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The quick, secure and easy payments through smartphone

        

		
Make your shopping and dining easier than before. Minimize your cash or card usage. Scan the QR Code and make payment

	
	

	
	

		

			
            

				

					

					
Add money into your “Account” using any debit card issued in Oman.

					

				

				

					

					
Send and Receive money between eFloos wallet

					

				

				

					

					
Request money from other eFloos wallet

					

				

                                 

					

					
Make payments to merchants

					

				

                	
        	

            
                

				

					
					

					

				

			
                	
        	

            
            
		

	




        
        
    

    
        





        







    


	






	
	
	

		

			

				
				
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Download eFloos

		
Simply download the application today 
and enjoy cashless payments.

      

		

	

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How to enable eFloos

  
    

    
  • Download the eFloos Application from App Store or Google Play Store .
    • 
    
  •  Run the App and Click on registration button.
    • 
    
  • Follow the registration. 
    • 
    
  • Upload a valid National ID. For non-Omani’s a valid passport is also required.
    • 
    
  • The App will ask for Users details, such as, Date of Birth, Address,  Photo of users, National ID Photo (in addition to Passport Copy if non-Omani).
    • 
    
  • After App registration is completed, user will have to wait for Back End verification and Approval which would take a maximum of 24 hours.
    • 
    
  • Upon final verification, the customer will receive a notification and can start using the eFloos mobile app.
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eFloos 

 



 


  




  
eFloos App 

 



 


  




  
How to register on eFloos

 



 


  




  
How to use eFloos

 








        
        
    

    
        





        







    


	






	
	
	

		

			

				
				
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Frequently Asked Questions

						
    
  
  1. What is eFloos Wallet?
    
    
    
     eFloos is a digital mobile wallet app that enables quick, secure and easy payments through smartphone. Instead of using cash or card, simply scan the QR Code available at different merchants across Oman. The eFloos Payment Solution app is available on both iOS and Android operating system and it can be downloaded from the App store and Google play store. Simply download the application today and enjoy cashless payments.

    
    
    
      
  
    2. 
  
  2. What are the features of eFloos?
    
      
    
     The features of eFloos include:
    
      

      
    • Add money into your wallet using any debit card issued in Oman.
      • 
      
    • Send and Receive money between eFloos wallet accounts.
      • 
      
    • Request money from other eFloos wallet accounts.
      • 
      
    • Make payments to merchants.
      • 
    
    

    
    
    
      

  
    3. 
  
  3. Is eFloos Safe to use?
    
      
    
     eFloos is a safe and secure method to conduct cashless transactions. All transactions are processed through a secure and encrypted link. There are SMS/Email notifications as well as in-app notifications for all transactions.
    
    
    
      
  
    4. 
  
  4. How can I Use eFloos?
    
    
    
    
    
      
      
    • Download and install the eFloos Application from App Store or Google Play Store.
      • 
      
    • Run the App and Click on registration button and accept the Terms & Conditions.
      • 
      
    •  Follow the registration .
      • 
      
    •  Upload a valid National ID. For non-Omani’s a valid passport is also required.
      • 
      
    •  The App will ask for Users details, such as, Date of Birth, Address, instant Photo of users, National ID Photo (in addition to Passport Copy if non-Omani).
      • 
      
    •  After App registration is completed, user will have to wait for Back End verification and Approval which would take a maximum of 24 hours.
      • 
      
    •  Upon final verification, the customer will receive a notification and can start using the eFloos mobile app.
      • 
    
    
    
    
    
    

  
    5. 
  
  5. Do I have to be an Omantel Subscriber?
    
      
    
     eFloos is available to anyone who has a valid Omani National ID and any Omani mobile phone. As phase 1, eFloos will be available for Omantel subscribers, in Phase 2, will be will be available for bank Sohar International customers, Phase 3 will be available for all subscribers in Oman including visitors and GCC.
    
    
    
      
  
    6. 
  
  6. Are there any charges for non-Omantel Subscribers?
    
      
    
     There are no separate charges for any non-Omantel subscribers.
    
    
    
      
  
    7. 
  
  7. I have two mobile phones, can I use eFloos on more than one phone?
    
      
    
     Yes, but your eFloos account is linked to your mobile number. Two mobile numbers mean two separate eFloos accounts.
    
    
    
      
  
    8. 
  
