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Ride-Hailing & Mobility · KSA · Payment Automation

Eco Ride

End-to-end payment automation for a Saudi ride-hailing operator: fares captured, drivers paid, invoices issued and everything reconciled without manual work.

Industry · Ride-Hailing & Mobility

Eco Ride

Building a fully automated payment processing system for a Saudi ride-hailing platform - from fare capture and driver payouts to ZATCA e-invoicing and daily reconciliation - running end-to-end with no manual intervention.

“Shyphan automated our entire payment flow. We went from chasing spreadsheets to payouts and invoices that just run themselves.”

Bassim Sujaat, Eco Ride
Client
Eco Ride
Solution
Automated Payment
Processing System
Region
Saudi Arabia
Year
2026 · 6 weeks
Engagement
Payment Automation
& Reconciliation
Overview

Project overview

Eco Ride partnered with Shyphan to deliver one hands-off payment engine. Eco Ride was growing fast, but every ride still meant manual work behind the scenes - matching payments, calculating payouts and issuing invoices by hand.

Shyphan built an automated payment processing system that connects Eco Ride’s app and payment gateways to finance, so fares, payouts, invoices and reconciliation all run on their own. The build combined Payment Automation Engine and Invoicing & Reconciliation, configured around how the business actually runs.

Within weeks of go-live, Eco Ride’s payment operations were faster, cleaner and effectively hands-off. Measured outcomes included 100% Automated Reconciliation, 95% Faster Driver Payouts and zero Manual Invoicing. The project was delivered by Shyphan across Saudi Arabia.

How It Flows

How the solution fits together

From the first data point to the last report, this is the path the work takes every day.

01Ride fareCaptured per trip
02Payment gatewayCard and wallet
03Driver payoutScheduled, automatic
04InvoiceIssued to rider or account
05ReconciliationFares, fees, payouts
06Finance dashboardDaily review

Each step is a real system or automation in the delivered solution. Scroll sideways on smaller screens.

About the Client

Who Eco Ride is

Ride-Hailing & Mobility

Eco Ride

Eco Ride partnered with Shyphan to deliver one hands-off payment engine. Eco Ride was growing fast, but every ride still meant manual work behind the scenes - matching payments, calculating payouts and issuing invoices by hand.

See the results
Ride-hailingEco-focused mobility operator in Saudi Arabia.
Saudi ArabiaRiders, drivers and corporate accounts.
Payments end to endFares captured, drivers paid, invoices issued, all reconciled.
SAMA-regulated gatewayCard data never touches Shyphan-built systems.
The Challenge

Six payment gaps slowing the business down

Eco Ride was growing fast, but every ride still meant manual work behind the scenes - matching payments, calculating payouts and issuing invoices by hand.

Manual Reconciliation

Finance matched thousands of rides to gateway payments in spreadsheets every day.

Delayed Driver Payouts

Payouts were calculated by hand, so drivers waited and disputes were common.

No Automated Invoicing

ZATCA-compliant invoices were created manually, one trip at a time.

Fragmented Payment Data

Card, wallet and cash data lived across the app, gateways and separate sheets.

Failed & Pending Payments

Failed and pending charges slipped through with no automatic retry or follow-up.

No Real-Time Revenue View

Leadership had no live picture of revenue, commissions or driver liabilities.

In Their Words

“Payments were eating our team’s time. Every day started with reconciling yesterday’s rides before we could do anything else.”

Bassim Sujaat, Eco Ride
The Solution

One hands-off payment engine

Shyphan built an automated payment processing system that connects Eco Ride’s app and payment gateways to finance, so fares, payouts, invoices and reconciliation all run on their own.

Payment Automation Engine

  • Payment gateway integration for card, wallet and cash
  • Automatic fare capture the moment a ride ends
  • Smart retry and follow-up on failed or pending charges
  • Automatic driver-payout calculation with commission rules
  • Scheduled, automated driver settlements

Invoicing & Reconciliation

  • Automatic ZATCA-compliant e-invoice for every trip
  • Daily auto-reconciliation of rides against gateway settlements
  • Exception flags for mismatches, refunds and chargebacks
  • Live dashboards for revenue, commission and payouts
  • Full audit trail on every transaction

Key Customizations & Integrations

Payment Gateway Integration

Card, wallet and cash flows unified through one API layer.

Driver Payout Automation

Commission and fare rules calculate settlements automatically.

ZATCA E-Invoicing

Compliant e-invoice generated and cleared for every ride.

Daily Auto-Reconciliation

Rides matched to settlements with mismatches flagged automatically.

Clients We Have Delivered For

In good company

Every logo is a published case study. Click one to read it.

