Middle East Business
ONE App and CrediMax sign a buy now pay later agreement for merchants across Bahrain
By Staff Writer | 13 October 2026
Instalment payment is to be carried on CrediMax point of sale terminals and its digital payment channels, which both parties say reaches merchants already on the network without integration work or a change to settlement. Fees, instalment terms and the number of merchants have not been published.
ONE App, the financial marketplace operated by Al Salam Bank, has signed a partnership agreement with CrediMax to carry buy now pay later services on CrediMax's point of sale infrastructure and on its digital payment channels. The signing was announced in Manama on Sunday 11 October.
The arrangement is aimed at merchants already taking card payments on CrediMax terminals. A shopper at the till can split a purchase into instalments, and the merchant offers that option through the terminal it already has. Both companies state that no integration work is needed and that the way a merchant's takings are settled does not change.
This partnership with CrediMax reflects our commitment to position the ONE App as a financial marketplace that is built on partnerships to expand financing and payment solutions that support Bahrain's economy. By enabling BNPL through CrediMax POS and payment channels, the service has become seamlessly available to all of their interested merchants without any integration or change in their settlement process.
Haitham Al Haddad, General Manager of ONE App
What a merchant has to do
The step asked of a merchant is administrative rather than technical. Merchants already on the CrediMax network are told to contact their relationship managers to switch the service on, and merchants outside the network are invited to approach the company directly to discuss its payment products. Nothing in the announcement suggests the option appears on a terminal before a merchant asks for it.
Merchants on the existing network are told to contact their relationship managers to enable the service. No fee schedule has been published.
What the announcement does not give is the detail a retailer or a supplier would need to price the decision. There is no figure for the number of merchants the agreement reaches, no instalment periods, no charge to the merchant, no charge to the shopper and no date on which the option goes live across the terminal estate. The commercial terms between the two companies are not disclosed either. Those absences are stated here rather than filled.
This partnership marks an important step towards enabling merchants to offer more flexible payment options to their customers, ultimately enhancing the purchasing experience while supporting the continued growth of digital payments and e-commerce in Bahrain.
Mohamed Rashed Al Sutaihi, Head of Strategic Accounts and Acting Head of Customer Service and Sales at CrediMax
Where it sits in the Bahraini market
Both parties set the agreement against Bahrain's stated aim of moving towards a cashless economy, and describe the reach as a wide network of merchants throughout the country. Neither identifies the trades in which those merchants operate. Whether the option extends to builders' merchants, trade counters and material suppliers, as against general consumer retail, is not addressed on the record and is not assumed here.
For the construction supply chain the question is a narrow one of credit rather than technology. An instalment facility offered at a counter is a consumer product by design, and the announcement is silent on whether trade accounts, which are usually settled on terms negotiated between supplier and contractor, come within it at all.
For a supplier in Bahrain taking payment over a counter, the position on the published record is simple enough: the terminal already on the desk can carry the option, and it carries it on the day the merchant asks for it and not before.