Part 5: Consumer Protection and Financial Inclusion
Chapter 1: Consumer Protection
Article 50
A Payment Service Provider must comply with all consumer protection principles and requirements issued by SAMA.
Article 51
SAMA shall determine the provisions of the Implementing Regulation that a Payment Service Provider may agree with a Payment Service user not to apply when providing services to a consumer who’s a legal person in a commercial or professional context.
Chapter 2: Financial Inclusion
Article 52
(1) Payment Service Providers shall uphold the principles of financial inclusion issued by SAMA when providing Relevant Payment Services.
(2) Payment System Operators shall ensure that their Payment Systems are made available to Members on a fair, open and transparent basis.
(3) Notwithstanding the Law and other applicable laws and in order to achieve the principle of fairness and empowerment, SAMA may require the Operator of a Systemically Important Payment System to enable an applicant to become a Member in relation to that Systemically Important Payment System or require a Direct Member in a Systemically Important Payment System to permit an Applicant with indirect membership.