TotalPay obtains SAMA approval to join Saudi Arabia digital payments race

July 8, 2026
3 min read

TotalPay becomes the first Indian firm cleared by SAMA as an e-commerce payment technical service provider in Saudi Arabia.
The license lets the company launch payment gateway and orchestration services for merchants across the Kingdom.
Saudi Arabia reached 85 percent electronic retail payments in 2025, up from 79 percent the prior year.
Founded in 2022, TotalPay has served over 1,500 businesses and processed more than one billion dollars.

TotalPay obtains SAMA approval to become the first Indian firm cleared for this role in the Kingdom. The Saudi Central Bank granted the license so the company can serve merchants across Saudi Arabia. You now watch an Indian fintech enter one of the region’s fastest digital payment markets. Regulators approved TotalPay as an e-commerce payment service provider under strict local compliance rules. The clearance lets the firm run payment gateway and orchestration tools for local businesses. Merchants gain a single platform to manage and improve their Saudi Arabia digital payments each day. The firm works closely with banks, financial institutions, and technology partners across the Kingdom. Payment orchestration lets a single platform route transactions through several providers with less daily friction. Local businesses save time when one system handles cards, wallets, and bank rails together.

Why TotalPay obtained SAMA approval at the right time

TotalPay obtains SAMA approval at a moment when the Kingdom pushes hard toward a cashless economy. Electronic payments reached 85 percent of all retail transactions in 2025 across the country. You can see the rise from 79 percent recorded during the previous full year. The Kingdom targets 80 percent non-cash transactions by 2030 under its Vision 2030 plan. Point-of-sale terminals across the country reached close to two million active units by 2025. Digital wallet users across the Kingdom grew past 14 million people during the same year. E-commerce sales keep climbing as more Saudi shoppers pick cards and wallets over cash. This rising demand gives new payment firms a strong reason to enter the Kingdom. Co-founders Akif Mohsin and Rahim Pattarkadavan said they feel “incredibly proud of our team.” They also thanked SAMA for its clear guidance across the entire approval review process. The founders described the license win as a milestone in their broader regional growth plan.

A first for Indian fintech in the Kingdom

Founded back in 2022, TotalPay has already served more than 1,500 businesses to date. The firm has processed over one billion dollars in total customer transactions since its launch. You gain a clear sense of scale from these numbers before the Saudi rollout. The company plans fresh spending on new technology, strategic partnerships, and scalable payment systems. Growth targets reach across Saudi Arabia and the wider Middle East and Africa region. The wider Middle East and Africa market gives the firm room to scale further. Strong transaction volumes give the young team a solid base to attract new merchant clients.

What the clearance means for merchants

TotalPay obtains SAMA approval as the fintech Saudi Arabia hosts grows more crowded each year. The Kingdom moved from 10 sandbox fintechs in 2018 to more than 280 licensed firms. Progressive rules and steady demand keep pulling global players toward this market every single season. Foreign payment firms must secure a SAMA license before they serve Saudi customers directly. Compliance strength therefore separates approved players from the firms still stuck in early testing. From my standpoint, the license shows how open regulation rewards firms with strong compliance. You should watch how quickly TotalPay turns this approval into active live merchant accounts. TotalPay obtains SAMA approval now, and the coming months will test its Saudi execution.

Shamsa Entertainment City opens in Aljada with family fun until September

Shamsa Entertainment City has opened its doors in Aljada, and it gives families a fresh reason to head out this summer. The open-air venue runs until 5 September under the theme “Shamsa Festival, Where Joy Shines”. It sits inside Sharjah Summer Promotions 2026, the emirate’s yearly push to bring shoppers and visitors out during the warmer months.

The Sharjah Chamber of Commerce and Industry and the Sharjah Commerce and Tourism Development Authority organise the venue together. Their pitch is simple. Give families interactive activities and outdoor entertainment, and lift the local economy at the same time.

