Proof of Payment on Najiz: Paid but Enforcement Still Open (KSA)

You transferred SAR 25,000 to your creditor in two payments after agreeing by phone. A month later, the enforcement request on Najiz (the Ministry of Justice e-services portal) still shows the full amount, and the seizure orders are still in place. The receipt on your phone is real, but the enforcement judge cannot see your phone.

The short answer: until the payment enters the request file, the request keeps running as if you never paid. Use the "proof of payment" service on Najiz for each payment. If the creditor rejects it, raise the payment before the enforcement judge with your documents.

The new Enforcement Law comes into force 180 days after its publication in the Official Gazette on 14/11/1447H (1 May 2026), around the end of October 2026, and replaces the Enforcement Law of 1433H (Article 65). This guide is based on the law in force today. A separate section explains what changes.

What is the proof of payment service on Najiz?

The Ministry of Justice describes it as an electronic service that lets the party enforcement is against ask for a payment made to the applicant outside the court to be recorded. You enter the type of payment, the applicant who received it and the amount, attach the proof, and submit. The applicant then receives a text message to accept or reject the proof.

According to the service page, access conditions include: the enforcement request status must be "under enforcement"; there must be no pending action to close the instrument, grant a grace period, transfer seized money or a transfer by the court; and there must be no other proof-of-payment request in progress. The service is available in financial requests and in personal status requests such as maintenance (nafaqa) and dowry (mahr). If the service does not appear for you, the reason is usually the request status or another pending action, not that your payment has no effect.

Which documents are convincing?

Good proof answers four questions: how much was paid, when, to whom, and for which debt. The more dealings you have with the creditor, the more the last question decides the matter.

• A bank transfer whose description includes the enforcement request number or words linking it to the instrument.
• A receipt signed by the creditor stating the amount and its reason.
• A message from the creditor admitting receipt of the payment for this debt.
• A written settlement agreement stating what was paid and what remains.

If you transferred the money to someone other than the creditor, such as his son or employee, you will need proof that this person was authorised to receive it. Family or work relationship alone does not make the transfer a payment to the creditor. Attach the full statement without cropping the recipient's name or the date.

Example of a partial payment

The claim is SAR 60,000, and you paid SAR 20,000 directly to the creditor for the same instrument.

You file a proof-of-payment request for exactly SAR 20,000, not for the whole amount.

If the creditor accepts, the balance is updated and enforcement continues for the remaining SAR 40,000.

If he rejects it, saying the payment was for another debt, the document that allocates the payment to this debt decides the matter.

What if the creditor rejects the proof of payment?

A rejection in the electronic service does not settle the dispute. The Implementing Regulations of the Enforcement Law give the enforcement judge jurisdiction over a defence of payment, release, settlement or deferral raised after the executive instrument was issued (paragraph 3/3). So you can put your payment and its documents before the enforcement judge to decide.

This dispute does not stop enforcement automatically. The regulations (paragraph 6/6) state that an enforcement dispute does not prevent the proceedings unless the court decides to stay enforcement. So submit your documents early, and do not wait until more money is seized.

What should the creditor do if he really received the money?

If the payment is proven to be for this debt, there is no ground to keep claiming it. Besides accepting the proof-of-payment request, the Ministry of Justice offers the applicant an "amend claim amount" service to change the remaining amount in the request, stating the amount received or waived with its document. If he received his right in full, he is expected to close the request. A person harmed by delay in enforcement procedures may file a compensation claim against whoever caused it before the enforcement judge (Article 95).

What changes under the new Enforcement Law?

The new law places express duties on the creditor after payment:

• Article 42: the applicant must close his request after receiving the right, within the period set by the regulations.
• Article 43: cases in which an enforcement request ends include full payment, the creditor releasing the debtor, and closing the request based on an agreement between the parties.
• Article 53: an applicant who delays closing the request after receiving payment, with intent to harm the debtor, is punished by up to three years in prison and a fine of up to SAR 100,000, or either penalty.
• Article 10: the debtor may ask the court to order the creditor to accept payment of a right proven by an executive instrument that he refuses to accept. If that is not possible, the court takes the steps needed to allow the debtor to pay.
• Article 32: the applicant bears the enforcement costs if he closes the request by agreement or releases the debtor, unless they agree otherwise.

This is general information based on the official Arabic texts of Saudi laws, which prevail over any translation. It is not legal advice for your specific case.

Practical solutions for both sides

If you are the party enforcement is against and you have paid:

• File a proof-of-payment request for each payment with its exact amount and document.
• In the description of any future transfer, write the request or instrument number.
• If the creditor rejects it, put the payment before the enforcement judge with a short memo and organised documents.
• If the service does not appear, check the request status and whether a grace period, closure or transfer is pending.
• Do not pay any new amount before the balance is updated with what you already paid.

If you are the party requesting enforcement:

• Review each proof request for the amount, the recipient and how the payment is allocated before you reply.
• If the payment was for another debt, say so with the document, instead of a bare rejection.
• Update the remaining amount through the amend claim amount service when you receive money.
• Close the request after full payment. Do not leave it running against a debtor who has paid.

If you paid and the request has not moved, or you received a proof of payment and are not sure how to respond, send the documents on WhatsApp and we will review them with you.