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Secure, smart and simplified financial solutions

Gain access to enterprise-grade tools designed to streamline your day-to-day financial operations and transactions, tailored for banks, fintechs, businesses and consumers.

Benefits of our products and services

Our innovative financial solutions deliver a range of benefits for banks and businesses to ensure success for all partners.

01In-store, on-the-go and eShop payments

Simplify your business operations, reach more customers, increase sales, and reduce costs with a comprehensive set of secure and easy to use payments acceptance solutions by AFS.

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02Card issuing and processing

Our issuing and processing platforms are designed to be modular, scalable, and flexible, allowing us to craft customized solutions for every payment use case to best serve your business needs.

03Digital wallet

Our BPay wallet app is the first-choice digital payments, commerce and financial services app offering instant, global and local payment solutions that all consumers and businesses can use to serve their everyday needs. The digital wallet solution can be white labeled to cater to your business needs.

04Fraud and risk management services

Our proactive and market-leading fraud prevention technology solutions ensure your payments business stays safe and secure.

05Open Banking hub

Unlock the potential of financial data sharing with secure, compliant Open Banking APIs that accelerate innovation and enhance customer experiences.

06Value added services

AFS introduces the latest value-added services and state-of-the-art security features to revolutionize your payments, stay safe and secure while driving seamless integration and cardholder engagement.

Our solutions

Unlock financial opportunities for growth and global expansion, accessible to banks and businesses of any size.

For Banks

Gain access to AFS's issuing processing and payments platform and cutting-edge end-to-end card payment system.

  • Card solutions
  • Support services
  • Value added services

All Solutions

Unsure which solution best fits your business needs? Dive into our comprehensive range of financial tools and services, to empower your business success.

Apply Pay Integration

Experience easy and fast transactions using your AFS PRO virtual cards with the Apple Pay wallet integration using your iPhone or Apple Watch.

For Businesses

Boost growth and efficiency with all-in-one merchant services, POS terminals, and custom payment solutions tailored to your business needs.

  • POS Terminals
  • Online payments
  • SoftPOS solutions

About us

Regulated by the Central Bank of Bahrain and licensed by the Central Bank of Egypt and the Central Bank of UAE, AFS is owned by a total of 37 banks and financial institutions and serves over 60 bank clients in more than 20 countries across the Middle East and Africa region.

In numbers

Leveraging the power of digital payments

Discover how we are revolutionizing the financial and payments sector through our relentless commitment to harnessing the potential of digital payments.

0M

Transactions processed in 2024

0.0M

Cards hosted

0K

POS terminals deployed

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Years of experience

"Having met with the team at AFS we have no doubt that we made the right decision to change our service provider. Their communication and customer service are exemplary, and we look forward to growing this professional relationship moving forward.

Daniel McRae

Manager - British Club

"Team AFS has supported us wholeheartedly and we greatly appreciate this. Their focus on customer value and business-boosting creative solutions are why we are so happy with their service. We look forward to using more AFS payment solutions going forward.

Ajith Johney Mani

Finance Manager - Green Bar Cafe

Ready to revolutionize your financial transactions?

Experience the power of AFS today!

Latest news & announcements

Partnership

Oct 21, 2025

2 min read

Digital Payments Leader AFS Joins Forces with Reboot01 to Cultivate the Next-Generation of FinTech Talent

Arab Financial Services (AFS), the leading innovator of digital payment solutions across the Middle East and Africa, is launching a strategic partnership with Reboot Coding Institute (Reboot01), Bahrain’s pioneering and Ministry of Labor–approved tech institute and talent accelerator. This significant collaboration is set to establish a robust talent pipeline, connecting educational excellence with practical, real-world experience in the dynamic FinTech sector.The partnership aims to accelerate career readiness through comprehensive, hands-on programs. Reboot01 students will also benefit from direct recruitment opportunities, structured internships, and collaborative events like hackathons, specialized tech talks, industry seminars, and career fairs. These joint activities are designed to provide essential practical exposure, mentorship from industry experts, and critical networking opportunities, fully preparing participants for successful professional careers.“We firmly believe it is our responsibility to invest directly in the future of technology talent across the region,” said Mr. Samer Soliman, AFS Chief Executive Officer. “This alliance with Reboot01 is a proactive step toward cultivating a highly skilled, diverse, and future-ready talent pool right here in Bahrain, which directly contributes to the growth of our national digital economy. We are thrilled to be creating clear pathways that empower Bahraini youth with real-world skills needed for professional success, ultimately strengthening the Kingdom’s status as a regional innovation hub”.Mr. Yanal Jallad, Reboot01 Managing Director added, “With a mission to graduate over 350 skilled developers annually, Reboot is dedicated to nurturing a new generation of Bahraini tech professionals. Our partnership with AFS strengthens this mission by providing our students and graduates with direct access to industry leaders, meaningful projects, and exciting career opportunities in fintech.”Reboot01 has established a proven track record for training highly skilled full-stack developers through its globally recognized, project-based curriculum. Students dive deep into in-demand and future-focused specializations, including machine learning, blockchain, mobile app development, cybersecurity, and game design.The Institute is a key engine for talent in the Kingdom, with graduates successfully joining leading local and global technology companies. This success directly contributes to strengthening Bahrain’s growing digital economy.Crucially, the program is built on a foundation of radical inclusion, requiring no prior coding experience or university degree. Reboot01 actively champions diversity in technology and is committed to an impressive goal of achieving 50% female participation in its cohorts.

