FAQ - Partner Payments
What is a partner?
Anyone your company pays: a supplier, contractor, landlord or service provider. Save them once and pay them again any time.
What's the difference between partners and beneficiaries?
Beneficiaries store a name and IBAN for basic transfers. Partners add verified payment details, full contact information, several payment methods per partner, linked payment history and profile-completeness tracking. You can move existing beneficiaries to Partner Hub.
Can a partner have more than one bank account?
Yes. A partner can have several payment methods (local, international, SiFi), and you choose one each time you pay.
Can I add a partner without bank details?
Yes. Only the name is required. Add payment methods later.
Can I group partners?
Not yet. Use clear names and aliases (e.g. "Monthly vendor") and search by them.
Can I merge two entries for the same partner?
Not yet. Keep the one with the most complete profile and history and delete the other. See "IBAN already registered to another partner".
Payments
What are the ways to pay?
Internal (SiFi to SiFi), local (Saudi bank account), SWIFT (international), or from an invoice.
How fast do payments arrive?
| Transfer type | When it arrives |
|---|---|
| Internal (SiFi to SiFi) | Instantly, any amount, free |
| Local, up to SAR 20,000 | Instantly (IPS) |
| Local, over SAR 20,000, sent 8 AM – 3 PM on a working day | Same day, usually within 2 hours (SARIE) |
| Local, over SAR 20,000, sent after 3 PM, at weekends or on public holidays | Next working day (T+1) |
| SWIFT (international) | 1–3 business days |
My local transfer wasn't instant. Why?
Either the amount was over SAR 20,000 (it goes through SARIE), or you sent it after 3 PM, at the weekend or on a public holiday.
How much do payments cost?
Internal transfers are free. For local and SWIFT payments, any fee is shown before you send.
My partner received less than I sent. Why?
This happens with SWIFT when fees are deducted along the way (SHA or BEN). To make sure they receive the full amount, choose OUR.
Can I pay in another currency?
Yes, for SWIFT payments.
Can I cancel a transfer? Yes, as long as it hasn't been paid yet. Open the transfer and click Cancel transfer (next to Pay now). The person who created it, Admins and Finance Managers can cancel. Once a transfer is Paid, it can't be cancelled; contact support straight away if you need to recall it.
Can I schedule or repeat transfers?
Not yet. Each transfer is sent when it's authorised.
Payment methods & verification
Why does my payment method show "Pending activation"?
SiFi checks the account before activating it. Local IBANs are checked instantly; if it stays pending, check the name and IBAN. SWIFT checks can take longer. See "Activate and verify a payment method".
Why verify an account?
It confirms the account belongs to the right partner and protects you from fraud and failed payments. It happens once per account.
Approvals & security
Why does my payment say "Pending approval"?
Your company requires approval for it. It's sent automatically once approved.
Is Partner Hub available in Arabic?
Yes. Switch the language at the top of the page.
Web and mobile
| Feature | Web | Mobile app |
|---|---|---|
| View and search partners | Yes | Yes |
| Create, edit or delete a partner | Yes | Yes |
| Add a payment method | Yes | Yes |
| Send a local transfer | Yes | Yes |
| Send an internal (SiFi) transfer | Yes | No (web only) |
| Send a SWIFT transfer | Yes | No (web only) |
| View payment history | Yes | Yes |
Getting help
- Ask Musa'ed in the left sidebar for instant help.
- Action Center in the left sidebar shows items waiting for you.
- Email support@sifi.sa, in Arabic or English.