Arab Financial Services B.S.C.(c) (AFS) owns and operates BPay, which is a secure, easy-to-use, and fully featured digital wallet accessed through an app. BPay is part of a Kingdom-wide initiative to make Bahrain cashless and supports the Kingdom of Bahrain’s government initiatives to drive digital transformation.
BPay is a digital wallet solution that enables consumers, merchants, and corporations to make and receive their payments in an easy, fast, and secure way via their smartphones instead of cash or card.
Users can use BPay to purchase goods or services, to send and receive money peer-to-peer (P2P), store money for when they need it, store credentials for various payment instruments securely and digitally, remit money (send money internationally), pay bills, use value-added services and more. Customer identity and electronic transactions are secured through eKYC, encryption, tokenization, and various authentication and authorization methods.
The service is available via smartphone applications for consumers, web portals, and directly integrated into AFS Point of Sale (PoS) terminals using APIs for merchants and corporations – for efficient, convenient use. BPay is accessed by smartphone users through a digital app available from any app play store (Google or iOS). Once they have set up the app, users can move funds to their BPay account via Benefit.
The key benefits of using BPay are convenience, safety, and speed to conduct global and local transactions.

1. Telco postpaid bill payments – Batelco, STC, Zain
2. Telco prepaid top-up payments – Batelco, STC, Zain
3. Government bill payment services such as EWA (water & electricity), traffic payments, university/school payments, and other government bill payment services

• 800+ biller services across 120+ countries
• Biller services include Water, Electricity, Internet, and Government bill payment services

BPay exists to be the first-choice digital payments, commerce and financial services app offering instant, global and local payment solutions that all consumers and businesses can partake in to serve their everyday needs while supporting new entrants into the mainstream economy.

To connect consumers and businesses in a convenient payments experience that creates opportunities for all

To create experiences that are rewarding and continually evolving / improving for customers and businesses

To design tailor-made financial products and services that are accessible to all

To build a trusted platform of payment services with high standards of safety and information security

There are many features that make BPay unique. It is available to any resident of the Kingdom of Bahrain so long as they are 18 year of age or older, with a valid Bahraini CPR and having an active Bahrain SIM card and smartphone. BPay delivers near-instant payments, and when a BPay transaction is made no personal financial data is transferred. BPay operates in compliance with Central Bank of Bahrain rules.

Go cashless or digital, with one platform for multiple payments, financial insights etc. BPay facilitates digital transactions securely and near-instantly locally and globally, giving BPay users speed, convenience, and transparency when it comes to their payments.

BPay is an added digital payment method, both in stores (and soon online!) The value proposition for merchants is two-fold. Merchants have access to a large base of customers. Data-driven offers and promotions help drive footfalls to the stores. Merchants can also create offers that are showcased in-app or on the dedicated BPay offers page. For customers, this means ready access to relevant store information which helps them make a purchase decision faster and ensures they get better value through offers.

Anyone who is a resident of the Kingdom of Bahrain so long as they are 18 year of age or older, with a valid Bahraini CPR and having an active Bahrain SIM card and smartphone can use BPay. The beauty of BPay is that it is like having cash in your pocket (to spend in Bahrain or internationally). BPay is also perfect for shops and other outlets, reducing cash payments and storage.
For merchants, the merchant app is available by default on all AFS Point of Sale (PoS) terminals so they can start using the BPay merchant app immediately – for efficient, convenient use.

For payment BPay works in many ways like a debit card, with the funds transferred to the payee or recipient immediately. BPay can also be used to store funds and remit them to others. BPay is widely accepted in Bahrain including a range of physical and e-commerce stores.

• Send/receive money to and from family and friends in Bahrain
• Add money from your bank account
• Purchase goods and services via Merchant QR Payment to any of our merchants.
• Pay bills and top-up telco. accounts for multiple entities in Bahrain including Batelco, STC, Zain, EWA and more.
• Conduct school and insurance payments, charity donations
• Purchase digital eVouchers
• Send money overseas.
• Pay bills and top-up telco. accounts for multiple entities internationally across 120+ countries for services including Water, Electricity, Internet, and Government bill payment services.