Partnership

Oct 7, 2025

2 min read

AFS and Planet Power Up to Redefine Hospitality in the Kingdom of Bahrain

Arab Financial Services (AFS), the premier digital payment solutions innovator in the Middle East and Africa (MEA), has announced a strategic partnership with Planet, a leading global provider of integrated payments and technology services, to establish a fully unified payment ecosystem for the hospitality sector. This alliance immediately redefines the guest experience in the Kingdom of Bahrain.The new solution represents a significant leap forward in payments integration. Rolling out first in Bahrain, the joint offering seamlessly combines Planet’s world-class hospitality platform with AFS’s extensive regional expertise across card issuing, processing, acquiring, and POS services.This integration delivers a dual benefit to merchants: it enables them to offer a convenient and transparent guest experience, while simultaneously reducing the cost of operations and minimizing errors in a secure manner. The differentiated offering significantly strengthens AFS's acquiring proposition, positioning the company to capture new business and enhance the value provided to its existing customer base in the competitive hospitality market.“This partnership is a major market differentiator for hospitality payments in the Kingdom of Bahrain,” said Mr. Samer Soliman, AFS Chief Executive Officer. “By seamlessly integrating Planet’s robust payment platform with our extensive market expertise, we are providing a unified digital platform that delivers significant commercial advantage. This solution is our commitment to merchants, designed to unlock new revenue streams and reinforce our leadership in acquiring.”Mr. Colin Close, Chief Commercial Officer (CCO), Planet, said, “We’re privileged to be partnering with Arab Financial Services. We have a long-established presence as a leading payments provider across the Middle East and this extension of our collaboration will allow us to further expand our hospitality payments solutions across the region.”Following its launch in Bahrain, AFS and Planet have a clear strategic roadmap to extend the joint offering to key regional markets, including Oman, the United Arab Emirates (UAE), and Egypt.

Partnership

Jul 30, 2025

2 min read

AFS and Oman Arab Bank Unveil Pioneering Digital Payments Platform

Arab Financial Services (AFS), the Middle East and Africa’s premier digital payment solutions provider and fintech enabler, today announced a significant expansion of its enduring strategic partnership with Oman Arab Bank (OAB). This expansion reaffirms a shared commitment to pioneering innovation, setting an elevated benchmark for digital banking experiences across Oman.Extending AFS's proven legacy in processing, this revitalized alliance now advances the collaboration into a new era with the seamless integration of advanced tokenization for global digital wallets. Leveraging AFS's deep expertise, OAB has already proactively deployed tokenization across leading platforms like Apple Pay, Samsung Pay, and Google Pay, cementing its position at the vanguard of Oman's rapidly evolving digital payments landscape.Central to this deepened partnership is OAB's strategic foresight in becoming one of the inaugural banks to migrate to AFS’s transformative new digital payments platform. This next-generation solution is meticulously engineered not only for today's dynamic payments landscape but also to future-proof operations, offering unparalleled speed, scalability, and configurability.Mr. Samer Soliman, CEO of AFS, commented: “The strength of our decades-long partnership with Oman Arab Bank is vividly reflected in this agreement, as is our shared dedication to leading the charge in digital banking innovation. This renewal marks our collective intent to cultivate a new landscape of secure, agile, and supremely customer-centric financial services for the Omani market”.Adding to this, Mr. Sulaiman Al Harthi, CEO of Oman Arab Bank, stated: “We are committed to embracing innovation that enhances our customer experience and future-proofs our services. We are proud to be among the first banks to launch on AFS’s new digital platform – a move that aligns perfectly with our digital transformation agenda and positions us to lead the market in seamless, secure payment solutions.”This strategic renewal not only solidifies AFS’s leadership in the region's fintech space but also significantly advances Oman Arab Bank’s vision to deliver future-ready digital banking experiences, actively shaping the broader payments landscape across Oman.

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Licensed as an Ancillary Service Provider by the Central Bank of Bahrain