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.

Entering through retail partners instead of D2C? Amna operates the local layer for wholesale too →

Get early access →
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
Amna
9:41•••
إتمام الشراء
معطف صوف كلاسيكي
رمادي · M
١,٣٧٠ ر.س
المجموع الفرعي١,٣٧٠ ر.س
ضريبة القيمة المضافة (١٥٪)٢٠٥ ر.س
الشحن — اليوم التاليمجاني
الإجمالي١,٥٧٥ ر.س
طريقة الدفع
Mada, Visa, Mastercard, Apple Pay, Google Pay, Tabby, and COD
توصيل ٢٤ ساعة · إرجاع محلي مجاني
ادفع ١,٥٧٥ ر.س
01 The problem we solve

Everything you need to sell in KSA.
Without the license. Without a distributor.

A local commercial license costs millions upfront, and still taxes and regulates you as a foreign entity. A distributor takes your customer, your data, and your margin to slow payouts and high fees. Amna gives you the entire local layer through one integration, while you keep the brand and the relationship.

Local payments, built in

Mada, Visa, Mastercard, Amex, Apple Pay, Google Pay, STC Pay, Tabby, Tamara, and Cash on Delivery. The methods Saudi buyers actually use.

Compliance & filings

Commercial registration, VAT, and ZATCA e-invoicing, all handled as a licensed Saudi entity on your behalf.

Warehousing & delivery

Local stock, next-day delivery in major cities, and a returns network across 600+ pickup points.

Fast, predictable payouts

Fixed weekly payouts that land within 48 hours, at mid-market FX. No multi-month distributor holds, no hidden FX markup, no rolling delays.

Low fees, healthy margins

A GMV take rate materially lower than marketplaces and distributors. Structured so your profit margins stay strong for a long-term partnership with Amna.

Lower effective tax

Transact at local Saudi rates instead of carrying the foreign tax burden you'd face going it alone.

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, cards & wallets / 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
Fees & effective tax
Low GMV rate · local rates
Foreign tax · high setup
High commissions
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 · Visa, Mastercard & Amex · Apple Pay & Google Pay · STC 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 · Visa / Mastercard · Apple Pay · Google 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

Predictable weekly payouts.
Funds in your account within 48 hours.

We collect in SAR and convert to your home currency at mid-market FX on a fixed weekly schedule. Each payout lands within 48 hours. Distributors and banks often hold your money for months and charge a higher FX spread.

Typical cross-border
Months
distributor or bank holds
3–5%
hidden FX spread
Bank holds
flagged cross-border merchant flows
With Amna
Weekly
predictable payout schedule
48 hrs
funds in your account per payout
Mid-market
FX vs distributor markup
AmnaPay

Repatriate KSA revenue. Spend it globally.

Built for brands that struggle with local bank restrictions on cross-border merchant flows. Collect in SAR, move money at low FX, and optionally spend from an AmnaPay wallet without fighting your home bank on every transfer.

Low-FX repatriation

Weekly settlements converted at mid-market FX, with none of the hidden spread typical banks and distributors add on cross-border brand flows.

AmnaPay wallet & dashboard

Track balances, settlements, and remittance in one client dashboard. Send money worldwide when you need to, without routing every payment through your local bank.

Virtual cards (optional)

Prefunded virtual cards accepted in MENA and worldwide. Pay for ads, logistics, agencies, and ops spend directly from your KSA-linked balance.

Wallet and virtual cards are optional add-ons, available after onboarding and subject to eligibility and KYC.

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.

08 Q&A

Questions brands ask
before they launch.

What is Amna?

Amna is a KSA-licensed commerce operator. We run the local layer (entity, payments, VAT, Arabic support, shipping, and returns) while you keep your brand, storefront, and customer relationship.

Do I need a Saudi license or entity?

No. Amna operates as the licensed Saudi seller of record on your behalf. You plug into your existing Shopify or custom storefront; we handle compliance, filings, and local operations under one contract.

How long does it take to go live?

Integrating with Amna's systems takes 2–4 weeks from signed agreement: entity setup, payments, checkout, and local operations. That compares to 6–9 months if you build the local stack yourself. Many brands take longer overall while they finalize Arabic creatives, launch marketing and ad campaigns, or coordinate changes with logistics partners outside Amna's scope.

Is Amna a logistics company? Do you warehouse and ship products?

No. Amna is not a 3PL and we don't operate our own warehouses. We have integrations and relationships with leading Saudi 3PL and logistics providers. Our aim is for you to keep your existing logistics partner. We connect the local commerce layer around how you already ship.

Who owns the customer relationship?

You do. Amna never sits between you and your buyer. We handle compliance-heavy support (returns, refunds, and payment disputes) while you keep product, brand, and loyalty conversations.

Do we get dedicated customer support numbers and channels?

Yes. Each brand gets two sets of customer service numbers, email addresses, and chat channels. The first set is operated by Amna for cancellations, returns, and refunds, removing that burden from your team while supporting local compliance and buyer satisfaction. The second set is yours for product inquiries and general brand questions. A local Saudi number is allocated for each and can be set up to redirect to your customer service team or WhatsApp.

What payment methods are included?

Mada, Visa, Mastercard, Amex, Apple Pay, Google Pay, STC Pay, Tabby, Tamara, and Cash on Delivery, settled and reconciled through Amna as a SAMA-licensed payment partner.

How do payouts work?

Amna collects in SAR and runs payouts on a fixed weekly schedule through AmnaPay. Once initiated, funds typically reach your account within 48 hours, converted at mid-market FX. One monthly statement covers VAT, fees, and remittance.

What is AmnaPay?

AmnaPay is Amna's cross-border money layer for brand payouts: low-FX repatriation, a client dashboard for settlements and remittance, and optional wallet and virtual cards so you can spend globally without relying on your local bank for every cross-border payment.

Is a cash reserve or float required?

Yes. A reserve is required to support our weekly payout cycle and 48-hour settlement. The amount is calculated from rolling GMV averages and factors such as return rates. It protects buyers and Amna from high refund and return volumes, while staying fair to brands and aligned with how you'd manage reserves in your own accounting.

What does it cost?

Amna charges a one-time setup fee plus a take rate on GMV. Early cohort brands receive a significantly discounted setup fee and GMV rate. Our pricing is materially lower than most marketplaces, distributors, and DIY local-stack options, structured so your margins stay healthy for the long term. We're built for longevity: partners who stay profitable stay with Amna. Submit the form below and we'll send a localized P&L for your top SKUs within 48 hours.