profit at Partners\",\"stat2Value\":\"12\",\"stat2Label\":\"Months Max\",\"stat3Value\":\"3–12\",\"stat3Label\":\"Month Options\"},\"benefits\":{\"title\":\"Why Amwal + Alinma?\",\"subtitle\":\"Amwal brings Alinma Bank's installment program to your favorite stores — split purchases into equal monthly payments with 0% profit at partner merchants.\",\"items\":[{\"title\":\"0% Profit at Partner Merchants\",\"description\":\"Enjoy up to 100% profit margin waiver at Amwal partner stores. Pay your purchase price split equally over your chosen number of months with zero added cost.\"},{\"title\":\"Unique 9-Month Option\",\"description\":\"Alinma offers a 9-month installment plan that most banks don't provide — giving you an extra flexible option between 6 and 12 months for mid-size purchases.\"},{\"title\":\"No Minimum Purchase\",\"description\":\"Zero-profit installments at select partner merchants require no minimum purchase amount — split even small purchases into equal monthly payments.\"},{\"title\":\"Two Eligible Card Types\",\"description\":\"Available on both the alinma Credit Card and the alinma Alfursan Credit Card (primary and supplementary cards), covering a wide range of Alinma cardholders.\"},{\"title\":\"Manage in Alinma App\",\"description\":\"View, activate, and track all your installment plans directly from the Alinma Mobile app — clean, simple, and always up to date.\"},{\"title\":\"Sharia-Compliant\",\"description\":\"All Alinma installment plans are built on Sharia-compliant structures, regulated by the Saudi Central Bank (SAMA) and certified by Alinma's Sharia board.\"}]},\"plans\":{\"title\":\"Installment Plans\",\"subtitle\":\"3, 6, 9, or 12 months — all at 0% profit at Amwal partner merchants.\",\"profitLabel\":\"Profit (Partner)\",\"otherMerchants\":\"Other Merchants\",\"months\":\"months\",\"zeroProfit\":\"0%\",\"bankRate\":\"Bank rate applies\",\"uniqueTag\":\"Unique Plan\",\"note1\":\"0% profit margin applies at participating Amwal partner merchants only\",\"note2\":\"For non-partner merchants, standard Alinma Bank profit rates apply — confirm with Alinma\",\"note3\":\"Available on primary and supplementary alinma Credit Cards and alinma Alfursan Credit Cards\",\"disclaimer\":\"* All figures shown are illustrative. Actual profit rates, eligibility, and monthly amounts may vary depending on your card tier, merchant, and purchase value. Confirm final terms with Alinma Bank before completing your purchase.\",\"example\":{\"title\":\"Example — 3,000 SAR Purchase at Partner Merchant\",\"plan\":\"Plan\",\"monthly\":\"Monthly Payment\",\"totalProfit\":\"Total Profit\"}},\"howItWorks\":{\"title\":\"How Alinma Installments Work via Amwal\",\"subtitle\":\"Two simple steps: Amwal processes your payment, you activate in the Alinma app.\",\"highlight\":\"Important: Alinma installments must be activated through the Alinma Mobile app after your purchase — activate within the eligible window shown in the app.\",\"steps\":[{\"step\":\"01\",\"title\":\"Pay at Checkout with Alinma\",\"description\":\"Shop at any Amwal partner merchant and select your alinma or alinma Alfursan credit card at checkout. Amwal processes your purchase and initiates the installment request with Alinma on your behalf.\"},{\"step\":\"02\",\"title\":\"Activate in Alinma Mobile App\",\"description\":\"Once your transaction posts, open the Alinma Mobile app, go to Credit Cards, select the transaction, choose your preferred plan (3, 6, 9, or 12 months), and confirm. Done in minutes.\"},{\"step\":\"03\",\"title\":\"Installments Begin\",\"description\":\"Your purchase is split into perfectly equal monthly installments for the full duration of your plan. Track everything in the Alinma app — no surprises, no hidden charges.\"}]},\"partners\":{\"title\":\"Shop at Partner Stores\",\"subtitle\":\"Use Amwal installments powered by Alinma Bank at top stores across Saudi Arabia — 0% profit, zero hassle.\",\"seeAll\":\"See All Partners\"},\"faq\":{\"title\":\"Frequently Asked Questions\",\"items\":[{\"question\":\"What is Alinma installments and how does Amwal use it?\",\"answer\":\"Alinma installments is a credit card installment program from Alinma Bank that lets you convert purchases into equal monthly payments over 3, 6, 9, or 12 months, with up to 100% profit margin waiver at partner merchants. Amwal integrates this at checkout — you pay with your Alinma card, Amwal initiates the request, and you activate the plan in the Alinma Mobile app after your transaction posts.\"},{\"question\":\"Why do I need to activate in the Alinma app after my purchase?\",\"answer\":\"Alinma's installment program requires the customer to confirm and select the plan through Alinma's own banking channels (Alinma Mobile app). Amwal initiates the request at checkout, but the final plan activation happens on your side in the app — this is Alinma's standard security and confirmation process.\"},{\"question\":\"What is the 9-month plan? Is it available everywhere?\",\"answer\":\"The 9-month installment option is unique to Alinma — most banks only offer 3, 6, or 12 months. It gives you a flexible middle-ground for mid-size purchases. Like all plans, it's available at Amwal partner merchants and is subject to the same 0% profit waiver at partner stores.\"},{\"question\":\"Which Alinma cards are eligible?\",\"answer\":\"The installment program is available on primary and supplementary alinma Credit Cards, and alinma Alfursan Credit Cards. It does not apply to debit cards or other Alinma card types.\"},{\"question\":\"Is there a minimum purchase amount for Alinma installments?\",\"answer\":\"For zero-profit installments at select partner merchants (like SACO and Alsaif Gallery), there is no minimum purchase requirement. For general installment conversions, standard Alinma Bank minimum amounts may apply — 