Shura LinksLongtharai InternationalAl-Mazaya Al-ShamlaDevisersTech ArabiaParcelUnboxEsyasoftEco RideVetic
Our Approach

Five-phase delivery in 6 weeks

We rolled the system out in controlled phases so live payments were never at risk while we automated the flow behind them.

PhaseActivitiesOutcome
1. Discovery & BlueprintMapped the full payment flow, gateway rules, payout logic and ZATCA requirementsSigned-off Solution Design
2. Build & IntegrationGateway integration, fare capture, payout engine and e-invoicing built in a sandboxWorking payment engine
3. Reconciliation & UATAuto-reconciliation, dashboards and a full UAT cycle on real trip dataUAT sign-off
4. Parallel Run & TrainingRan automated and manual side by side, trained finance and ops teamsVerified, adoption-ready
5. Go-Live & Hyper-careFull cutover to automated processing, daily support and a tuning sprintStable, hands-off system

Why the phased roll-out worked

A parallel run proved every payout and invoice matched before we switched off the manual process.
Live payments kept flowing throughout, with zero downtime for riders or drivers.
Finance and ops adopted the dashboards with confidence because they had already validated the numbers.
Scope in Detail

Everything that was delivered

The full list of what went live, so you can compare it with your own requirement.

Fare capture and trip ledger integration
Payment gateway integration with tokenised cards
Automated driver payouts with schedules and limits
Rider and corporate invoicing
Automatic reconciliation of fares, fees and payouts
Exception queue for failed payments
Finance dashboard and daily summary
Runbooks and finance team training
Local Compliance

Compliance we kept in mind for Saudi Arabia

Every build we deliver in Saudi Arabia is checked against the Kingdom’s tax, e-invoicing, payroll and data rules before go-live. These are the ones that shaped this project.

ZATCA Phase-2 e-invoicing

Fatoora onboarding with CSID, UBL 2.1 XML, QR codes and clearance or reporting depending on B2B or B2C.

15% VAT

Standard, zero-rated and exempt supplies mapped correctly, VAT-inclusive pricing where the market expects it, and return-ready reports.

Saudi PDPL

Personal data of customers and staff kept to what the process needs, with role-based access and audit logs.

Bilingual documents

Arabic and English on invoices, quotations and customer communications, with Hijri and Gregorian dates where required.

SAR and rounding

Halala-level rounding, SAR as base currency and ZATCA-compliant totals on every document.

SAMA-regulated payments

Card data never touches our systems; the licensed gateway handles it and we store only tokens and references.

Compliance reviewed before go-live, not after
The Results

From manual chasing to payments that run themselves

Within weeks of go-live, Eco Ride’s payment operations were faster, cleaner and effectively hands-off.

100%Automated Reconciliation
95%Faster Driver Payouts
ZEROManual Invoicing
120+Hours Saved / Month
Real-timeRevenue Visibility
99%+Payment Match Accuracy

Business Outcomes

Hands-Off Payments

Fares, payouts and invoices process automatically with no daily manual work.

Happier Drivers

Accurate, on-time settlements ended payout disputes and delays.

Automated E-Invoicing

Every trip gets a ZATCA-compliant invoice with no manual effort.

Live Financial Visibility

Leadership sees revenue, commission and payouts in real time.

Fewer Errors & Leaks

Auto-reconciliation catches mismatches, refunds and chargebacks early.

Ready to Scale

The engine handles more rides without adding finance headcount.

Client Testimonial

What the team at Eco Ride said

“Shyphan automated our entire payment process end to end. Fares are captured, drivers are paid, invoices go out and everything reconciles on its own. Our finance team went from firefighting every morning to simply reviewing a dashboard. It has been a genuine turning point for how we run Eco Ride.”

BS
Bassim Sujaat

Founder · Eco Ride

What worked well

A parallel run that proved every payout and invoice before switching off the manual process.
Zero disruption to live payments for riders and drivers during the roll-out.
ZATCA-compliant e-invoicing handled automatically, with no compliance headaches.
Clear dashboards that gave finance and leadership real-time confidence.

Ready to automate your own payment operations?

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Where this service is weak - and what we do about it

We are not the cheapest, and we decline work where the budget will not cover doing it properly or where the product is the wrong answer.

How we handle it: You get a written recommendation after the free discovery call either way, including when that recommendation is not to proceed.

Vikas Saroj, Co-Founder and COO at Shyphan AI Solutions

Written and reviewed by Vikas Saroj, Co-Founder, COO & Growth at Shyphan AI Solutions, who owns delivery across India, the Gulf and the UK. Last reviewed on 14 September 2026. Meet the team · LinkedIn