Flooss partners with Optty to expand checkout financing in GCC

Flooss has partnered with Optty to expand the availability of digital consumer financing options across merchant checkout experiences in the Gulf Cooperation Council (GCC), as demand grows for alternative payment methods embedded directly into digital commerce flows.

The collaboration will enable Flooss’s financing products to be integrated across merchants, payment service providers (PSPs), gateways, and acquirers connected to Optty’s payments infrastructure. By embedding the financing capability into existing checkout systems, the companies aim to allow consumers to access regulated financing at the point of purchase without requiring additional technical integration from merchants.

Founded in Manama, Bahrain by Fawaz Ghazal and Tariq Al Saffar, Flooss focuses on addressing gaps in access to Sharia-compliant consumer financing, particularly for digitally active consumers underserved by traditional credit channels. The platform offers a mobile-first experience that includes instant approvals and automated income verification as part of its digital lending model.

Through Optty’s global payments platform, the integration will allow merchants across sectors such as eCommerce, travel, education, insurance, and lifestyle services to offer financing options directly within the checkout process. The approach reflects a broader shift toward embedding lending products into payment journeys, allowing consumers to access financing at the moment of purchase while helping merchants increase conversion rates and transaction values.

“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 introduces a regulated Sharia-compliant financing option to its alternative payments portfolio in the Middle East. Richard Miller, Chief Executive Officer of Optty, said the partnership strengthens the company’s ability to deliver locally relevant payment solutions within its global network.

“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. Together, we will unlock new opportunities for merchants and deliver better financing access for millions of consumers.”