OMA Emirates

What OMA Emirates does

OMA Emirates is a UAE-headquartered (Sharjah) payment solutions provider founded in 1991, operating as the parent of a multi-subsidiary group with offices in 14+ countries across the Middle East, Africa, Asia, and Europe. The company delivers a full-stack payments platform spanning card issuance and personalization hardware (central and instant issuance, desktop and re-transfer printers, kiosks), proprietary OM-series Android and countertop PCI PTS 5.x certified POS terminals distributed alongside the Ingenico product range, and a software portfolio of 16 solutions covering core banking, card management, middleware, payment switching (Nano Switch), acquiring, digital wallet, e-KYC, biometric verification, international remittance, QR payments, loyalty, mobile e-top-up, and robotic process automation.

The business operates a diversified revenue model combining hardware sales, software licensing, multi-year managed services contracts, transaction processing fees, and professional services deployment. Go-to-market is split between a direct enterprise sales motion into banks, telecoms, oil and gas, government, and large retailers, and a channel-driven motion anchored by the Ingenico master partnership for Middle East distribution and white-label arrangements such as the Magnati Android POS deployment. Customers include over 400 institutions globally, with regional awards in BFSI and managed services (2016–2019) signaling sustained incumbency in core banking, retail acquiring, and loyalty.

The group is privately held by the Al Owais family under the name OMA Emirates LLC (also trading as OMA Group), with subsidiaries including Solution Gulf, OMA Adriatic, OMA Digital Solutions (APAC), MobiSwipe (India), BRS (Morocco), Benefit Beyond, ALLO (Etisalat e-voucher partnership controlling 60%+ of UAE market), Anet, and OMA Tanzania. Reported group turnover is $2.5 billion against 501–1,000 employees and a managed base of 250,000 POS terminals, supported by ISO 9001 organizational certification and a portfolio of EMV and PCI PTS certifications across the terminal lineup.

Name

OMA Emirates

Legal name

OMA Emirates LLC

Website

https://omaemirates.com

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

501–1,000 employees

Short description

OMA Emirates is a UAE-headquartered payment solutions provider delivering card issuance, POS terminals, middleware, and managed payment services to banks, retailers, telecoms, and government clients across 14+ countries in the Middle East, Africa, Asia, and Europe.

Ownership category

akta.pro rank

Product category

Payment Technology Solutions

NAICS

Software Publishers (51321), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)

SIC

Services-Computer Integrated Systems Design (7373)

akta.pro primary industry

Digital Wallet Infrastructure (Tokenization, Wallet-as-a-Service) (FSAMAEAI)

Keywords

• Payment processing solutions
• Card management systems
• POS terminal hardware
• Digital banking solutions
• Card personalization services

Headquarters

HQ city

Sharjah

HQ country

United Arab Emirates

HQ region

Middle East

Offices13 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Supply Chain, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Hardware Sales: Sale of POS terminals, card printers, kiosks, and related payment hardware devices
2. Software Licensing: Licensing of payment software solutions including CMS, middleware, core banking, and digital wallet platforms
3. Managed Services: Ongoing managed services for POS terminal networks, payment processing, and technical support
4. Transaction Processing: Transaction processing fees from payment acquisition and switching services
5. Professional Services: Implementation, integration, and consulting services for payment solutions deployment

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

OMA Emirates provides end-to-end payment technology solutions for banks, financial institutions, telecoms, retailers, and government entities. The portfolio spans software solutions (card management, payment middleware, core banking, digital wallet, e-KYC, biometric authentication, RPA, loyalty) and hardware products (PCI PTS certified Android and traditional POS terminals, card printers, instant and central issuance systems, kiosks). The company also delivers managed services covering terminal management, transaction processing, and integration across more than 40 software platforms in 14+ countries.

Product overview

OMA Emirates is a comprehensive payment solutions provider offering both software solutions and hardware products. The software portfolio includes 16 solutions covering the entire payment value chain: OMA Middleware, e-KYC, International Remittance, Nano Switch, Card Management System, Digital Wallet, Managed Services, M-Banking, Core Banking, Acquiring Solution, Biometric Solution, Card Issuance Solution, QR Code Payment, Robotic Process Automation, Loyalty & Digital Gift Card Module, and Mobile E-top Up Solution. The hardware portfolio includes POS Terminals/Smart Terminals (proprietary OM series and Ingenico range), Instant Issuance and Central Issuance card personalization systems, Desktop Card Printers, Re-Transfer Printers, and Kiosks. The portfolio represents a platform-plus-modules architecture where solutions span from core banking/issuing infrastructure through to merchant-facing terminals, with hardware products serving as delivery mechanisms for the software ecosystem.

