Accept multiple payment methods on a single invoice: cash, card, and Hala wallet. Every payment is linked to its invoice and its journal entry is posted automatically.

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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

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.

Every method

Cash, cards, and Hala wallet, all on one payment screen with one unified invoice.

25,000+

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

Auto reconciliation

Every payment is tied to its invoice and an automatic journal entry, with live reports by method and branch.

How do you handle payment-method variety today?

Compare common ways of handling payments at the till, and see how Qoyod turns payment variety into an advantage rather than a burden.

The approach	Risks & problems	Other POS systems	RecommendedQoyod approach
Only one payment method per invoice	Lose customers who want to mix payment methods Hard to handle large invoices Sales rejected when one method runs short	Forces you to split into multiple invoices No accounting consolidation	One invoice with multiple payments · automatic journal consolidation
Ignoring local digital wallets	Lose a large segment of customers Outdated payment experience Weaker competitive position	Limited integration with local wallets No native integration with Hala	Native Hala wallet integration · complete payment experience

Current approach

Only one payment method per invoice

Risks & problems

Lose customers who want to mix payment methods
Hard to handle large invoices
Sales rejected when one method runs short

Other POS systems

Forces you to split into multiple invoices
No accounting consolidation

Recommended

Qoyod approach

One invoice with multiple payments · automatic journal consolidation

Current approach

Ignoring local digital wallets

Risks & problems

Lose a large segment of customers
Outdated payment experience
Weaker competitive position

Other POS systems

Limited integration with local wallets
No native integration with Hala

Recommended

Qoyod approach

Native Hala wallet integration · complete payment experience

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, while the system consolidates the accounting entry automatically.

Native Hala wallet integration

A deep native integration with the Hala digital wallet lets customers pay straight from their app. Instant confirmation, automatic journal entry, with no manual steps at the till.

Returns with full tracking

Process returns from the till and tie each one back to its original invoice, with an automatic accounting entry and a full audit trail: who ran it, when, and against which line item.

Discount and price controls

Decide which user can grant a discount or change a price, with a discount ceiling per role. Tight control at the till to protect margin and keep pricing consistent across branches.

Track every payment back to its invoice

Every partial or full payment is linked to the original sales invoice with a clean audit trail: who collected it, when, and on which method. No floating entries.

Reports by payment method

Live reports breaking payments down by method (cash, card, Hala wallet) across your branches and tills, 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.

Pick the methods the customer wants

Open the payment screen and tap one method or several. Cash, card, or Hala wallet on a single invoice.

Enter the amount per method

Set how much goes on each payment method. The system checks the total automatically and shows the remaining balance live until the invoice is complete.

Confirm and issue the invoice instantly

Tap issue. All payments are processed in one transaction, journal entries are posted automatically, and a single unified invoice prints for the customer.

Track payments from Qoyod reports

Monitor payments by method and by branch in Qoyod's live reports, with automatic reconciliation against bank statements and payment providers.

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 onto one screen

From large retailers to neighborhood stores, more than 25,000 Saudi businesses rely on Qoyod to run their POS payments. A native Hala wallet integration, plus mixed payments across cash, card, and wallet on a single, fully reconciled invoice.

Certified ZATCA Phase 2 compliant

25,000+ Saudi businesses trust Qoyod

Complete Every payment method on one invoice

14 days Free trial, no credit card required

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 till?+

Qoyod supports cash, mada, Visa and Mastercard cards, bank transfers, and the Hala wallet. All these methods appear on a single unified payment screen and can be mixed on the same invoice.

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

Open the payment screen, allocate the amount to each method, the system checks that the total matches the invoice automatically, then it processes all the payments together and issues a single invoice with one consolidated journal entry linking the payments to the original invoice.

How does Qoyod integrate with the Hala wallet?+

The integration is native and deep. Customers pay straight from the Hala app, the till receives a real-time confirmation, and the journal entry is posted automatically, with no manual entry, no paper receipts, and no waiting for bank confirmation.

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

Yes. Every payment is reflected in the journal and accounting reports live, classified by method (cash, card, Hala wallet) and by branch and till. These reports allow 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