Saudi Arabian Monetary Agency (SAMA) has established a national electronic bill presentment and payment system (EBPP) , “Sadad”, connecting banks and billers. This will allow the beneficiaries to settle their bills using his/ her bank account. EBPP systems has a tremendous benefit to nations’ economy. The value is presented in cash cycle acceleration and money usage in stimulating the national production in addition to reliance on the electronic money which is less expensive, more secured and faster to use. It makes anti money laundry (AML) and fraud prevention surveillance more effective. Billers will benefit from financial settlement between presented and settled bills which makes bank’s statement reconciliation much easier task. Integration with SADAD and maintaining it requires a technically sophisticated infrastructure and a qualified, highly paid technical staff. This is not available for most of the small and medium companies. Digital Cash International (DCI), had developed a state-of-the-art platform “Aggregation Cloud (AC)”, which enables the billers to integrate and use SADAD without the need to have an expensive and sophisticated infrastructure with secured, fast and easy to use way. Billers who wish to integrate with SADAD through AC can present their bills through simple excel sheet, text file, AC portal, or direct integration between billers’ application and AC platform. AC will present the billers’ bills in SADAD and inform the billers’ customers about SADAD bill number of which he or she can settle it through bank account. Billers can monitor the life cycle of their presented bills through sophisticated dash board where the status of the bills are updated instantly. AC license is obtained by Saudi Post Association and operated by DCI through agreements between both parties and a license from SAMA. The AC service is competitively priced comparing to other electronic payment methods. We trust that AC service will be one of the pillars who will positively contributes to the Saudi economy.

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