Mudad

Mudad validates against Qiwa. Either correct the Mudad upload to match Qiwa, or update Qiwa contract first (worker re-signs via Nafath) before next upload.

Check each employee record for validation errors. Common cause is one employee record failing due to bank mismatch or wrong nationality code.

Qiwa-Mudad sync can lag 24-48 hours for new contracts. Wait, retry. If still missing, file ticket with Mudad support.

Resolve every WPS non-compliance flag, settle any salary arrears, then file lift request via MHRSD. Lift can take 7-14 working days.

Bank may have flagged the account for compliance. Confirm corporate account is in good standing; some banks restrict WPS payments to specific account types.

Mudad uses Saudi labour law formulas. Verify employee's start date, last salary, and reason for end (resignation vs termination) - each shifts the gratuity calculation.

WPS (Wage Protection System) is the underlying regulatory programme run by MHRSD with SAMA. Mudad is the digital platform on which employers fulfil WPS by uploading their monthly SIF. WPS is the law; Mudad is the tool.

No. Qiwa is the labour-contracts and Saudization platform; Mudad is the payroll and WPS platform. They are integrated so contracts in Qiwa feed Mudad's payroll calculations, but employers use both.

The price varies by establishment size and feature tier. Confirm current pricing on mudad.com.sa as MHRSD adjusts subscription costs from time to time. The Lite tier is free.

Mudad escalates internally within 20 days, giving the employer time to correct and submit. If no corrective action happens within the second 20-day window, the case is referred to MHRSD Inspection, which can suspend establishment services and impose fines. Both consequences are avoidable by submitting on time.

No. WPS requires salaries to be paid by bank transfer into an account in the worker's own name. Cash payments are not recognised and constitute WPS non-compliance even if the worker confirms receipt.

Mudad does not collect GOSI contributions itself, but Mudad's employee list and salary data is cross-checked against GOSI registrations to verify contributions match. Discrepancies between Mudad and GOSI are flagged and must be reconciled.

Workers do not have a personal Mudad account, but their salary deposit and WPS status are visible to them through their own bank account and indirectly through their Qiwa employee profile. Disputes about a missing salary are first raised with the employer and, if unresolved, with MHRSD through the labour complaint flow.

Several scenarios trigger flags. Missed monthly upload by the deadline (typically end of month) triggers a warning. Salary paid less than the Qiwa-registered contract salary triggers a flag and is visible to the worker. Three consecutive months of unpaid or partial salary triggers the LRI 2021 employee-initiated transfer-without-consent ground on Qiwa, allowing workers to move sponsors without the current employer's agreement. Persistent non-compliance leads to Qiwa hiring freezes (no new visas, no renewals), Nitaqat band downgrade (which can cascade to a Red band freezing the entire establishment), and potential MHRSD financial penalties. For workers, the WPS dashboard inside Qiwa is the primary evidence base for any complaint or transfer request - confirm monthly salary postings appear correctly.

Third-party payroll providers (HRDF-approved, local SMEs serving SMEs) integrate with Mudad and handle the monthly uploads on behalf of employers. Typical cost SAR 50-200 per employee per month depending on services included. The provider takes the salary file from the employer's spreadsheet or HR system, validates it against Qiwa contracts, formats it to Mudad standards, uploads, and confirms compliance. For very small establishments (1-10 workers) some banks offer Mudad-linked payroll services bundled with corporate accounts. The pragmatic choice for an SME with 20+ workers is a dedicated payroll provider; for 5-10 workers the bank-bundled option is often cheaper. Either way, the WPS compliance dashboard is what matters - confirm green status monthly to avoid the cascading consequences described above.

Missing the monthly SIF upload by the 20-day deadline triggers a four-stage cascade. (1) Day 21: Mudad sends a warning to the establishment's authorised signatory and starts a 20-day grace window for corrective action. The Qiwa WPS dashboard shows yellow status. (2) Day 41 (if still no action): the case is automatically referred to MHRSD Inspection Department. Qiwa hiring freeze imposes (no new visas, no renewals); existing workers retain the LRI 2021 transfer-without-consent ground after 3 months of unpaid salary. (3) Day 60+: MHRSD financial penalties accrue (currently SAR 10,000 per non-compliant month), Nitaqat band can downgrade. (4) Persistent non-compliance: establishment services suspended, CR may be flagged. Recovery: upload all missed SIF files (Mudad accepts retroactive uploads), settle salary arrears via WPS-channel bank transfer (cash payments do not count), file a Compliance Restoration request with MHRSD via Qiwa Support, and pay any penalty bills via SADAD. Lift typically takes 7-14 working days from clean upload.

The 2026 threshold lowering brought establishments with 1-4 employees into mandatory Mudad/WPS coverage, where previously only 5+ employee establishments were enforced. The practical implications. Registration: open mudad.com.sa, choose Register Establishment, log in with Nafath as the authorised signatory, the system pulls the establishment record from Qiwa and the bank record from SAMA. Tier choice: Lite (free) is sufficient for 1-4 employees because the SIF is small; Premium adds value only when payroll calculation complexity grows. Bank integration: most major Saudi banks (Al Rajhi, SNB, Riyad, Bank AlBilad, ANB) now offer bundled corporate-account-plus-Mudad payroll services for small establishments at SAR 100-300/month. Sponsoring just one domestic worker through Absher Business does not currently trigger Mudad registration - domestic workers remain on a separate Musaned salary protection cycle. Confirm the threshold on Mudad before assuming any small-establishment is exempt; MHRSD has tightened enforcement since 2026.