Powering the digital transaction transformation
The Digital Solutions for MSMEs
Leading Mobile Wallet Solutions
Demonstrated Leadership
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. BPay exists to be the first-choice digital payments, commerce and financial services app...
Credit Card Processing
Our core card processing services cover areas such as complete card management, logistics and support, day-to-day customer service, disputes and reconciliation management.
EMV and Contactless Personalization
Outsourcing the production of EMV compliant chip cards enables you to take advantage of AFS’ personalization expertise, which is a cost-effective solution compared to setting up the process in-house.   We can also provide logistic and other support services to enhance your...
Debit Card Processing and ATM / POS Driving
The operations include: EFT switching Visa/MasterCard, Diners Club, and Amex Gateway Services ATM and POS driving Chip card capabilities Debit card management Inter-bank switching Online interface to bank's back-office system Value-added services (GSM top-up, bill payment, IVR...
Prepaid Card Processing
General Consumer includes cards such as gift and petty cash cards supporting online or in-store purchases. Teen/Youth Spending for teens or youths who may not have an individual bank account and parents want controlled spending. Unbanked Segment for individuals without a bank account....
24/7 Contact Centre
AFS provides a full-fledged 24/7 Contact Centre service. The Contact Centre can be customized to match the particular requirements of each institution. A few highlights include: Full-fledged retail bank Contact Center Multi-lingual capabilities Option of shared and dedicated...
Value Added Services
AFS provides a host of Value Added Services that complement the core services. Our growing portfolio of Value Added Services include: 24x7 Call Center Loyalty Solutions Data Analytics Card Personalization 3D Secure SMS services Fraud Management Interactive EPP Chargeback...
Mr Sael Al Waary
AFS, the leader in payment industry for over 30 years, has grown significantly over the recent years. Our value proposition to our clients includes end-to-end payment solutions with the most innovative and state-of-the-art suite of value added services.

AFS has invested in the latest technology and this provides its clients a certified and secure control environment. AFS has been rapidly expanding through the acquisition of new clients and opening an office along with a full-fledged data center in UAE


AFS offers state-of-the-art and best-in-class technology platforms for card processing and value added services.