SME Business Banking Products & Services

Bank Dhofar is one of the largest acquirers of Visa and Master Cards in Oman with over 11,000 state of the art POS terminals deployed across the Sultanate. We offer the latest wireless 4G Internet based point of sales machines at competitive rates.

Features 

• State of the art wireless POS terminals
• Inhouse POS
• ATEX certified machines
• Fast and error free transaction processing
• Visa, MasterCard and American Express cards accepted
• 24/7 technical support
• Unique features like dual commission (BD & other banks)
• Customized electronic statements
• User friendly machines
• Mobile POS
• Soft POS

SoftPos enables acceptance of contactless payments made with plastic card and any of its virtual equivalents added to Google Pay, Apple Pay, wearables or proprietary HCE wallets

Features 

• Runs on all phones with NFC module and Android 8.0 OS or higher. Accepts payments with Google Pay, Apple Pay wallets, and wearables
• Procedures built-in: device attestation, asymmetric keys stored in hardware-backed secure element, client certificates, attack prevention procedures, PIN required.
• No extra hardware required. Merchant handset is enough.

Internet Banking is the preferred solution of organizations while the same services are offered via Mobile Banking for individual customers.

Features 

Bank Dhofar’s Online Banking offers single point entry to a range of online services. Internet banking provides a Secured login along with the following benefits/services:

Secured login along with the following benefits/services:

• Electronic funds transfer i.e.

          - Self-account/ other accounts within Bank Dhofar
          - 3rd party transfers within Oman via ACH & RTGS
          - Cross border (SWIFT transfers)

• Scheduled payments standing instructions
• Bulk payment file upload (i.e. salary & vendor payments etc.)
• Utility Payments to Mobile/Electricity/Water/ Amex Credit Card
• MIS i.e. multiple formats

          - Account statement
          - Account balance certificate
          - SWIFT message copy
          - Collection statements

• Other services:

          - alerts
          - Issuance of Pay order & cheque book
          - Account management
          - Tree View structure for Revenue & Expense account for Group Company
          - Workflow authority Matrix as per the Customer Board Resolution
          - Instant email/ SMS alerts for the Transaction Approvals
          - Utility Payments to Mobile/ Electricity/ Water/ PASI/ Amex Credit Cards

The benefits of BankDhofar Payment Gateway for e-commerce is two-fold

Features

Benefits for merchants

• Increased revenue opportunity through online sales
• Easy integration of the Payment Gateway, using a software plug-in
• Increased cardholder confidence in making online purchase, leading to increased sales
• Security features to reduce risk of fraud
• Reliable service reduces transaction disputes and associated costs

Benefits for customers

• Convenience of seamless online purchase
• Secure transaction using two-factor authentication (OTP and PKI)

ATM,CDM & MFK

Features

ATM Services

• Cash withdrawal in OMR,AED and USD
• Mini statement
• Balance inquiry
• Self-fund transfer
• Third party transfer (within BankDhofar)
• Transfer funds to other local bank accounts
• Change PIN code
• Cardless cash withdrawal
• Update mobile number
• Cardless ATM service
• Instant Transfer Account to Account
• Activating ATM card for the first time
• Check book request

CDM Services

• Cash Deposit in OMR
• Bill Payment
• OIFC Water Bill
• OIFC Electricity Bill
• ONIC Water Bill
• ONIC Electricity Bill
• Mobile GSM Bills (Omantel & Ooredoo)
• Telephone Bills (Omantel & Ooredoo)
• Internet Bill (Omantel, Ooredoo & AWASR)
• Haya water
• AWASAR
• Mobile Top-Up (Omantel , Ooredoo , Renna & Friendi)
• Donation to Charities that have accounts maintained in BankDhofar
• BankDhofar Credit Card PaymentCheque Deposit
• American Express bill payment
• Cash Deposit using mobile number
• Zakat payment
• Self-fund transfer

MFK Services

• Instant Debit Card Issuance & Activation.
• The MFK enables customers to instantly obtain and activate their debit cards, empowering them with immediate access to banking services.
• Customers will be able to utilize the MFK for issuing new cards, requesting additional cards, replacing cards, and renewing expired cards.
  
  

Wage Protection Registration

Features

Electronic salary transfer system that allow companies to pay employees wages through the bank. An end-to-end salary processing functionality through QR or Bar code downloaded form.