2confirm with Alinma for your specific card tier.\"},{\"question\":\"Are Alinma installments Sharia-compliant?\",\"answer\":\"Yes. All Alinma Bank installment plans are built on Sharia-compliant financing structures, regulated by the Saudi Central Bank (SAMA), and certified by Alinma's Sharia supervisory board.\"},{\"question\":\"Which merchants offer zero-profit Alinma installments through Amwal?\",\"answer\":\"Zero-profit installments (0% profit margin waiver) are available at select Amwal partner merchants. Alinma also has ongoing zero-profit campaigns at merchants like SACO and Alsaif Gallery. Check the Amwal partner store list for a full, up-to-date list of eligible stores.\"}]},\"cta\":{\"title\":\"Ready to split your next purchase?\",\"description\":\"Amwal brings Alinma Bank's installment plans to your favorite stores — 0% profit at partner merchants, activated in seconds.\",\"startNow\":\"Start Shopping\",\"bookDemo\":\"I'm a Merchant\"}},\"patentSecurity\":{\"seo\":{\"title\":\"Patented Passkey Authentication Security | Amwal Tech\",\"description\":\"Learn how Amwal's U.S. Patent 12,388,646 B2 extends OpenID security for passkey registration and authentication across web and native mobile devices.\",\"keywords\":[\"Amwal patent\",\"passkey authentication\",\"OpenID security\",\"passwordless authentication\",\"device identity\",\"US 12388646 B2\"]},\"hero\":{\"badge\":\"U.S. Patent 12,388,646 B2\",\"title\":\"A patented security layer for passkey identity\",\"description\":\"Amwal's patented protocols extend OpenID security to support secure passkey registration and authentication across web browsers and native mobile applications.\",\"button\":\"View the published patent\"},\"record\":{\"number\":{\"label\":\"Patent number\",\"value\":\"US 12,388,646 B2\"},\"issued\":{\"label\":\"Issued\",\"value\":\"August 12, 2025\"},\"assignee\":{\"label\":\"Assignee\",\"value\":\"Amwal Tech Inc.\"},\"inventor\":{\"label\":\"Inventor\",\"value\":\"Sameh Galal\"}},\"overview\":{\"eyebrow\":\"The invention, briefly\",\"title\":\"Extending OpenID for secure passkey flows\",\"description\":\"The patent describes systems and methods that decide between secure passkey registration and authentication, verify that requests are genuine, adapt the flow to the client device, and issue an authentication token for a secure network session.\",\"cards\":{\"openid\":{\"title\":\"OpenID extension\",\"description\":\"Adds secure registration semantics to an OpenID authorization flow, including a create mode used to initiate passkey registration.\"},\"devices\":{\"title\":\"Web and native mobile\",\"description\":\"Detects the client platform and supports browser-based experiences as well as native mobile operating-system SDKs.\"},\"passkeys\":{\"title\":\"Passkey authentication\",\"description\":\"Uses public-private key credentials and signed challenges so a user can authenticate without sending a reusable password.\"}}},\"flow\":{\"eyebrow\":\"Simplified protocol\",\"title\":\"How the secure flow works\",\"description\":\"The public patent describes a device-aware registration and authentication sequence. This diagram simplifies the core logic for a general audience.\",\"steps\":{\"request\":{\"title\":\"Secure the request\",\"description\":\"The authorization request is signed so the backend can verify it came from an authentic OpenID client.\"},\"detect\":{\"title\":\"Detect the device\",\"description\":\"The protocol identifies whether the request comes from a web browser or a supported native mobile client.\"},\"passkey\":{\"title\":\"Register or invoke a passkey\",\"description\":\"A create request provisions a passkey; an existing user instead receives a security challenge for authentication.\"},\"verify\":{\"title\":\"Verify and open a session\",\"description\":\"The signed challenge is checked with the stored public key before an authentication token initiates a secure session.\"}}},\"benefits\":{\"eyebrow\":\"Security principles\",\"title\":\"Designed around identity, device and proof\",\"description\":\"The patented approach combines standard protocols with device-native authentication capabilities to reduce reliance on reusable credentials.\",\"items\":{\"passwordless\":{\"title\":\"Passwordless by design\",\"description\":\"Passkeys rely on asymmetric cryptography rather than a password that must be repeatedly transmitted or remembered.\"},\"deviceAware\":{\"title\":\"Device-aware routing\",\"description\":\"The flow distinguishes web and native mobile clients so each can use the appropriate passkey registration and login mechanism.\"},\"signed\":{\"title\":\"Forge-resistant requests\",\"description\":\"Signed request parameters and challenge verification help the server establish that requests and responses are genuine.\"}}}
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