What Shamsa Entertainment City offers

Picture a summer hub built for kids and parents. Interactive games and open-air fun fill the space in Aljada Sharjah, one of the emirate’s newer community districts. The layout leans on hands-on play rather than passive screens, which keeps younger visitors moving. That setting matters. Aljada already pulls crowds for dining and events, so the venue lands where people already are.

You do not have to travel far to reach it. That is the whole idea. Organisers want a spot that feels close, easy, and worth the trip on a hot afternoon.

Inside Sharjah Summer Promotions 2026

Shamsa Entertainment City is one piece of a much larger campaign. Sharjah Summer Promotions 2026 reaches across Sharjah City, the Central Region, and the East Coast towns of Khorfakkan, Kalba, and Dibba Al Hisn. Shoppers can find discounts of up to 75 percent across thousands of retail outlets and shopping malls.

The season offers more than shopping. Families also get over 60 Sharjah tourism packages and experiences, plus more than 700 prizes for visitors. Over 55 public and private partners back the programme, which shows how much weight the emirate puts behind it.

Khalid Jasim Al Midfa, Chairman of the Sharjah Commerce and Tourism Development Authority, said the campaign aimed to strengthen Sharjah’s position as a tourism and family destination. He described a summer atmosphere that brings together entertainment, creativity, and community engagement for citizens, residents, and tourists.

Why the venue matters now

Mohammad Ahmed Amin Al Awadi, Director-General of SCCI, said the launch reflected the chamber’s work to support economic activity and community well-being. Read between the lines, and the plan is clear. Entertainment brings families in. Families spend. Retail and tourism both gain.

Sharjah has run this play before. The 2025 edition drew strong turnout and gave local businesses a measurable lift. This year’s version stretches the summer season longer and adds more partners, so the emirate is building on something that already works. The model rewards repeat visits, and that is where the real value sits for organisers.

For families weighing where to spend a summer day, the appeal is practical. You get activities for the kids, deals for the household, and a short drive rather than a long one. That mix turns a one-time visit into a habit, and it positions Sharjah as a family destination worth returning to.

Shamsa Entertainment City runs through early September, which leaves plenty of weekends to plan around. If you live in or near the emirate, the calendar is on your side. The venue and the wider campaign both wind down before the school term picks up, so the window is open now.

By Tariq Al-Mansouri
3 min read

Business Licenses

UAE music licence for businesses starts in December with new annual fees

A UAE music licence for businesses will soon shape the cost of playing a song in public. From December 2026, restaurants, cafes, hotels, malls, gyms and airlines that play music must hold one. The Ministry of Economy and Tourism set out the rules in a new guide on music rights. The guide covers a wide list of venues. Radio stations, TV channels, concerts and similar events fall under it too. Each licence lasts one year and can be renewed. Fee brackets depend on how the music is used and how big the business is.

Who collects the UAE music licensing fees?

Two Ministry-approved bodies will handle the UAE music licence for businesses. The Emirates Music Rights Association and Music Nation UAE act for the rights holders. That pool includes composers, singers, record producers and publishers. They will issue the permits and take in the money.

The Ministry did not publish exact fee amounts. What it did confirm is the shape of the fees. Live music and DJ sets tend to cost more. Smaller venues with background music should pay less. Not every place has to pay. Schools and academic bodies are exempt. Government offices, national events and private, non-commercial parties also sit outside the rules. The Ministry can add more exempt groups later.

Why the UAE music licence for businesses matters now

Abdullah bin Touq Al Marri, Minister of Economy and Tourism, tied the move to the wider economy. He said the UAE backs its music and creative sectors as it works to widen its income. The minister called the guide one step toward a full system for copyright and related rights. It fits the goals of UAE Vision 2031.

Here is the practical read. The commercial use of music UAE venues rely on is now a paid, tracked activity. Pressing play on a home streaming app and hoping no one asks carries real risk. If you run a venue, this is your cue to check your setup. The framework rests on the UAE copyright law. Back in 2021, the country reshaped that law with fresh rules on copyright and neighbouring rights. Those rules created public performance rights across the country. Now the guide gives them a way to be enforced and paid.

