The Complete FinTech Stack
For Saudi banks, PSPs, fintechs and retailers: digital banking, wallets, payment gateways, PSP/EMI infrastructure and onboarding, built around SAMA requirements. FRESME is the technology partner that builds it for you, end to end.
Integrated with leading payment rails & networks
Our Solutions
Eight Pillars of FinTech Excellence
A complete, modular platform — deploy one product or the full stack. Each solution is engineered around SAMA requirements, Arabic-native and enterprise-grade.
Digital Bank
Full-stack digital banking infrastructure — ledger, accounts, lending and open APIs, engineered around SAMA requirements.
ExploreDigital Wallet
Consumer & business e-wallets with loyalty, multi-currency, and instant P2P transfers.
ExplorePayment Gateways
One gateway for mada, Apple Pay, cards and SADAD — with routing, fraud controls and reconciliation.
ExplorePayment Platforms
One payments hub for SARIE, SWIFT, bulk and payroll payments — ISO 20022 routing, screening and reconciliation.
ExploreDigital Onboarding
Document and face checks, liveness, Nafath verification through your access, AML screening and account-opening journeys.
ExploreATM & POS
ATM monitoring, POS terminal management, cash forecasting and switching to the mada network.
ExploreDigital Money
E-money issuance, safeguarding reconciliation, multi-currency accounts and cross-border transfers on one ledger.
ExplorePSP / EMI Solutions
The technology to run a payment or e-money business — merchant onboarding, settlement, AML monitoring and reporting, designed around SAMA requirements.
ExploreCapabilities
Nine capabilities. One set of platforms.
Each capability combines our platforms for a specific job — and five of them come with standalone FRESME products.
Open Banking
Consent, account and payment APIs, and a developer portal.
Payment Orchestration
Connect every provider once and route each payment.
Wallet as a Service
Embed a wallet in the app you already run.
Borderless Commerce
Local checkout and settlement for every market.
White-label ATM Networks
Run an ATM network under your own brand.
With CashFleetCo-branded Banking
Banking programmes with clubs, stars and brands.
With Bank of FameIn-video Checkout
Let viewers buy what they see without leaving the video.
With AdJingoTourism & Travel Payments
Visitor wallets and travel money for tourism and pilgrimage.
With Saudi Tourist Pay & AI-WaLoyalty & Rewards
Points, tiers, vouchers and a merchant redemption network.
With RewardLayerOur FinTech products
Ready-made FinTech products
Each product has its own page with what it does, who it is for and how we set it up.
How we work
We build the technology. You hold the licence.
FRESME is a technology partner. We design, build and run fintech platforms for banks, payment providers and enterprises — the licence and the regulated activity stay with you.
Your licence
You — or your licensed partner — hold the bank, PSP or EMI licence from SAMA and own the customer relationship.
Our technology
We deliver the platform: core systems, integrations, security controls and documentation, engineered around SAMA requirements.
Your approval, supported
We support your sandbox, testing and certification process with technical evidence and documentation.
FRESME is a technology provider. It is not a bank, payment service provider or e-money institution, and is not licensed or approved by the Saudi Central Bank (SAMA).
Why FRESME
Enterprise FinTech, Saudi DNA
We don't just deploy technology — we partner with you from licensing to launch, with deep GCC market expertise.
GCC-Wide Coverage
One platform, one integration — live across Saudi Arabia, UAE, Bahrain, Kuwait, and beyond.
Regulatory-First
Engineered around SAMA, CBUAE and PCI-DSS requirements — a strong technical foundation for your licensed entity’s own approvals.
Fast API Responses
Enterprise infrastructure with fast API responses, running on FRESME’s own servers in Saudi Arabia.
Vision 2030 Aligned
Directly supporting cashless economy, financial inclusion, and SME empowerment goals.
What We Build
Platform Capabilities
Every component is designed to enterprise standards — built for regulated environments, Arabic-native, and designed around GCC regulators’ requirements.
FAQ
Frequently Asked Questions
What banks, PSPs and enterprises usually ask us before we start.
Talk to our teamFRESME provides a comprehensive suite of enterprise FinTech solutions — payment gateways, digital wallets, digital onboarding (eKYC/KYB), digital core banking, ATM/POS terminal systems, payment platforms, PSP/EMI turnkey infrastructure and digital money platforms — engineered around SAMA requirements and Vision 2030 goals.
FRESME is a technology partner — we are not a bank, PSP or e-money institution, and we are not licensed or approved by SAMA. Our solutions are engineered to support the Saudi Central Bank (SAMA) framework — including Open Banking standards, the Personal Data Protection Law (PDPL), National Cybersecurity Authority (NCA) controls and AML/financial-crime requirements — so that licensed institutions can deploy them under their own regulatory approvals.
Yes. FRESME offers turnkey, production-grade switch adapters for mada debit, Sarie instant payments, SADAD billing, STC Pay, Urpay and Apple Pay. They come with automated real-time reconciliation and ISO 20022 messaging, so payments are matched to your ledger as they happen and your finance team does not reconcile by hand.
Absolutely. We operate on a consultative and modular architecture model; you can deploy a standalone component or the entire full-stack platform tailored to your specific business logic, whether you are a tier-1 bank, a FinTech startup, or an enterprise group.
Turnkey integration modules can be deployed and operational within 4 to 8 weeks, while full custom core digital banking systems or licensed EMI deployments typically take 3 to 9 months, including regulatory sandbox testing.
Used by businesses across Saudi Arabia and the region
Talk to us about FRESME FinTech
Tell us a little about your business in Saudi Arabia. We reply within 2 hours to set up a call or a demo.
What happens next
- 1We reply within 2 hours by phone, WhatsApp or email.
- 2A short call to understand your business and what you need.
- 3A demo or a written proposal, depending on the product.
Ready to Build?
Let's build your FinTech infrastructure
Whether you're launching a digital bank, enabling payments, or building regulated FinTech infrastructure — our team is ready to partner from licensing to live in market.