Accept payments through every method on a single invoice: cash, card, Hala wallet, installments, and deferred payment. Refund the amount to the original payment method or convert it to store credit with one click, with automatic accounting consolidation.

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Mixed payment processed

3 payment methods · one invoice

Payment screen Invoice #INV-2026-1392

Cash

200.00

Mada card

150.00

Hala wallet

50.00

Total paid400.00 SAR

Original method

for refund

Store credit

available

Issue the invoice

Mixed payment supported Hala integration

A Saudi POS: accept any payment from any customer

Your customer wants to pay with any method, or wants to split the invoice across more than one method. Qoyod makes that possible on a single invoice with a unified accounting entry.

All payment methods

Cash, cards, transfers, digital wallets, and installments — all on a single payment screen with one unified invoice.

+25K

Saudi businesses use Qoyod to manage payments and refunds across their points of sale.

Flexible refunds

Refund the amount to the original payment method or convert it to store credit with one click.

How do you handle payment-method variety today?

Compare common ways of managing payments and refunds, and see how Qoyod turns payment-method variety into an advantage, not a burden.

Method	Risks & issues	Other POS systems	RecommendedQoyod's solution
Allowing only one payment method per invoice	Losing customers who want mixed payment Difficulty handling large invoices Turning away sales when one method's balance is short	Requires splitting the invoice into several separate invoices No accounting consolidation	One invoice with multiple payments · automatic entry consolidation
Ignoring local digital wallets	Losing a large customer segment A non-modern payment experience Weakened competitiveness	Limited integration with local wallets No native Hala integration	Native Hala wallet integration · a complete payment experience
Refunding only in cash regardless of the original payment method	Customer complaints Cash drain at the till Difficulty reconciling card payments	Refund through a single method only No store credit	Refund to the original method or to store credit · automatic reconciliation

Current method

Allowing only one payment method per invoice

Risks & issues

Losing customers who want mixed payment
Difficulty handling large invoices
Turning away sales when one method's balance is short

Other POS systems

Requires splitting the invoice into several separate invoices
No accounting consolidation

Recommended

Qoyod's solution

One invoice with multiple payments · automatic entry consolidation

Current method

Ignoring local digital wallets

Risks & issues

Losing a large customer segment
A non-modern payment experience
Weakened competitiveness

Other POS systems

Limited integration with local wallets
No native Hala integration

Recommended

Qoyod's solution

Native Hala wallet integration · a complete payment experience

Current method

Refunding only in cash regardless of the original payment method

Risks & issues

Customer complaints
Cash drain at the till
Difficulty reconciling card payments

Other POS systems

Refund through a single method only
No store credit

Recommended

Qoyod's solution

Refund to the original method or to store credit · automatic reconciliation

Qoyod's solution

Six capabilities that bring all your payments to one screen

From the payment screen to the reports, Qoyod handles every method with the same efficiency and consolidates the accounting entries.

Cash, card, or mixed payments

Accept any combination of payment methods on a single invoice. The customer splits the amount between cash, card, and wallet as they wish, and the system consolidates the accounting entry automatically.

Integration with the Hala wallet

Native integration with the Hala digital wallet lets the customer pay from their app directly. Instant transaction confirmation and an automatic accounting entry, with no manual steps at the till.

Refund to the original method or to store credit

Choose with one click between refunding to the original payment method or converting to store credit the customer uses later, with full accounting tracking for every transaction.

Support for deferred payment and installments

Offer the customer installments or deferred payment at the till, with scheduled installments tied to the original invoice. The system tracks the due dates and reminds you of the amounts due.

Track every payment and link it to its invoice

Every partial or full payment is tied to the original sales invoice with a clear audit log: who received it, when, and by which method. No floating movements without a reference.

Payment reports by method

Real-time reports show total payments per method (cash, card, Hala wallet, installments, deferred) across your branches and points of sale, with automatic reconciliation against bank deposits.

How flexible payment options work

Four steps from choosing the payment methods to following the accounting reports in real time.

Choose the payment methods the customer wants

Open the payment screen and pick one or more methods with a tap. Cash, card, Hala wallet, installments, or deferred payment on a single invoice.

Enter the amounts on each method

Set the amount allocated to each payment method. The system validates the total automatically and shows the remaining balance in real time until the invoice is complete.

Confirm payment and issue the invoice immediately

Press Issue, and all the payments are processed in a single transaction with the accounting entries recorded automatically, and a unified invoice is printed for the customer.

Track payments and refunds from Qoyod's reports

Monitor payments by method and refund statuses through Qoyod's real-time reports, and refund to any payment method or store credit with one click.

Saudi businesses trust Qoyod for every payment

From major retailers to neighborhood shops, thousands of merchants rely on Qoyod to accept any payment from any customer.

Qoyod brings every payment method to one screen

From large stores to neighborhood shops, more than 25,000 Saudi businesses use Qoyod to manage payments and refunds. Native Hala wallet integration, installment and deferred-payment support, and refunds to any payment method or store credit, all on a single accounting-unified invoice.

Certified Compliant with ZATCA Phase 2

+25K Saudi businesses rely on Qoyod

All-inclusive Every payment method on one invoice

14 days Free trial without a credit card

Qoyod your partner for success and excellence.

Thousands of Saudi companies chose Qoyod to manage their accounting and e-invoicing every day.

+25K

Saudi companies and businesses

+100K

monthly users

+25M

monthly accounting transactions

+10

years in the market

4.7 / 5+1,000 Google reviews

A nice program — it helped us a lot in solving the business's issues, and accepts every payment method.

Qoyod's subscription pricing is very fair, and payment-method variety serves every customer.

An integrated program with high-end features — payment and wallet variety makes selling easier.

One of the best experiences and best customer service — reconciliations and refunds are one click away.

Integrated services and precise accounting — especially in reconciling payments across channels.

Excellent tech support and customer service — they help us with any payment issue.

FAQ

Have some questions?

Quick answers to the most common questions about flexible payment options at the POS.

Which payment methods does Qoyod support at the POS?+

Qoyod supports cash, Mada, Visa, and Mastercard cards, transfers, the Hala wallet, Tabby and Tamara installments, and deferred payment for account customers. All these methods appear on a unified payment screen and can be mixed within the same invoice.

How does mixed payment work across cash, card, and wallet?+

Open the payment screen and set the amount allocated to each method. The system automatically validates that the total matches the invoice amount, then processes the payments together and issues a single invoice with a unified accounting entry tying the payments to the original invoice.

Can I refund to store credit instead of cash?+

Yes. At refund time, choose with one click between refunding to the original payment method or converting to store credit for the customer. The credit is recorded on the customer's card and used on any later invoice, with full accounting tracking.

How does Qoyod integrate with the Hala wallet?+

The integration is native and deep. The customer pays from the Hala app directly, the cashier receives the transaction confirmation in real time, and the accounting entry is recorded automatically — no manual entry, no paper receipts, and no waiting on bank confirmation.

Does the system support deferred payment and installments for customers?+

Yes. You can split the invoice into scheduled installments with specific due dates, or grant the customer a deferred payment tied to their account. Qoyod tracks the due dates and reminds you of the amounts due, with real-time reports of customer balances.

Do payment methods appear in the accounting reports in real time?+

Yes. Every payment is reflected in the journal and accounting reports in real time, classified by method (cash, card, wallet, installments, deferred) and by branch and point of sale. These reports enable automatic reconciliation against bank statements and payment providers.

Accept all your customers' payments on a single invoice

Try Qoyod free for 14 days. No credit card required. Full setup in minutes.

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ZATCA-certified · over 25,000 Saudi businesses