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KFH Payment Solutions

Kuwait Finance House offers a range of secure and smart e-payment services designed to meet the needs of companies, merchants and business owners.

Our services make it easier for you to navigate and manage your business. They also facilitate the payment collection process through Point of Sale (POS) terminals, or online payment channels.

Point of Sale (POS) Terminals

  • KFH provides businesses and institutions with advanced POS services that streamline and manage cash transactions efficiently. This service allows customers to pay electronically using local (KNET, Visa, Mastercard) and international cards.

 

  • A safe way to pay without using cash.
  • Multiple payment options through debit and credit card acceptance.
  •  A simplified purchasing process for customers, saving time and enhancing service.
  • Access to electronic account statements.
  • Fast transaction settlement—funds are deposited into the merchant’s account the following business morning.
  •  Reduced risk of handling cash.

 

  • How long does it take to receive a POS device after signing the contract?

Usually 3–7 business days depending on the bank or service provider.

  • Are there service fees?

Yes. Installation fees, a monthly rental, and per-transaction commission apply, agreed with the merchant prior to signing. (Fees vary by business type and contract duration.)

  • What payment methods can be accepted?

Debit, credit, and GCC cards (Visa, Mastercard, etc.).

  • Is there a transaction limit?

No. The number of transactions depends on the card issuer.

  • When are POS transactions deposited?

Within 1–2 business days.

  • Can I request multiple POS devices?

Yes, subject to approval—ideal for merchants with multiple branches or high transaction volumes.

  • Is training provided?

Yes, installation usually includes a short training session for staff.

  • Who do I contact for support?

The KFH merchant support team or payment service provider via:
MerchantSupport@kfh.com&merchantsales@kfh.com 

  • KFH provides businesses and institutions with advanced POS services that streamline and manage cash transactions efficiently. This service allows customers to pay electronically using local (KNET, Visa, Mastercard) and international cards.

 

  • A safe way to pay without using cash.
  • Multiple payment options through debit and credit card acceptance.
  •  A simplified purchasing process for customers, saving time and enhancing service.
  • Access to electronic account statements.
  • Fast transaction settlement—funds are deposited into the merchant’s account the following business morning.
  •  Reduced risk of handling cash.

 

  • How long does it take to receive a POS device after signing the contract?

Usually 3–7 business days depending on the bank or service provider.

  • Are there service fees?

Yes. Installation fees, a monthly rental, and per-transaction commission apply, agreed with the merchant prior to signing. (Fees vary by business type and contract duration.)

  • What payment methods can be accepted?

Debit, credit, and GCC cards (Visa, Mastercard, etc.).

  • Is there a transaction limit?

No. The number of transactions depends on the card issuer.

  • When are POS transactions deposited?

Within 1–2 business days.

  • Can I request multiple POS devices?

Yes, subject to approval—ideal for merchants with multiple branches or high transaction volumes.

  • Is training provided?

Yes, installation usually includes a short training session for staff.

  • Who do I contact for support?

The KFH merchant support team or payment service provider via:
MerchantSupport@kfh.com&merchantsales@kfh.com 

E-Payment Gateway (EPG)

  • Offer your customers a seamless and secure online payment experience with KFH’s E-Payment Gateway, the ideal solution to collect payments quickly, efficiently, and with flexible options. Our gateway is fully compliant with the latest security standards, ensuring reliable transactions whether for products or services, helping you expand confidently in a dynamic marketplace.

 

  • Safe and convenient online payment.
  • Multiple payment options via debit and credit cards (Visa, Mastercard).
  • Instant deposits of online sales directly into your business account.
  • Save time and boost revenue efficiency.
  •  How long does activation take after signing?

Usually 5–10 business days depending on approval and technical integration.

  • Are there fees?

Yes. A one-time, non-refundable setup fee, a monthly fee, and per-transaction commission agreed before contracting.

  • What payment methods are accepted?

All debit and credit cards.

  • Is there a transaction limit?

No. It depends on the card issuer.

  • When are funds deposited?

Within 1–2 business days.

  • Is technical integration required?

Yes, your website or app must integrate with the gateway. Most providers offer ready-made plugins, APIs, or developer support.

  • Who do I contact for support?

