Qitero Qitero

eFloos

Country: Oman (OM)  |  Payment Rail: closed_loop_wallet

DigitalWallet Market Adoption: 4%

eFloos is a prominent mobile digital wallet in Oman backed by Omantel and AFS, featuring QR code payments and remittance services widely used for daily purchases and bill settlements.

🔄 User Payment Flow

  1. User selects eFloos digital wallet at merchant checkout
  2. User scans merchant QR code or approves payment request within eFloos app
  3. User enters 6-digit wallet security PIN or uses biometrics
  4. Wallet balance is deducted and confirmation receipt is shown

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant generates eFloos payment request or presents static/dynamic QR
  • Customer validates and authorizes debit via eFloos wallet
  • AFS & Omantel backend processes transaction and notifies merchant
  • Merchant delivers goods or services