Consumer finance and fintech · Regulatory layer

Licensing and Regulatory Framework for Buy Now Pay Later

Sets licensing, governance, capital, credit-risk, disclosure, customer-protection and reporting requirements for BNPL providers.

Material typeCBO decision and regulation

Legal branchConsumer finance and fintech

Legal layerRegulatory layer

Source languageOfficial Arabic text and CBO material

Review dateSeptember 13, 2026

Document overview

Sets licensing, governance, capital, credit-risk, disclosure, customer-protection and reporting requirements for BNPL providers.

Scope and exclusions

Applies to

Applies to persons offering an in-scope BNPL product in Oman.

Limitations and exclusions

Banks and finance and leasing companies may fall under different regimes; merchant instalments and payment services require separate classification.

Official source

CBO Decision BM/61/2/2026 · effective 23 February 2026 · Central Bank of Oman

September 13, 2026

Open official source ↗

This editorial overview explains the instrument's subject and scope but does not replace the authoritative Arabic text or the current consolidated version.

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