• Accept payments for goods/services rendered
• Empower their employees to receive payments for delivery services
• Send/receive money to and from suppliers or business partners
• Pay salaries to employees

Yes. Currently maximum single transaction limit is BHD 2,500 and maximum balance limit per individual is BHD 2,500.
This may be revised at AFS’s sole discretion at any time subject to the Central Bank of Bahrain rules.

BPay is very secure. AFS’s operations meet the highest international technology and security standards. The BPay platform managed by AFS protects all transactions to the same extent as those performed by the banks for their customers. However, BPay does not hold or transmit any financial or personal data. We are using a secure payment gateway that ensures security by encrypting data, such as card and bank details provided by the user.
BPay is a safe and secure method to conduct cashless transactions. All transactions are processed through a secured and encrypted link. There are SMS, Email, and in-app notifications for all transactions:

• No personal information is stored on your device
• PIN authentication is required to log in to BPay and a confirmation is required for every transaction
• SSL encryption is used to protect your activity
• BPay automatically logs out if left idle

• Accept payments for goods/services rendered
• Empower their employees to receive payments for delivery services
• Send/receive money to and from suppliers or business partners
• Pay salaries to employees

There are competitive rates for select services such as international money transfers or remittance, school fees, etc. Also for international mobile top-up we charge BHD 0.100 + VAT.

Immediately notify us if your smartphone is lost or stolen by calling the BPay call centre on 1729 9717. We will put a hold on your BPay account until you find your smartphone or replace it.
You may also send an email to bpaysupport[at]afs.com.bh

BPay is currently only accepted in Bahrain.

1. Download the AFS BPay app from the app store or play store and complete your digital registration within just a few minutes. Just make sure to keep you CPR National ID handy.
2. Top-up your BPay from the in-app (Add money) icon and enjoy using it.
3. When you buy something at participating merchants, open BPay, hold your mobile device to the Point of Sale (PoS) terminal and scan QR code to pay.

• Each BPay account will be linked to the Bahraini CPR. Accordingly, a single customer can only have a single BPay card account.
• In case a wallet customer has more than one account, then the customer’s cumulative balance will be migrated to the singular BPay card account. The customer will be notified accordingly.

BPay Registration Flow

Please send an email to bpaysupport[at]afs.com.bh with your CPR National ID and registered BPay mobile number. Our BPay Support team will contact you on the next steps to cashout your BPay account.

Customer must visit AFS premises to collect the cashout cash amount, OR to have it transferred to their preferred Bahrain bank account. Customer will also need to sign the necessary documents to verify cashout.

The currency rate is updated in BPay’s system on a near instant basis. You can see the current rate on BPay while going through the steps for international remittance / money transfer service.

For most countries, international transfers sent through BPay are carried out near-instantly. Feel free to contact BPay Support to enquire about the expected transfer times by country and corridor.

If the recipient does not receive the funds within a reasonable period, please call the BPay call centre on 1729 9717.

• Send/receive money to and from family and friends in Bahrain
• Add money from your bank account
• Purchase goods and services via Merchant QR Payment to any of our merchants.
• Pay bills and top-up telco. accounts for multiple entities in Bahrain including Batelco, STC, Zain, EWA and more.
• Conduct school and insurance payments, charity donations
• Purchase digital eVouchers
• Send money overseas.
• Pay bills and top-up telco. accounts for multiple entities internationally across 120+ countries for services including Water, Electricity, Internet, and Government bill payment services.

You have a maximum of 3 tries before access to your BPay wallet becomes blocked for security reasons.

If you have been locked out:

Phone the BPay call centre on 1729 9717, and we will unblock it for you after verification.

You will be given an OTP, and then you will be able to create a new 6-digit PIN.

You may also send an email to bpaysupport[at]afs.com.bh but only from the email address registered with BPay. The process will take a maximum of 2 working days, and you will receive a response by email.