Merchant support & sales  teams from the gateway provider.
MerchantSupport@kfh.com&merchantsales@kfh.com 

  • Offer your customers a seamless and secure online payment experience with KFH’s E-Payment Gateway, the ideal solution to collect payments quickly, efficiently, and with flexible options. Our gateway is fully compliant with the latest security standards, ensuring reliable transactions whether for products or services, helping you expand confidently in a dynamic marketplace.

 

  • Safe and convenient online payment.
  • Multiple payment options via debit and credit cards (Visa, Mastercard).
  • Instant deposits of online sales directly into your business account.
  • Save time and boost revenue efficiency.
  •  How long does activation take after signing?

Usually 5–10 business days depending on approval and technical integration.

  • Are there fees?

Yes. A one-time, non-refundable setup fee, a monthly fee, and per-transaction commission agreed before contracting.

  • What payment methods are accepted?

All debit and credit cards.

  • Is there a transaction limit?

No. It depends on the card issuer.

  • When are funds deposited?

Within 1–2 business days.

  • Is technical integration required?

Yes, your website or app must integrate with the gateway. Most providers offer ready-made plugins, APIs, or developer support.

  • Who do I contact for support?

Merchant support & sales  teams from the gateway provider.
MerchantSupport@kfh.com&merchantsales@kfh.com 

Soft POS (Mobile Point of Sale on Your Device)

  • With KFH’s Soft POS service, you can turn your Android smartphone into a POS device—accepting customer payments quickly and easily without additional hardware. The service supports debit cards and digital wallets (not credit cards).
  • Available on Android 11 and above with NFC capability.
  • Easy and fast setup.
  • Accepts debit card and digital wallet payments.
  • Contactless transactions between KD 25–250 without a card, and up to KD 25 with a card.
  • Unlimited transactions.
  • Digital receipts via QR code—no paper required.
  • Secure connection required (not available on unprotected networks).
  • For inquiries: merchantsales@kfh.com
  •  What is the service?

Turning your smartphone into a POS device for debit and wallet payments.

  • Who is eligible?

Companies and institutions (not individuals).

  • How do I apply?

Contact the Merchant Sales team: merchantsales@kfh.com

  • How long does activation take?

5 business days.

  • Is there a transaction limit?

Unlimited transactions, with a per-transaction cap of KD 250.

  • Are credit cards accepted?

Currently only debit cards.

  • Is it secure?

Yes—transactions meet the highest KFH security standards.

 

  • With KFH’s Soft POS service, you can turn your Android smartphone into a POS device—accepting customer payments quickly and easily without additional hardware. The service supports debit cards and digital wallets (not credit cards).
  • Available on Android 11 and above with NFC capability.
  • Easy and fast setup.
  • Accepts debit card and digital wallet payments.
  • Contactless transactions between KD 25–250 without a card, and up to KD 25 with a card.
  • Unlimited transactions.
  • Digital receipts via QR code—no paper required.
  • Secure connection required (not available on unprotected networks).
  • For inquiries: merchantsales@kfh.com
  •  What is the service?

Turning your smartphone into a POS device for debit and wallet payments.

  • Who is eligible?

Companies and institutions (not individuals).

  • How do I apply?

Contact the Merchant Sales team: merchantsales@kfh.com

  • How long does activation take?

5 business days.

  • Is there a transaction limit?

Unlimited transactions, with a per-transaction cap of KD 250.

  • Are credit cards accepted?

Currently only debit cards.

  • Is it secure?

Yes—transactions meet the highest KFH security standards.

 

Virtual Point of Sale (VPOS)

  • KFH provides unattended Virtual POS locations, ideal for vending machines, parking systems, and open public areas—allowing payments without staff intervention.
  • Secure, cashless payment.
  • Debit, Visa, Mastercard, and GCC card acceptance.
  • Faster customer checkout and improved service.
  • Electronic statements.
  • Same-day transaction settlement (next business morning).
  • Lower cash-handling risks.
  •  Do I need technical integration?

Yes. The Virtual POS must be integrated with the merchant’s cashier system or self-service machine. This is done through the merchant’s system provider in coordination with KNET.

  • How long does it take to receive a POS location after signing the contract?

Approval and installation usually take between 3 to 7 business days, depending on the bank or service provider.

  • Are there service fees?

Yes. Installation fees, monthly rental charges, and per-transaction commission apply. These are agreed with the merchant prior to contracting. (Fees may vary depending on business type and contract duration.)