  8. How do I change my mobile device, but my mobile number is the same?
    
      
    
     The eFloos app will recognize that you have changed your device. An OTP (One-Time Passcode) will be sent to your device. You will need to verify your eFloos account every time you change your phone, since your eFloos account can will have one phone number that is associated with, and that is the one on which you will receive your SMS and notifications on.
    
    
    
      
  
    9. 
  
  9. Is eFloos linked to my Bank Account?
    
      
    
     No, eFloos is not linked to your bank account.
    
    
    
      
  
    10. 
  
  10. What card can I use to top-up my eFloos Account?
    
      
    
     You can top-up your eFloos account through a payment gateway using a debit card that is issued in Oman or through Omantel bill payment machine.
    
    
    
      
  
    11. 
  
  11. Can I use cash to top-up my eFloos account?
    
      
    
     You can top-up your eFloos account using a debit card issued in Oman.
    
    
    
      
  
    12. 
  
  12. How can I make purchases using my eFloos app?
    
      
    
     You can make in-Store purchases by scanning the QR Code at accepting merchants. If the transaction is successful you will receive a text message confirming your purchase.
    
    
    
      
  
    13. 
  
  13. Where do I make purchases?
    
      
    
     You can make purchases at any store in Oman that accepts eFloos. To view the list of stores Click here.
    
    
    
      
  
    14. 
  
  14. What is the minimum age to open an eFloos account?
    
      
    
     The minimum age is 18 years old.
    
    
    
      
  
    15. 
  
  15. Can I send money to anyone?
    
      
    
     Yes you can! With the Send Money option available in the app, you can send money between any two eFloos accounts or send money to an unregistered eFloos user. Once you send the money through the sender and receiver will get a text message confirming the transaction.
    
    
    
      
  
    16. 
  
  16. I have funds in my account but I can’t make the transaction
    
      
    
     Make sure you have valid and active service line, in case of prepaid. Make sure you have valid Credit/Data/Validity. Other than that call eFloos contact center.
    
    
    
      
  
    17. 
  
  17. Can I change my eFloos Login Pin Code?
    
      
    
     Yes, you can. Click on forget Pin Code from the App login screen and follow the instructions.
    
    
    
      
  
    18. 
  
  18. I want to sign up as a merchant for eFloos, who do I call?
    
      
    
     You can Emailed :efloos@rbwfintech.com .
    
    
    
      
  
    19. 
  
  19. What is the maximum amount I can load on my eFloos Account?
    
      
    
     The maximum amount that can be loaded in the eFloos account at a given time is OMR 500.
    
    
    
      
  
    20. 
  
  20. Any limitation on transactions?
    
      
    
     Yes, Maximum one-time transaction limit is OMR 500.
    
    
    
      
  
    21. 
  
  21. What if my smartphone is lost or stolen?
    
      
    
     Immediately notify the eFloos call center if your smartphone is lost or stolen. We will put a hold on your account until you find the smartphone or replace it. If you are replacing your phone with a new one, you will be need to go through the OTP (One-time Passcode) verification process to confirm your new device.
    
    
    
      
  
    22. 
  
  22. Can I Change my mobile number and keep the Same Mobile Payment service account?
    
      
    
     Yes, Click on your Profile and change your Mobile number by clicking on you profile picture, you will receive OTP verification code by SMS on the old number to verify the new mobile number change.
    
    
    
      
  
    23. 
  
  23. Can I have more than one eFloos Account?
    
      
    
     Each local National ID holder can have up to 10 eFloos accounts as long as each of them is associated with a unique mobile. In order to protect you and your eFloos account, you cannot use the same telephone number or email address for more than one account.
    
    
    
      
  
    24. 
  
  24. Can I use my eFloos in other countries?
    
      
    
     At the moment the eFloos is only accepted in the Sultanate of Oman.
    
    
    
      
  
    25. 
  
  25. What if I have a business mobile line and I want to activate eFloos?
    
      
    
     We do not restrict, but you may want to see your own company’s policy.
    
    
    
      
  
    26. 
  
  26. I want to terminate my wallet, how can I get cash out my wallet balance?
    
      
    
     Each local National ID holder can have up to 10 eFloos accounts as long as each of them is associated with a unique mobile. In order to protect you and your eFloos account, you cannot use the same telephone number or email address for more than one account.
    27. 
  
