Payment Plans & Installments

At SkyOrbits, we offer several ways to pay for professional camera, lens, lighting, audio, and creator gear. Choose the option that fits you — and contact us if you need help deciding.

WhatsApp: +968 7997 9914  |  Showroom: Al Khoudh Oasis complex, Muscat

1. Bank Muscat and Meethaq — credit card Easy Payment Plan (EPP)

Bank Muscat and Meethaq Islamic Banking are two separate banks. Both offer a similar facility called Easy Payment Plan (EPP): pay with an eligible credit card at a participating merchant, then repay the bank in fixed monthly installments (typically up to 12 months, subject to bank terms).

SkyOrbits is listed as a participating merchant with both banks. The steps are the same in our showroom: ask for EPP before you pay, and ensure your card has enough available limit.

Bank Muscat (conventional banking)

• For eligible Bank Muscat credit cards (not corporate cards).
• Request EPP at checkout before the card is charged.
• Installment terms, merchant minimums, and approval are set by Bank Muscat.
• Each customer must call Bank Muscat (2479 5555) or check online banking to confirm eligibility before visiting us.

Bank Muscat — Easy Payment Plan (EPP) & merchant list

Meethaq Islamic Banking (separate Islamic bank)

• For eligible Meethaq credit cards (Sharia-compliant; not corporate cards).
• Same idea: request EPP at checkout when paying at SkyOrbits.
• Installment terms and approval are set by Meethaq, not by SkyOrbits.
• Each customer must call Meethaq or visit a branch to confirm card eligibility and EPP terms before relying on this option.

Meethaq — Easy Payment Plan (EPP) & merchant list

Debit card vs credit card — what is the difference?

• Debit card — linked to your current account. Money is taken directly from your balance. It is not a loan and usually cannot be used for installment plans.
• Credit card — a separate credit limit from the bank. You repay the bank later (full statement or installments, depending on your card program).

Important: SkyOrbits does not decide EPP approval. Always confirm with your bank (Bank Muscat or Meethaq) before your purchase.

2. Other banks' credit cards (no SkyOrbits agreement)

We do not have a direct installment agreement with other Omani banks. However, many customers use a credit card from the bank where their salary is transferred.

• Some banks let you convert a purchase to 5% or 10% monthly payments when you apply for the card, or per transaction.
• Rules differ by bank and card type.

You must confirm terms with your own bank before relying on this option. SkyOrbits can process a standard card payment if your bank approves the transaction.

3. IFIN — Bank Nizwa & Al Izz Islamic Bank

IFIN (Islamic Finance Initiation Network) is a Sharia-compliant platform used by partner banks for instant goods financing at authorised retailers.

SkyOrbits supports IFIN applications for customers of:

• Bank Nizwa
• Al Izz Islamic Bank

Visit our showroom with your ID and the mobile number registered with your bank. Approval and profit rates are decided by the bank via IFIN — not by SkyOrbits.

• Bank Nizwa
• Al Izz Islamic Bank

4. Financing & Islamic banks (quotation route)

For all financing companies and Islamic banks in Oman, we provide an official quotation for your chosen equipment.

1. Tell us what you need (WhatsApp, showroom, or website cart).
2. We issue a quotation on SkyOrbits letterhead.
3. You submit the quotation to your financing entity.
4. After approval, we arrange delivery or pickup per the finance agreement.

Disclaimer: Payment programs, profit rates, and eligibility are set by banks and finance providers. SkyOrbits does not guarantee approval. Terms may change without notice.