Flooss, Bahrain’s leading digital consumer-financing platform, has announced a strategic partnership with global payments infrastructure provider Optty. This collaboration aims to expand the availability of Flooss’s Sharia-compliant digital financing solutions directly into merchant checkout experiences across the GCC.
Bridging a Gap in Sharia-Compliant Finance
Founded in Bahrain by Fawaz Ghazal and Tariq Al Saffar, Flooss was established to address key gaps in access to consumer financing, particularly for digitally-savvy customers who are often underserved by traditional lending institutions. The platform is built on a foundation of disciplined underwriting, transparency, and a fully digital execution model, delivering instant approvals and automated income verification.
Seamless Integration for Merchants and Consumers
Through this partnership, Flooss’s financing products will be embedded into Optty’s platform. This allows merchants, payment service providers (PSPs), gateways, and acquirers connected to Optty to offer Flooss as a payment option without requiring any additional development work. Consumers can access instant, regulated financing at the point of purchase, while merchants benefit by providing a locally relevant and flexible payment method.
By integrating into existing payment flows across sectors like e-commerce, travel, education, and insurance, Flooss is shifting consumer financing into the crucial checkout moment while maintaining a strong focus on responsible lending.
A Strategic Vision for Digital Payments
The collaboration reflects a shared vision for the future of consumer finance in the region, combining local expertise with global infrastructure.
“This partnership reflects how we think about the next phase of consumer finance,” said Fawaz Ghazal, Founder and Group CEO of Flooss. “Our focus has always been on building a financing platform that combines strong credit discipline with seamless digital execution. Working with Optty allows us to extend that model into broader payment ecosystems, without compromising on governance, transparency, or credit quality.”
For Optty, the integration adds a regulated, Sharia-compliant financing option to its payments ecosystem, significantly strengthening its capabilities in the Middle East.
“At Optty, we believe that payment innovation must be both global and deeply local,” added Richard Miller, Chief Executive Officer of Optty. “Welcoming Flooss into our portfolio reinforces that mission and strengthens our offering across the Middle East—one of the most dynamic payments markets in the world. Flooss has built a strong reputation for fast, transparent, and responsible lending powered by technology, and we are proud to extend that capability to every Optty partner worldwide.”
About Flooss
Flooss is a Bahrain-based digital consumer-financing platform that provides instant, Sharia-compliant financing solutions. The company focuses on a mobile-first, fully digital experience to serve customers who are often underserved by traditional financial institutions, emphasizing disciplined underwriting and transparency.
About Optty
Optty is a global payments infrastructure provider that enables merchants, payment service providers, and acquirers to integrate a wide range of payment methods through a single platform. The company’s technology simplifies the process of offering diverse and locally relevant payment options to consumers worldwide.
Source: Zawya
