Best Electronic Payment Methods in Oman 2026
Oman has a unique mix — half the market pays digitally and the other half uses cash. You need to understand the options and provide what's appropriate for your customers.
Full Comparison
| Method | Fees | Penetration | Speed | Best For |
|---|
| OmanNet (bank card) | 1.5-2.5% | 35% | Instant | All sellers |
| Cash on Delivery | 0% | 35% | Instant | All sellers |
| Thawani | 1-2% | 15% | Instant | E-commerce stores |
| Apple Pay | Same as card | 10% | Instant | Advanced merchants |
| Bank transfer | 0% | 5% | 1-2 days | Large transactions |
Thawani — Oman's Payment Gateway
Thawani is a local Omani payment gateway — its advantages:
- Easy merchant registration
- Lower fees than international gateways (1-2%)
- Local Arabic support
- E-commerce store integration
- Arabic dashboard
Bank Muscat and Bank Dhofar — Merchant Services
| Bank | POS Service | Online Service | Fees |
|---|
| Bank Muscat | ✅ | ✅ (OmanNet gateway) | 1.5-2.5% |
| Bank Dhofar | ✅ | ✅ | 1.5-2.5% |
| Bank Sohar | ✅ | ✅ | 2-3% |
Recommendation by Business Size
| Business Size | Recommendation |
|---|
| Beginning seller | Cash + Bank transfer |
| Instagram store | Cash + Transfer + Thawani |
| E-commerce store | Thawani + OmanNet + Apple Pay |
| Physical store | Bank Muscat POS + Cash |