Differentiator

Problem solved

Functional benefit

Brands

• Benefits Beyond: Business-to-Business-to-Consumer loyalty program that enables retailers to enroll for co-branded loyalty programs and analyze customer data.
• OMA SoftPOS

Products and services

• OMA Middleware Middleware platform that connects various payment systems and enables interoperability between different banking and financial platforms, integrated with over 40 software platforms.
• Card Management System (CMS) Comprehensive card lifecycle management system for issuance, personalization, activation, and deactivation of payment cards.
• Nano Switch Payment switching solution for processing transactions across multiple payment networks and channels.
• Core Banking Backbone banking system handling core banking operations including account management, transactions, and ledger processing.
• Acquiring Solution Merchant acquiring solution enabling businesses to accept electronic card payments at POS terminals.
• Card Issuance Solution End-to-end card issuance platform for producing and personalizing credit, debit, and prepaid cards.
• Managed Services Outsourced management of payment infrastructure, POS terminals, and processing operations for financial institutions.
• POS Terminals (Smart Terminals) Range of Android-based and traditional POS terminals for merchant card acceptance, including portable and countertop devices supporting NFC, QR codes, and multiple connectivity options, with PCI PTS 5.x certification.
• Instant Issuance On-demand card issuance systems for immediate card printing and personalization at bank branches or retail locations.
• Central Issuance High-volume centralized card personalization systems for mass card production in secure data centers.
• Desktop Card Printers Compact desktop card printers for low to medium volume card production including single-sided and dual-sided printing options.
• Re-Transfer Printers High-quality re-transfer card printers producing edge-to-edge card printing for secure ID and payment card applications.
• Kiosk Self-service banking kiosks for account opening, card issuance, cash deposit/withdrawal, and other branch banking functions.
• Digital Wallet Mobile wallet solution enabling consumers to store payment credentials and make contactless transactions digitally.
• QR Code Payment QR code-based payment acceptance enabling customers to pay by scanning merchant QR codes with mobile wallets.

Quantifiable outcome

• 400+ customers globally
• +3 more outcomes

Named customers5 records

Segments7 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature8 records

Partnerships

Six partnerships are on record, tiered core.

• MagnaticoreOEM/ Whitelabel/ Licensing Partner · 1 April 2022OMA Emirates partners with Magnati to white label Android-based Point of Sales (POS) terminal devices deployed to registered Magnati merchant locations. The smart portable Android 7.x devices use the latest Android technology for transactions within seconds, linked to Magnati's Payment as a Platform offering.
• IngenicocoreChannel Partner/ Reseller/ DistributorMaster partners for Ingenico across Middle East regions and solution development company of the OMA Emirates Group. Distributes and customizes Ingenico POS terminals.
• Etisalat (ALLO)coreChannel Partner/ Reseller/ DistributorCollaboration with Etisalat for distribution of E-Vouchers and control of more than 60% of the UAE Market through ALLO brand.
• MobiSwipe TechnologiescoreStrategic or Co-development PartnerMobiSwipe acquired in 2016 - mobile payment solution enabling merchants to accept credit and debit card payments through the Mobiswipe application in India.
• Business Rules Solutions (BRS)coreStrategic or Co-development PartnerOMA Emirates subsidiary in Morocco - IT consulting firm specializing in software development in advanced technology field of payments. Acquired August 2015.
• OMA AdriaticcoreStrategic or Co-development Partner100% owned subsidiary in Adriatic and South Eastern European regions providing solutions in Card Personalization, Payment Issuance Acquiring and VAS, multi bank acquiring services along with loyalty and gift solutions.

Scale indicators9 records

Recent moves11 records

Expansion highlights6 records

Direct peers

• Network International: UAE-headquartered payment processor and acquirer serving banks and merchants across the Middle East and Africa. Closest direct competitor to OMA Emirates in merchant acquiring, card management and payment switching in the region.
• Pine Labs: Asia-focused POS and merchant payment solutions provider with a similar integrated hardware-plus-software model and large merchant footprint in India, Southeast Asia and the Middle East.
• Tap Payments: MENA-focused online and in-store payment gateway serving SMEs and enterprises across the Gulf. Comparable as a regional competitor targeting the same banks and merchants that OMA serves with its acquiring and gateway stack.
• Mswipe Technologies: Indian mobile POS and SmartPOS provider directly comparable to OMA's SoftPOS and Android terminal offerings; OMA acquired MobiSwipe (a similar Indian mPOS player) in 2016, signaling the same competitive battleground.
• PayTabs: MENA-headquartered online payment solutions provider serving merchants and SMEs. Comparable because it competes with OMA's digital wallet, QR and acquiring capabilities in the Gulf and wider Middle East.
• M2P Fintech: India-based payment infrastructure and API platform powering banks and fintechs with issuing, acquiring and processing. Comparable to OMA's middleware, CMS and managed services offerings for financial institutions across emerging Asia.

Broad incumbents

• Ingenico (Worldline): Global leader in POS terminals and payment acceptance; OMA Emirates' master partner and primary hardware supplier across the Middle East. Comparable because it designs, certifies and distributes the same class of PCI-certified payment terminals OMA sells.
• Verifone: Global POS terminal manufacturer and payment-acceptance solution provider competing with OMA in card personalization hardware, terminals and merchant services in emerging markets.
• Adyen: Global unified payments platform serving enterprise merchants with acquiring, processing and gateway services. As Adyen expands into the Middle East, it represents the global-incumbent threat to OMA's enterprise payment-processing franchise.
• NCR Corporation: Global provider of banking and retail POS/self-service hardware and software. Comparable because its ATM, kiosk and retail POS business directly overlaps with OMA's smart-terminal, kiosk and central-issuance card-personalization portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/oma-emirates--solution-gulf-llc

Compliance24 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries15 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about OMA Emirates