Flooss and Optty join forces to implement digital financing in the GCC payment system

Flooss, Bahrain's leading digital consumer finance platform, has announced a strategic partnership with Optty, a global payment infrastructure provider, to expand the availability of Flooss' digital financial solutions for commercial transaction processes in GCC countries.

Founded in Bahrain by Fawaz Ghazal and Tarik Al Saffar, Flooss was created to fill structural gaps in access to Sharia-compliant consumer finance, particularly for digitally active customers who are underserved by traditional lending models. The founders bring complementary expertise in financial services, technology, and regulated consumer finance, shaping Flooss's focus on disciplined underwriting, transparency, and fully digital execution.

Thanks to this cooperation, Flooss financial products will be available to merchants, payment service providers (PSPs), payment gateways, and card transaction processors connected to the Optty platform, without the need for additional development work, through the direct integration of Flooss into the merchant transaction process. This will give consumers access to instant, regulated financing at the point of purchase, while merchants will benefit from the ability to offer a local, flexible payment option.

Flooss is a leader in the mobile consumer finance market, offering instant application approval and automatic income verification as part of a fully digital experience. By integrating with existing payment systems across various sectors, such as e-commerce, travel, education, insurance, and lifestyle, Flooss brings consumer finance to the point of transaction, while placing a strong emphasis on responsible lending and discipline in its execution.

"This partnership reflects our approach to the next stage of consumer finance development. We have always focused on creating a financial platform that combines rigorous credit policies with seamless digital service. Working with Optty allows us to extend this model to broader payment ecosystems without compromising on governance, transparency, or credit quality," said Fawaz Ghazal, founder and CEO of Flooss Group.

"This partnership reflects our approach to the next stage of consumer finance development. We have always focused on creating a financial platform that combines rigorous credit policies with seamless digital service. Working with Optty allows us to extend this model to broader payment ecosystems without compromising governance, transparency, or credit quality."

– Fawaz Ghazal, founder and CEO of the Flooss Group

For Optty, a leading global provider of specialized payment methods, this integration means adding a Sharia-compliant consumer finance option to the global regulated payment ecosystem, strengthening alternative payment capabilities in the Middle East and enabling payment partners to offer local financial solutions without additional technical complexity.

"At Optty, we believe that innovation in payments must be both global and deeply local. The addition of Flooss to our portfolio reinforces this mission and expands our offering in the Middle East—one of the most dynamic payments markets in the world. Flooss has built a strong reputation for fast, transparent, and responsible technology-based lending. We are proud to extend this opportunity to all Optty partners worldwide. Together, we will open up new opportunities for merchants and provide better access to financing for millions of consumers," said Richard Miller, CEO of Optty. "Flooss brings a strong, locally tailored financing offering to our network. By integrating Flooss into our platform, we enable merchants and payment partners to offer a financing option that is closely aligned with consumer behavior, without increasing technical complexity," said Steven Ritchie, Chief Operating Officer at Optty.

"At Optty, we believe that innovation in payments must be both global and deeply local. The addition of Flooss to our portfolio reinforces this mission and expands our offering in the Middle East—one of the most dynamic payments markets in the world. Flooss has built a strong reputation for fast, transparent, and responsible technology-based lending. We are proud to extend this opportunity to all Optty partners worldwide. Together, we will open up new opportunities for merchants and provide better access to financing for millions of consumers."

– Richard Miller, CEO, Optty

"Flooss brings a strong, locally tailored financing offering to our network. By integrating Flooss into our platform, we enable merchants and payment partners to offer a financing option that is closely aligned with consumer behavior, without increasing technical complexity."

– Steven Ritchie, Chief Operating Officer, Optty

The partnership combines Flooss' expertise in consumer finance with Optty's payment infrastructure to support the continued growth of digital commerce in the GCC countries, while providing more flexible and transparent payment options for both merchants and consumers.