Hesabe Payment Gateway

Accept every payment.
Everywhere.

One integration connects your website or app to KNET, global card networks and digital wallets — with bank-grade security and settlement you can track in real time.

Get started → View documentation
  • ✓ PCI-DSS certified
  • ✓ Accept transactions globally
  • ✓ White-label checkout
🔒 checkout.hesabe.com
Your Store Secure checkout
KD 25.000 · Order #2417
KNET Visa Apple Pay Google Pay Samsung Pay American Express
Pay KD 25.000
🔒 Encrypted · PCI-DSS · Hesabe
✓Payment receivedjust now
KNET · KD 25.000
8payment methods, one integration
2.50%KNET rate + 0.500 KWD
PCI-DSScertified & encrypted end-to-end
Globalcard acceptance, KWD settlement

Payment methods

Every way Kuwait pays — and the world too

One integration, eight ways to get paid. Local debit, global credit and every major wallet.

KNET KNET Kuwait's debit network · 2.50% + 0.500 KWD
Visa Visa Global credit · 3.95% + 0.500 KWD
Mastercard Mastercard Global credit · 3.95% + 0.500 KWD
American Express American Express 4.0% + 1.000 KWD
Apple Pay Apple Pay On KNET & credit rails
Google Pay Google Pay Credit-card rate applies
Samsung Pay Samsung Pay Credit-card rate applies
T-PAY T-Pay (Tijari Pay) 2.50% + 0.500 KWD

Features

Built for serious online business

We prioritize security, reliability and ease-of-use — a seamless payment experience for businesses and customers alike.

Checkout

A payment page that closes the sale

Customers pay with KNET, Visa, Mastercard, American Express, Apple Pay, Google Pay, Samsung Pay or T-Pay — on a fast, encrypted checkout that works beautifully on any device.

  • ✓Every local + global methodDebit, credit and wallets in one flow.
  • ✓3-D Secure authenticationVerified by Visa and Mastercard SecureCode.
🔒 checkout.hesabe.com
Hesabe hosted checkout page

White-label

Your brand on every payment

White-label the checkout with your logo and your own terms and conditions placed within the page design. With Sender ID, even SMS payment links arrive under your merchant name.

  • ✓Custom brandingLogo, terms and identity on the page.
  • ✓Sender IDLinks sent under your business name.
🔒 pay.your-brand.com
⬢ Your BrandPowered by Hesabe
Cardholder name A. Almutairi
Card number •••• •••• •••• 4417
Confirm payment

Visibility

Every transaction, fully explained

Reports show status, type, commission breakdown and whether the payment was transferred — in real time. Refunds take one click from the dashboard or the app.

  • ✓Real-time trackingFrom authorization to settlement.
  • ✓KNET & card breakdownsPer-transfer detail in the report list.
🔒 merchant.hesabe.com
Hesabe merchant dashboard with live reports

How it works

Live in three steps

Connect

Integrate with our REST API or drop in an eCommerce plug-in — including the Hesabe app for Shopify-powered stores.

Test

Build against the sandbox with full documentation at developer.hesabe.com, then certify your flows.

Go live

Flip your keys to production and start accepting payments — with reports and refunds in the Merchant Panel from day one.

Explore the developer experience →

Pricing

Fees in the open

Published fees and commission structure as per Central Bank of Kuwait — Effective July 29, 2025.

KNET debit 2.50% + 0.500 KWD

Per transaction — including KNET Apple Pay.

Visa · Mastercard 3.95% + 0.500 KWD

Per transaction — including Apple Pay, Google Pay and Samsung Pay.

American Express 4.0% + 1.000 KWD

Per transaction, on the same gateway.

Gateway setup 500 KWD per network · 50 KWD monthly subscription · Beneficiary: Hesabe Company for Electronic Payments & Settlements

See the full CBK fee schedule

Security

Compliance is the foundation

Placing regulatory compliance at the forefront of our success reassures the commitment of delivering a secure digital solutions platform.

🛡️

PCI-DSS certified

Independently certified to the Payment Card Industry Data Security Standard — verify our certificate via the SISA link in the footer of every page.

🔐

Encrypted end-to-end

Hesabe encrypts confidential information so you can rest assured your data — and your customers' — is safe in transit and at rest.

✅

3-D Secure authentication

Card transactions are authenticated with Verified by Visa and Mastercard SecureCode, so customers transact on a recognized, secure checkout.

“
Hesabe leads in customer service — any obstacle was solved within minutes.
Saoud Mal Allah — Amber Oud

FAQ

Payment Gateway questions

Which payment methods can my customers use? +

KNET debit (including KNET Apple Pay), Visa and Mastercard credit (including Apple Pay, Google Pay and Samsung Pay), American Express, and T-Pay (Tijari Pay) — all through one integration.

Is the gateway secure? +

Hesabe is PCI-DSS certified and encrypts confidential information end-to-end. Card transactions are authenticated with 3-D Secure (Verified by Visa / Mastercard SecureCode), and regulatory compliance sits at the forefront of everything we process.

How do I integrate it with my store? +

Through our REST API or developer-friendly eCommerce plug-ins — including the Hesabe app for Shopify-powered stores. Full documentation lives at developer.hesabe.com, and our team supports you through certification and go-live.

How do refunds work? +

Simple refunds are available through the Hesabe Application or the Merchant Web Panel, and every refund is reflected in your transaction reports.