Payment methods in Oman

Asia

3methods

2banks

The Central Bank of Oman has licensed multiple e-wallet providers as part of its financial inclusion and digital economy agenda.

Market takeaways

The Central Bank of Oman has licensed multiple e-wallet providers as part of its financial inclusion and digital economy agenda.
Telecom operator Ooredoo and National Bank of Oman (NBO) partnered to offer the Pay+ mobile wallet, combining telecom distribution with banking reach.
Thawani Pay holds a Central Bank licence and offers a merchant-facing Tajer app alongside consumer wallet services.
eFloos was launched by Omantel and partners as a digital wallet for international transfers and safe domestic payments.
International cards (Visa, Mastercard) are widely accepted in urban areas, hotels and modern retail, with local Mada-equivalent debit cards covering domestic transactions.

Population

~4.5M

Online population

~4M

Banked population

~74%

Payment method breakdown

Market data coming soon.

Card scheme breakdown

Market data coming soon.

Cross-border e-commerce

Market data coming soon.

Featured payment methods in Oman

Popular options based on coverage and prominence in this market.

Thawani

Thawani is Oman's first Central Bank-licensed non-bank fintech, providing a widely used mobile wallet and online payment gateway for consumers and merchants. Operator: Thawani Technologies. Est. users: Leading Omani fintech wallet (2024, best estimate).

eFloos

eFloos is a digital wallet launched by Omantel and partners, designed to provide safe domestic payments and international money transfers. It targets both Omani nationals and the large expatriate population in Oman, enabling cross-border remittances alongside everyday domestic payment functionality.

Pay+ (Ooredoo & NBO)

Pay+ is a mobile wallet developed through a partnership between Ooredoo Oman, a major telecommunications operator, and National Bank of Oman (NBO). It enables payments, deposits, fund transfers, withdrawals, bill payments and mobile top-ups. The partnership combines Ooredoo's large subscriber base and distribution network with NBO's banking licence and financial infrastructure.