The guide also sets up a Cultural Support Fund in the Field of Music. It will give money, technical help and artistic support for writing, production and live shows. Support targets new talent, including children, youth and people of determination. The fund will also carry Emirati music abroad. Ten per cent of all fees collected will feed this fund. A joint team from the Ministry of Economy and Tourism and the Ministry of Culture will run it. The collecting bodies must keep a separate bank account for the fund’s share.

Oversight and disputes

The Ministry will watch the licensed bodies for compliance with the UAE copyright law. Checks include field visits and reviews of financial and technical records. Complaints from rights holders will be handled too, with calm settlements sought or action taken where needed.

One line stands out. The Ministry keeps the right to change licence terms when the rules or public interest call for it, and licensees must comply at once. For venues, the UAE music licence for businesses is now a fixed cost of running a room with a soundtrack. My read: firms that move early will feel the least pain.

By Fatima Al-Nouri
3 min read

META

Superintelligence for everyone: inside Mark Zuckerberg’s new Meta plan

Superintelligence for everyone is the bet Mark Zuckerberg placed this week. On August 10, the Meta chief published an essay titled The Future is for Everyone, and his argument runs simple. The most advanced AI should sit in your hands, not inside a handful of labs. What matters most, he wrote, is not who builds the strongest system first. It is who gets to use it.

The three ideas behind the plan

Zuckerberg built his case on three ideas. People, not big institutions, create prosperity. AI’s real value lies in helping you invent things rather than replacing your job. And safety comes from spreading power widely, so no single company or government can dominate. He calls his preferred version personal superintelligence, and he wants Meta to lead in building it.

Think of it this way. If one person owned a superintelligent lawyer, they could win in court even when they were wrong. Give everyone that same lawyer, Zuckerberg argues, and the system gets fairer. That thought experiment sits at the center of the Mark Zuckerberg AI vision laid out in the essay.

What Meta says it will build

Superintelligence for everyone starts, in Meta’s telling, with a personal assistant. Meta wants to put personal AI agents in front of billions of people. Zuckerberg described an assistant that works around the clock on your behalf, helping with your health, career, finances, relationships, and home. He said it would run with strong privacy, modeled on the encryption Meta uses in WhatsApp, so your information stays yours.

Cost sits at the heart of the pitch. Meta plans free versions for billions of users, plus a paid tier for people who want more computing power. Zuckerberg also said Meta superintelligence work now runs through Meta Superintelligence Labs, and the company will resume releasing some open-source AI models soon. No firm dates appear for when these tools reach users.

“Everyone will have an exceptionally capable personal agent that understands you, your goals, and everything you care about. Your agent will work 24/7 on your behalf to improve your relationships, health, career, finances, home management, hobbies, and more. It will free up time for the things you enjoy, and help you accomplish more than you could otherwise.”, Mark said.

Why the finance crowd is watching

Zuckerberg frames invention, not automation, as the real prize. He predicts new kinds of work, from one-person studios making custom products to small teams running sizable companies with a capable agent. That prediction rests on people gaining skills as fast as machines gain them. Whether that holds is uncertain, and he admits the transition could be hard for many workers.

The essay also answers a common worry about who benefits. Meta points to Richland Parish, Louisiana, where it is building a large data center. Teachers there received a 50,000 dollar bonus this year from the added tax revenue, the company said. Local promises like these form what Meta calls a community compact, backed by a fund for the towns it builds in.

Superintelligence for everyone, or a Meta pitch?

The essay reads as philosophy more than product news. It names no launch dates and no specific models. Superintelligence for everyone is the frame, yet the plan still runs on Meta’s platforms, Meta’s compute, and Meta’s terms. For readers weighing the promise, that tension is worth watching. The idea of superintelligence for everyone sounds open by design. Delivery, for now, sits with one company.

By Leila Al-Khatib
3 min read

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TotalPay obtains SAMA approval to join Saudi Arabia digital payments race

TotalPay obtains SAMA approval to join Saudi Arabia digital payments race

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Why TotalPay obtained SAMA approval at the right time