  27. 

    
    How to cash out the balance from efloos ?
    




    Cash out can be done at the  below locations of Sohar international Bank


    
    
  
    28. 




  
  







					

				


			

			



		


		

			
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TERMS AND CONDITIONS FOR eFLOOS 

						These Terms and Conditions apply to eFLOOS Products and services provided by Bank Sohar International in the Sultanate of Oman.

 1. DEFINITIONS “eFLOOS” is a mobile wallet application which can be downloaded by any eligible User having registered and authorized for availing the Services through the Wallet Account "Wallet Account": means the wallet account registered for and maintained with Bank Sohar International. “Wallet Account Issuer”: refers to Bank Sohar International. "Call Centre": refers to the customer care telephonic helpline and email provided within eFLOOS mobile application. “Services”: refers to the mobile application products and services of the Wallet Account made available to the Users as per the Terms. "User": refers to any person having registered and authorized for availing the Services through the Wallet Account. “Web Site”: is the merchant page. “KYC Process”: Know Your Customer process initiated by the eFLOOS mobile application during the customer registration process. “Payment Gateway”: is an E-commerce application (virtual POS terminal) that authorizes card payments for E-businesses and online retailers. It is the equivalent of a physical point of sale terminal for card-notpresent transactions. “PIN”: is a sequence of numbers created by the User for validating electronic transactions through the Wallet Account. “OTP”: is a One-time password which consists of chain of numbers/letters sent to the User via SMS and required to be used by the User for verification purposes

 2. APPLICATION OF TERMS These Terms and Conditions form the Agreement between the User and Wallet Account Issuer for availing the Services through the Wallet Account. By registering for the Wallet Account, the User acknowledges and accepts these Terms and Conditions. The User expressly agrees and acknowledges to have read and understood the Terms and Conditions that govern the Services and be bound by and to comply with these Terms and Conditions. Further, the User agrees not to use the Services if he does not agree with all the Terms and Conditions and undertakes to complete the KYC Process required by Wallet Account Issuer. User understands and agrees that all obligations under these Terms and Conditions are the sole responsibility of the user and are subject to the laws of the Sultanate of Oman.

3. ELIGIBILITY The User must be a resident of Oman, GCC or a visitor having a valid Identity document (National ID or passport) and must have attained 18 years of old. For availing the Services, any potential User is upfront required to download and register with the Wallet Account on their mobile phone. eFLOOS is issued with the profile provided /confirmed by the User at the time of registration and will be associated with the registered mobile number of the User, until and unless updated thereafter in accordance with Terms and Conditions of the Services.

 4. SERVICE CHARGES Charges for the Services provided under the Wallet Account shall be informed upfront to the User within these Terms and Conditions and are available on the Website and mobile application for further reference. Wallet Account Issuer reserves the right to charge or modify charges by giving prior notice and recover from the User such charge for providing Services through the Wallet Account. The User hereby authorizes the Wallet Account Issuer to recover the said charges by debiting the Wallet Account of the User.

5. Simplified KYC & FULL KYC Customer is able to complete his registration through the mobile application by loading his KYC documents electronically and upon verification and activation, Customer will be eligible for limited wallet limits as KYC process is considered as Simplified, However, if Customers needed to be upgraded for full limits, then his KYC needs to be Fully verified by visiting physically the Wallet Account Issuer to submit the physical KYC documents.

 6. MOVING FUND By agreeing to these Terms and Conditions, User authorizes Account Wallet Issuer to move funds from User debit card to User Wallet Account when User performs “Add Money” transaction through Payment Gateway. By agreeing to these Terms and Conditions User authorizes Wallet Account Issuer to debit User Wallet Account for the respective transactions and charges and according to the clause 4.

 7. User Complaints In case the User faces any difficulties operating/accessing eFloos, he/she must refer to the “contact us” button within the application to resolve any outstanding technical matter.

