Your payment gateway integration is probably not guaranteeing you the best approval rate and operational efficiency.
Most integrations are set up to work — not to perform. The difference shows up in your approval rates, decline reasons, pending transactions, and customers quietly dropping off at checkout.
No commitment. 30 minutes. You'll leave with clarity.
Why you still need a specialist
Your gateway docs won't tell you this.
High decline rates with no clear reason
A technically successful integration can still produce poor approval rates. The difference is in how authentication, retries, and routing are configured — not just whether the API responds.
Payments stuck in pending status
No fallback mechanism. When a transaction doesn't resolve, it hangs. Without proper handling, your ops team chases orders manually and customers don't know if they've been charged.
3DS loops blocking real customers
3DS2 behaves differently across browsers, devices, and issuing banks. A broken authentication flow is invisible in sandbox — it only surfaces when real customers can't complete a purchase.
Wrong setup for your market
MENA payment behavior is specific. Mada, KNET, Benefit, and STC Pay each have requirements that differ from standard Visa/Mastercard flows. Generic setups miss these entirely.
No test coverage for edge cases
Most integrations are tested for the happy path. Partial auths, network timeouts, issuer downtimes, and 3DS friction are discovered in production — by real customers.
Expanding into a new MENA market
Each market has its own preferred methods, regulatory nuances, and user expectations. What works in the UAE doesn't always translate cleanly to KSA or Kuwait.
We don't just integrate payments — we take responsibility for getting them right.
What we integrate
Every major payment method, done properly.
Card payments
- —Visa & Mastercard
- —3DS2 authentication
- —Tokenization
- —Network tokens
- —Hosted pages vs. API
- —Decline optimization
- —Payment links
Apple Pay & wallets
- —Apple Pay (web & in-app)
- —Google Pay
- —STC Pay
- —Merchant validation
- —Domain & cert setup
Local payment methods
- —Mada (KSA)
- —KNET (Kuwait)
- —Benefit (Bahrain)
- —OmanNet (Oman)
- —UAEFTS & local rails
BNPL
- —Tabby
- —Tamara
- —Postpay
- —Eligibility flows
- —Refund & dispute handling
Other APMs
- —Bank transfers
- —Cash-based methods
- —PayPal
- —Open banking
- —Redirect flows
What we take care of
Everything between "let's integrate" and "we're live."
Reviewing your requirements
Understanding your business model, target markets, transaction volumes, and edge cases — before a single line of code is written.
Proposing a timeline and cost
A clear, scoped proposal — no vague estimates, no surprise additions mid-project.
Adhering to industry standards
PCI-DSS, 3DS2 compliance, SCA requirements, and gateway-specific certification standards — all handled correctly from the start.
Integration best practices for a stable build
Idempotency keys, proper webhook handling, retry logic, and clean API implementation that won't break under load or edge conditions.
Fallback mechanisms for every scenario
What happens when 3DS fails? When the network times out? When a transaction lands in pending? Every path is handled — your customers never hit a dead end.
Test cases to catch issues before go-live
A comprehensive suite covering happy paths, failure scenarios, partial auths, declines, and 3DS friction — so nothing surprises you in production.
Go deeper
Where to start
Payment gateway integration
What a production-grade integration includes, the checklist we follow and where integrations break.
Payments in Saudi Arabia
Mada, Apple Pay, STC Pay, BNPL, SAR pricing and Arabic checkout for KSA.
Approval rate optimization
Decline analysis, 3DS friction, retries and routing, with a prioritized fix list.
Why MotionPexels
Not a generalist. A specialist.
in payments and payment technology, including as Director of Solutions Engineering at Checkout.com, working with merchants across MENA
Deep focus on Middle East markets, local payment methods, and regional requirements
Who you’ll work with
Layth Mohammed, Founder
About nine years in payments and payment technology, including as Director of Solutions Engineering at Checkout.com, working with merchants across MENA. Expertise in payment acceptance and approval rates, 3DS2, local payment methods (Mada, KNET, Benefit, OmanNet), wallets, BNPL and payment operations.
Layth Mohammed on LinkedIn"We'd been going in circles on our 3DS flow for weeks. It was resolved in one session. Wish we'd reached out sooner."
— Founder, UAE-based e-commerce startup (name withheld)
Frequently asked questions
Which payment gateways do you integrate in the MENA region?
We integrate all major MENA gateways and methods including Visa/Mastercard with 3DS2, Apple Pay, Google Pay, STC Pay, Mada (KSA), KNET (Kuwait), Benefit (Bahrain), OmanNet, and BNPL providers like Tabby, Tamara, and Postpay.
Why do payment integrations have high decline rates?
High decline rates often stem from improper 3DS2 configuration, missing fallback flows, incorrect routing, and a lack of optimization for issuing-bank behavior — not from the cards themselves.
How do you handle pending transactions?
We implement proper webhook handling, idempotency keys, retry logic, and explicit fallback mechanisms so transactions never hang in pending status without resolution.
Can you improve a payment integration that is already live?
Yes. We review how your current setup handles 3DS2, retries, fallbacks and pending payments, then prioritize the fixes that affect approval rates most. You do not need to rebuild from scratch.
How much does a payment integration cost?
It depends on how many payment methods you need, whether you use hosted pages or a direct API integration, and how much existing code has to change. After a short discovery call we send you a scoped estimate.
Who will I work with?
You work directly with Layth Mohammed, our founder. He has about nine years in payments and payment technology, including as Director of Solutions Engineering at Checkout.com, working with merchants across MENA.
Ready?
Let's talk about your payments.
Starting from scratch or something's underperforming — book a free 30-minute call and leave with a clear path forward.
Pricing discussed on the call based on your scope.