KSA-licensed commerce operator Pre-launch · Q3 cohort

Scale in KSA.
We handle the rest.

You're already selling in Saudi Arabia. Amna runs the local layer for you, so you keep your brand, your customer, and your margin.

Live in 2–4 weeks
ZATCA · VAT · SAMA-partnered
One contract, one statement
Cross-border
9:41•••
CHECKOUT
Classic Wool Coat
CHARCOAL · M
$420.00
Subtotal$420.00
Shipping (EU)$32.00
+ Customs dutiesat delivery
Total$452.00 +
Payment
VISA / Mastercard
Ships from EU · 10–18 days
Pay $452.00
01 The opportunity

The world's fastest-growing
e-commerce market.

Vision 2030 has rewritten Saudi consumer behaviour. Online spend is compounding — but local trust, payments, and compliance are uniquely high bars that keep most international brands stuck at cross-border.

Market size
$13B+
KSA e-commerce GMV
Annual growth
23%
Year-over-year e-commerce growth rate
Mobile-first
94%
Smartphone penetration in KSA
Local payments
7 in 10
Buyers prefer MADA, BNPL, or COD over foreign cards
Language
Arabic
Non-negotiable for buyer trust — copy and support
Time-to-live
6–9 mo 2–4 wk
Average alone vs. with Amna
02 Three ways into KSA

One that actually works.

What it really costs your brand to be in Saudi Arabia — measured layer by layer, not in marketing copy.

What matters Amna Shopify (DIY) Marketplaces
Your brand identity
Strong
Strong
Diluted
Local KSA trust
Strong
You build
Marketplace skin
MADA / BNPL / COD
Built in
You integrate
Marketplace handles
Arabic support, 7 days
Included
Hire and train
Marketplace skin
Returns & refunds
Operated
On you
Per SLA
VAT & ZATCA compliance
Operated
On you
Limited
Go-live speed
2–4 weeks
6–9 months
Weeks–months
Brand-owned customer data
Yours
Yours
Marketplace's
Marketplace

Fast listing, but commissions eat margin and your brand becomes a generic SKU. You never own the buyer.

Shopify DIY

Full control — and the full burden. Entity, payments, VAT, CS, returns all on you. 6–9 months in.

Amna

You keep brand, customer, and margin. We operate the local layer — licensed, in 2–4 weeks.

03 The licenses behind the operator

Every question your legal team will ask.
Already answered.

Amna operates as a Saudi entity. Brands transact, file, and remit through us. One contract, one statement.

KSA Commercial Registration

Licensed Saudi entity. Invoicing and contracting as a local seller of record on your behalf.

ZATCA e-Invoicing

Phase 2 integrated. Every transaction issued as a compliant Saudi e-invoice in Arabic.

VAT Registration

Filed and remitted by Amna. Your brand sees a single monthly statement.

SAMA-licensed payments

MADA via licensed acquirer · Apple Pay · Tabby & Tamara BNPL · COD reconciliation.

Consumer Protection

Saudi e-commerce law compliance, 7-day return rights, dispute mediation.

Data residency

Customer data hosted in-region. PDPL-aligned handling, end to end.

04 What Amna operates

Plug into your storefront.
We run the local layer.

Keep your Shopify, WooCommerce, or custom storefront. Amna operates the three things that decide whether a Saudi buyer trusts and returns — checkout, shipping, and support.

Shipping & Returns

Next-day
Order placed
10:42 — Riyadh
In transit
Local courier · 24h
3
Out for delivery
Tomorrow, 10–12 AM
Free returns at 600+ pickup points
  • Next-day delivery in major cities
  • Local pickup & drop-off returns
  • COD reconciliation included

Checkout

EN / عربي
CHECKOUTSAR
Mada · ···· 4521
Tabby — split in 4
Cash on Delivery
ادفع ١,٥٧٥ ر.س
  • Mada · Apple Pay · BNPL · COD
  • VAT itemized, locally invoiced
  • Returns at 600+ pickup points

Support

WhatsApp
مرحبا، أريد إرجاع منتج
بالتأكيد، سأرسل لك رابط الإرجاع الآن.
2 min response
  • 7-day Arabic + EN agents
  • Local KSA toll-free number (+966)
  • Avg first response: 6 min
05 You own the customer

Your customer.
Always your relationship.

Unlike a marketplace, Amna never sits between you and your buyer. We split customer service into two channels — so you keep the brand relationship while we handle what touches compliance, trust, and money.

Amna handles · Trust & compliance

Disputes, returns & refunds.

Anything that touches payments, regulators, or buyer protection runs through us — in Arabic, locally, on a KSA toll-free line.

  • Returns & refund requests
  • Payment, billing & VAT disputes
  • Delivery & logistics issues
  • Regulator & consumer-protection escalations
So your local reputation stays clean — and you stay compliant.
You handle · Brand & relationship

Product, fit & everything else.

All the conversations that build brand loyalty stay with you — same channels, same tone, same CRM. We hand off cleanly, with full order context.

  • Product questions, fit & sizing
  • Style advice & recommendations
  • Loyalty, VIP & concierge programs
  • Marketing, retention & CRM
So your customer never feels like they're talking to a third party.
06 Cross-border payouts

Get paid in 48 hours.
Not 30 days.

We collect in SAR, settle to your home currency at mid-market FX, and pay out on a fixed weekly schedule. No flagged cross-border holds, no surprise FX spread.

Typical cross-border
15–30 days
to receive funds
3–5%
hidden FX spread
Bank holds
flagged cross-border merchant flows
With Amna
48 hrs
fixed weekly payouts
Mid-market
institutional FX rate
Purpose-built
payout rails for e-commerce
07 Who's behind Amna

Built by Silicon Valley
and KSA founders.

Global product DNA, on-the-ground Saudi execution. The team mirrors the product.