  • What types of payments can I accept with the Virtual POS location?

Debit and credit cards, including GCC cards (Visa, Mastercard, and others).

  • Is there a transaction limit on the Virtual POS location?

No. The number of transactions depends on the issuing bank of the card.

  • When are POS transactions deposited into my account?

Funds are transferred into your account within 1–2 business days.

  • Can I request more than one Virtual POS location?

Yes. Merchants with multiple branches or high transaction volumes may request additional Virtual POS locations (subject to provider approval).

  • Is training provided for using the device?

Yes. Installation normally includes a quick training session for you and your staff.

  • Who do I contact for support after installation?

You can reach the Merchant Support Team at KFH or your payment service provider for technical assistance or settlement inquiries via email:
MerchantSupport@kfh.com

  • KFH provides unattended Virtual POS locations, ideal for vending machines, parking systems, and open public areas—allowing payments without staff intervention.
  • Secure, cashless payment.
  • Debit, Visa, Mastercard, and GCC card acceptance.
  • Faster customer checkout and improved service.
  • Electronic statements.
  • Same-day transaction settlement (next business morning).
  • Lower cash-handling risks.
  •  Do I need technical integration?

Yes. The Virtual POS must be integrated with the merchant’s cashier system or self-service machine. This is done through the merchant’s system provider in coordination with KNET.

  • How long does it take to receive a POS location after signing the contract?

Approval and installation usually take between 3 to 7 business days, depending on the bank or service provider.

  • Are there service fees?

Yes. Installation fees, monthly rental charges, and per-transaction commission apply. These are agreed with the merchant prior to contracting. (Fees may vary depending on business type and contract duration.)

  • What types of payments can I accept with the Virtual POS location?

Debit and credit cards, including GCC cards (Visa, Mastercard, and others).

  • Is there a transaction limit on the Virtual POS location?

No. The number of transactions depends on the issuing bank of the card.

  • When are POS transactions deposited into my account?

Funds are transferred into your account within 1–2 business days.

  • Can I request more than one Virtual POS location?

Yes. Merchants with multiple branches or high transaction volumes may request additional Virtual POS locations (subject to provider approval).

  • Is training provided for using the device?

Yes. Installation normally includes a quick training session for you and your staff.

  • Who do I contact for support after installation?

You can reach the Merchant Support Team at KFH or your payment service provider for technical assistance or settlement inquiries via email:
MerchantSupport@kfh.com

Integrated Point of Sale (IPOS)

  • KFH’s IPOS allows full integration of your company’s systems with payment services—ideal for self-service transactions such as vending machines, parking, and self-checkouts.
  • A secure method of payment without the need for cash.
  • Multiple payment options through debit card, Visa, and Mastercard acceptance.
  •  A simplified purchasing process for customers, saving time and enhancing service.
  • Access to electronic account statements.
  • Fast transaction settlement, with funds deposited into the merchant’s account by the next business morning.
  • Reduced risks associated with handling cash.
  • Do I need technical integration?

Yes. The device must be connected to the merchant’s cashier system or self-service machine. This is handled through the merchant’s system provider in coordination with KNET.

  • How long does it take to receive a POS terminal after signing the contract?

Approval and installation are usually completed within 3–7 business days, depending on the bank or service provider.

  • Are there service fees?

Yes. Installation fees, monthly rental charges, and per-transaction commissions apply. These are agreed with the merchant before contracting. (Fees vary depending on business type and contract duration.)

  • What payment methods can I accept with the POS terminal?

Debit and credit cards, including GCC cards (Visa, Mastercard, and others).

  • Is there a limit to the number of transactions on the device?

No. The number of transactions depends on the card issuer.

  • When are POS transactions credited to my account?

Funds are deposited into your account within 1–2 business days.

  • Can I request more than one POS terminal?

Yes. Merchants with multiple branches or high transaction volumes may request additional devices (subject to provider approval).

  • Is training provided on how to use the device?

Yes. Installation usually includes a short training session for you and your staff.

  • Who can I contact for support after installation?

