Regulators in Saudi Arabia (SAMA) and the UAE are significantly tightening KYB (Know Your Business) audits for payment service providers (PSPs). We are seeing a new industry norm: Rolling Reserves of 30–90 days (holding up to 15% of funds) for merchants with mismatched shipping profiles and billing entities.
The Risk: For dropshippers relying on rapid capital turnover, this 15% hold can be the difference between scaling and bankruptcy. The “Liquidity Trap” is real, especially for those using generic international payment gateways without localized compliance data.
Strategy: Migration to local entities (UAE/KSA) and integrated supply chain tracking are no longer optional. Merchants should ensure that their shipping data (Last-Mile tracking) is directly synced with their payment provider to reduce risk scores and minimize reserve holds.
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