Last updated: 27 July 2026

Available Payment Methods

Available payment methods will be displayed during checkout and may include:

• Debit or credit cards
• Mada
• Apple Pay or digital wallets
• Buy-now-pay-later providers
• Cash on delivery
• Other payment options made available by our payment partners

Availability may depend on the order, location, device, payment provider, and customer eligibility.

Prices and VAT

All consumer-facing prices are displayed in Saudi riyals and include applicable VAT, unless clearly stated otherwise. ZATCA guidance requires consumer prices to be presented consistently on a VAT-inclusive basis.

Any shipping charge, cash-on-delivery fee, or other applicable charge will be shown before the order is completed.

Online Payments

By submitting an online payment, the customer confirms that:

• They are authorised to use the selected payment method.
• The information supplied is correct.
• Sufficient funds or credit are available.
• The transaction is not fraudulent or unauthorised.

Payments may be processed by third-party payment gateways, banks, card networks, digital wallets, or instalment providers.

39riyal.com generally does not directly receive or store complete payment-card details when payments are processed by authorised payment providers.

Cash on Delivery

Where cash on delivery is available:

• A SAR 15 cash-on-delivery fee may apply.
• A valid mobile number is required.
• A complete delivery address is required.
• We may contact the customer to confirm the order.
• Unconfirmed orders may be held or cancelled.
• Cash on delivery may not be available for every customer, location, product, or order.

Repeated refusal or non-collection of cash-on-delivery orders may result in the payment method being restricted for future orders.

Payment Verification

We may request additional verification where an order appears unusual, incomplete, high-risk, or potentially unauthorised.

An order may be delayed or cancelled if the requested verification is not provided.

Payment Failures

A payment may fail because of:

• Insufficient funds
• Incorrect card information
• Bank restrictions
• Security verification
• Digital-wallet errors
• Payment-provider interruption
• Technical problems

Customers should contact their bank or payment provider where payment has been declined.

Refunds

Approved refunds will be submitted through the applicable refund method.

The time required for a refund to appear may depend on the customer’s bank, card issuer, payment gateway, digital wallet, or payment provider.

Cash-on-delivery refunds may require valid bank-account information from the customer.