 8. UNAUTHORISED ACCESS Security and privacy of the credentials and security codes of the User as well as the User’s device through which the User accesses the eFLOSS is the responsibility of the User exclusively. The User shall not disclose the PIN (Login credential to eFLOOS) and/or OTP (One Time Password) and/or security question(s) to any person. If the User fails to observe any of the security procedures, he/she may incur liability for unauthorized use. Where the User uses the Wallet Account for any purpose which is illegal, improper or which is not authorized under these Terms and Conditions, the Wallet Account Issuer shall have the right to disable the Wallet Account. The User should not leave his mobile device unattended while logged on to eFLOOS mobile wallet application for security reasons and to prevent unauthorized access to the Wallet Account. The User is responsible for ensuring the device used to access the eFLOOS application is safe and free from any virus. The User has to contact immediately the eFLOOS customer service if the device or authentication credentials have been lost, compromised or stolen or if an unauthorized person has used or may use the User’s credentials without authorization. For security reasons and in order to prevent an unauthorized access, eFLOOS application will: - Lock the access after 3 invalid login attempts - Request for an answer to security question in case of change device or change PIN 8. TERMINATION The User may terminate this Agreement and close the Wallet Account by contacting the Call Centre at any time and removing the mobile application from User’s mobile phone. The User shall remain responsible for any transactions made through the Wallet Account until such termination. Wallet Account Issuer has the right to terminate, change these Terms and Conditions or add or delete any items, at any time. Wallet Account Issuer will provide notice if required by law. The User accepts and understands that it is his / her responsibility to refer to the updated Terms and Conditions on the Website or mobile application and will have no right to make any claim against the Wallet Account Issuer due to lack of his / her notification or consent to the changes made to the Terms and Conditions. In case of terminating this agreement and there is a balance in the customer’s wallet, the following actions to be taken in order to cash out the remaining balance: Customer who didn’t perform any transactions in the last 3 months will be considered as INACTIVE and customer’s wallet status will be “INACTIVE”, whereas he needs to call eFloos call center to activate his wallet.- - Customer who didn’t perform any transactions in the last 6 months will be considered DORMANT and customer’s wallet will be terminated by the Wallet Account Issuer. - In case of termination made by Wallet Account Issuer, no cash out fees will be applied. - In case of customer’s decision to terminate, then cash out fees of 500 baisa will be applied. - Customer may suggest to P2P the remaining balance or - Visit Wallet Account Issuer branches (dedicated branches will be acknowledged) for cash out

 9. WARRANTIES The Wallet Account Issuer does not warrant that access to the Wallet Account and/or Services shall be uninterrupted or error free. The Wallet Account Issuer does not warrant, and shall not be responsible for any losses occur due to, failure of operational systems or any technical issues. Wallet Account Issuer may also provide links on its website to the websites of other companies, whether affiliated with or not. Wallet Account Issuer cannot give any undertaking that Products or Services User avails from the third party sellers through Wallet website or mobile application will be of satisfactory quality, and any such warranties are DISCLAIMED by Wallet Account Issuer absolutely. This DISCLAIMER does not affect User statutory rights against the third party seller.

10. CHANGE OF TERMS The Wallet Account Issuer shall have the sole discretion to change, modify or otherwise alter these Terms and Conditions at any time. Unless otherwise indicated, any amendments will become effective immediately after notification through the mobile application or website. User needs to review these Terms and Conditions periodically. User continued use of the Wallet following posting of changes and/or modifications will constitute User acceptance of the revised Terms and Conditions.

11. PRIVACY User needs to review Wallet Account Issuer Privacy Policy which also governs User visit to the Wallet Account. Wallet Account Issuer will not be responsible of any loss or damage of the User’s mobile device data through using the mobile Wallet application.

 12. PROPRIETARY RIGHTS The User acknowledges that the underlying software required for accessing the Wallet/availing the Service/s are the legal property of the respective Wallet Account Issuer. The permission given by the Wallet Account Issuer to access the Wallet Account/avail the Service/s will not convey any proprietary or ownership rights in such software. The User shall not attempt to modify, translate, disassemble, decompile or reverse engineer the underlying software or create any derivative product based on the software. eFLOOS logo is a trademark and property of the Wallet Account Issuer. Infringement of any intellectual property is strictly prohibited.

13. Disclaimer: "The products and services referred to herein are subject to the terms and conditions governing them as specified by the Wallet Account Issuer from time to time at the website of the Wallet Account issuer or mobile application. Nothing contained herein shall constitute or be deemed to constitute an advice, invitation or solicitation to purchase any products/services of the Wallet Account Issuer. Our relationship is governed exclusively by these terms & conditions and no presumption of any relation other than that contemplated by this document shall be presumed or exist. 
					

				


			

			



		


		

			
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