You can reach KFH’s Merchant Support Team or your payment service provider for technical assistance or settlement inquiries via:
MerchantSupport@kfh.com

  • KFH’s IPOS allows full integration of your company’s systems with payment services—ideal for self-service transactions such as vending machines, parking, and self-checkouts.
  • A secure method of payment without the need for cash.
  • Multiple payment options through debit card, Visa, and Mastercard acceptance.
  •  A simplified purchasing process for customers, saving time and enhancing service.
  • Access to electronic account statements.
  • Fast transaction settlement, with funds deposited into the merchant’s account by the next business morning.
  • Reduced risks associated with handling cash.
  • Do I need technical integration?

Yes. The device must be connected to the merchant’s cashier system or self-service machine. This is handled through the merchant’s system provider in coordination with KNET.

  • How long does it take to receive a POS terminal after signing the contract?

Approval and installation are usually completed within 3–7 business days, depending on the bank or service provider.

  • Are there service fees?

Yes. Installation fees, monthly rental charges, and per-transaction commissions apply. These are agreed with the merchant before contracting. (Fees vary depending on business type and contract duration.)

  • What payment methods can I accept with the POS terminal?

Debit and credit cards, including GCC cards (Visa, Mastercard, and others).

  • Is there a limit to the number of transactions on the device?

No. The number of transactions depends on the card issuer.

  • When are POS transactions credited to my account?

Funds are deposited into your account within 1–2 business days.

  • Can I request more than one POS terminal?

Yes. Merchants with multiple branches or high transaction volumes may request additional devices (subject to provider approval).

  • Is training provided on how to use the device?

Yes. Installation usually includes a short training session for you and your staff.

  • Who can I contact for support after installation?

You can reach KFH’s Merchant Support Team or your payment service provider for technical assistance or settlement inquiries via:
MerchantSupport@kfh.com

KFH’s Zaheb Service

  • KFH’s Zaheb platform enables merchants to create and share secure payment links via email or SMS. Payments can be tracked in real time (pending, successful, failed). The platform also supports static and dynamic QR codes.
  • Cashless payments.
  • Secure revenue collection.
  • Unlimited users.
  • Recurring payments supported.
  • Enhanced customer convenience.
  • Easy-to-use interface.
  • A wide range of payment solutions tailored to your business needs.
  • The highest acceptance rate for banking cards (debit, credit, Visa, Mastercard, and international cards).
  • State-of-the-art fixed and mobile terminals equipped with advanced technology.
  • Short-term availability to support temporary events and exhibitions.
  •  Access to detailed electronic account statements.
  • A dedicated team of specialists providing merchant support.
  • Competitive and flexible pricing packages.
  • Fast and hassle-free terminal installation.
  • Innovative smart payment solutions.
  • How many users can a merchant create for their team?

An unlimited number of users.

  • How many payment links can be sent within 24 hours?

An unlimited number of links.

  • When does a payment link expire?

Links are valid for 24 hours.

  • Is there a limit to the number of QR codes I can generate?

No, QR codes are unlimited.

  • Can I add an unlimited number of stores?

The number of stores is determined based on the agreement with the merchant.

  • How long does it take to activate the service?

Activation is completed within 5–7 business days.

  • KFH’s Zaheb platform enables merchants to create and share secure payment links via email or SMS. Payments can be tracked in real time (pending, successful, failed). The platform also supports static and dynamic QR codes.
  • Cashless payments.
  • Secure revenue collection.
  • Unlimited users.
  • Recurring payments supported.
  • Enhanced customer convenience.
  • Easy-to-use interface.
  • A wide range of payment solutions tailored to your business needs.
  • The highest acceptance rate for banking cards (debit, credit, Visa, Mastercard, and international cards).
  • State-of-the-art fixed and mobile terminals equipped with advanced technology.
  • Short-term availability to support temporary events and exhibitions.
  •  Access to detailed electronic account statements.
  • A dedicated team of specialists providing merchant support.
  • Competitive and flexible pricing packages.
  • Fast and hassle-free terminal installation.
  • Innovative smart payment solutions.
  • How many users can a merchant create for their team?

An unlimited number of users.

  • How many payment links can be sent within 24 hours?

An unlimited number of links.

  • When does a payment link expire?

Links are valid for 24 hours.

  • Is there a limit to the number of QR codes I can generate?

No, QR codes are unlimited.

  • Can I add an unlimited number of stores?

The number of stores is determined based on the agreement with the merchant.

  • How long does it take to activate the service?

Activation is completed within 5–7 business days.

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