How does a Fawry payment work?
At checkout the shopper chooses Fawry and enters a mobile number. The provider requests a payment from Fawry and receives a reference number. The merchant shows the reference, the amount and the due date to the shopper, who can keep it on their phone.
The shopper then goes to a Fawry point, such as a kiosk, a partner shop or a convenience store, gives the reference and pays in cash. They can also pay it in the myFawry app. Fawry confirms the payment, and the provider moves the order from pending to paid and notifies the merchant.
Unpaid references expire. EBANX, for example, uses a seven-day window and accepts amounts from EGP 1 to EGP 100,000. If the shopper has not paid by the due date, the payment is cancelled. EBANX sends a notification on each status change, so the merchant always has a clear state for every order.
Why does Fawry matter for merchants?
It reaches shoppers who do not pay by card online. Many Egyptians do not have a card enabled for online payments, or prefer to pay cash on their own schedule. Fawry points are part of daily life for bills, mobile top-ups and fees, so a Fawry reference lets these shoppers buy online and pay at a shop nearby.
It is large and still growing. Fawry’s results for the first half of 2026 report an estimated 55.4 million monthly users, up from 54.1 million a year earlier. Fawry processed 1,057 million transactions in that half year, worth EGP 586.9 billion, and counts 36 active and contracted banks. Its retail network had about 379 thousand POS terminals at the end of June 2026. That figure is lower than a year earlier because Fawry removed underused terminals.
Its full year 2025 was strong too. Fawry reported 2,078 million transactions worth EGP 943.6 billion, revenue of EGP 8.65 billion and an estimated 54.8 million monthly users.
It is a familiar brand. Fawry also processes card, wallet and bill payments, and describes itself as a leading provider of e-payments in Egypt. Shoppers who see it at checkout know what to do next. For e-commerce, education, travel and digital goods, it adds a cash option without card fraud risk for the merchant.
What can go wrong?
Many references are never paid. As with any voucher, conversion is lower than for cards or wallets, and orders sit pending until expiry.
The expiry window is a trade-off. Long windows hold stock. Short ones lose shoppers who need a few days to reach a Fawry point. The window should match the product and the typical order value.
Amounts and dates must match. A shopper may try to pay an expired reference, which the agent cannot accept. The order then needs a new reference.
Refunds need a destination. Refunds are possible through the provider, but the shopper usually paid in cash. The merchant must agree how the money goes back, for example to a mobile wallet or a bank account.
How would Omno handle Fawry?
Omno would create the Fawry reference through a connected provider and show it in the hosted checkout with clear payment instructions, or through Direct Links on the merchant’s own checkout. The order would stay pending until Fawry confirms it. The final paid or expired status would reach the merchant by webhook, which is the source of truth for releasing goods. The merchant would set the expiry window per order. Merchant rules would show Fawry only for EGP payments within the provider’s amount range and to the customer groups the merchant chooses, and routing rules would pick the provider. In the hosted checkout, if that provider were unavailable or rejected the request, the payment would move to the next provider in the rule.