Epara Platform

Merchant launch journey

Live payments enabled

Internal onboarding, finance, and privileged approval teams control live enablement before the merchant can process real money.

live enabled

Applicationmapp_demo_market_2026

MerchantDemo Market

Expected monthly volume85,000,000 IQD

Pricing2% card fee, 5% reserve

PayoutRafidain Bank **** 8821

Application submittedOwner provides legal profile, first use case, expected IQD volume, and requested products.mapp_demo_market_2026

submitted

KYB and risk reviewInternal review confirms merchant category, owner details, and launch risk before live access.kyb_demo_market_approved

under review

KYB approvedMerchant risk posture is approved before live credentials.kyb_demo_market_approved

kyb approved

Live payments enabledOnly after separate approval can the merchant publish a real collection page or activate POS.perm_go_live_demo_market_001

live enabled

Collection page can publishSchool Fee Collection can become public after live mode is enabled.ready_school_link_2026

ready to publish

Merchant onboarding creates accounts and permissions, but no customer money moves until a payment is captured.

Go-live gate

Who allowed real customer money to move?

Backoffice sees the controlled decision chain before live checkout or POS can settle: onboarding, KYB, pricing, payout, method readiness, and privileged approval.

merchant_activation_demo_market_2026

live enabled

Applicationmapp_demo_market_2026

Pricingprice_demo_market_iq_2026

PayoutRafidain Bank **** 8821

First collectionplink_school_2026

Merchant ownerCan I start without a developer?Submit business profile and first use case, then wait for reviewactv_owner_applicationmapp_demo_market_2026No customer money can movesubmitted Epara onboardingIs this merchant allowed to go live?Approve KYB, owner authority, category, and risk postureactv_kyb_riskkyb_demo_market_approvedStill blocked until live approvalkyb approved Merchant ownerWhat will Epara charge me?Accept card, wallet, terminal fees, reserve, and IQD settlementactv_pricing_acceptanceprice_demo_market_iq_2026Pricing explains every future deductionaccepted Merchant financeWhere will settled money arrive?Configure local bank destination and payout calendaractv_payout_destinationRafidain Bank **** 8821Captured money can become payable after statement matchactive Checkout and terminal opsWhich customer payment screens are live?Enable hosted checkout, payment links, local card route, wallet option, and POS readinessactv_payment_methodspm_ready_demo_market_2026Customer can pay only after method readiness passesready Privileged operatorCan real customer money move now?Approve go-live review with maker-checker evidenceactv_live_permissionperm_go_live_demo_market_001Live checkout and POS captures are now allowedlive enabled

Merchant activation gates

Gate ID	Actor	Business question	Decision	Evidence	Customer money	Status
actv_owner_application	Merchant owner	Can I start without a developer?	Submit business profile and first use case, then wait for review	mapp_demo_market_2026	No customer money can move	submitted
actv_kyb_risk	Epara onboarding	Is this merchant allowed to go live?	Approve KYB, owner authority, category, and risk posture	kyb_demo_market_approved	Still blocked until live approval	kyb approved
actv_pricing_acceptance	Merchant owner	What will Epara charge me?	Accept card, wallet, terminal fees, reserve, and IQD settlement	price_demo_market_iq_2026	Pricing explains every future deduction	accepted
actv_payout_destination	Merchant finance	Where will settled money arrive?	Configure local bank destination and payout calendar	Rafidain Bank **** 8821	Captured money can become payable after statement match	active
actv_payment_methods	Checkout and terminal ops	Which customer payment screens are live?	Enable hosted checkout, payment links, local card route, wallet option, and POS readiness	pm_ready_demo_market_2026	Customer can pay only after method readiness passes	ready
actv_live_permission	Privileged operator	Can real customer money move now?	Approve go-live review with maker-checker evidence	perm_go_live_demo_market_001	Live checkout and POS captures are now allowed	live enabled

Backoffice launch control

Iraq operator readiness

Operators review the same local market evidence before enabling live hosted checkout, QR, wallet, and POS traffic.

ready

Localear-IQ RTL

Currency125,000 IQD

Cut-off17:00 Asia/Baghdad

Evidenceloc_iq_readiness_2026_001

دفع رسوم المدرسة١٢٥٬٠٠٠ د.عرقم المرجع SCH-2026-00041

تم الدفع بنجاح. الإيصال جاهز بدون إنشاء حساب.

Hosted checkoutloc_checkout_ar_iq_school_001Arabic RTL copy, IQD amount, English fallback

Local card switchroute_live_cards_iqdIQD authorization and receipt trail

QR / WhatsApp / invoice linktmpl_school_fee_whatsapp_iqdArabic share copy and locked student reference

POS contactlesstmready_card_present_2026_001Receipt by payment id and terminal batch evidence

Localized customer surfaces

Surface	Locale	Direction	Evidence	Status
Customer checkout	ar-IQ RTL	rtl	loc_checkout_ar_iq_school_001	ready
Receipt and refund status	ar-IQ RTL	rtl	loc_receipt_ar_iq_school_001	ready
Merchant dashboard	en / ar	ltr / rtl	loc_shell_ar_fallback_2026_001	configured
Support response	ar-IQ RTL	rtl	loc_support_ar_receipt_2026_001	ready

KYB and local launch evidence

Requirement	Owner	Evidence	Status
Iraq legal merchant profile	Merchant owner	mapp_demo_market_2026	submitted
Trade license / commercial registration	Epara onboarding	iq_kyb_trade_license_2026	approved
Owner identity and role authority	Epara risk	kyb_demo_market_approved	kyb approved
Local bank payout destination	Finance	Rafidain Bank **** 8821	configured
IQD pricing and reserve acceptance	Commercial	price_demo_market_iq_2026	accepted

Operator method approval

Payment method readiness

Backoffice sees the same method approval evidence before enabling hosted checkout, local card, wallet, QR/share, and POS traffic.

live ready

MerchantDemo Market

Live methods6 live / 0 blocked

Customer entry/pay/school-fee

Approvalpm_review_demo_market_iq_2026

Hosted checkoutGuest checkout pagepm_hosted_checkoutready_school_link_2026ready Payment LinksMerchant-created tahsil pagepm_payment_linkplink_school_2026active Local card switchCard payment without Epara accountpm_local_card_switchroute_live_cards_iqdready Epara WalletOptional sign-in for saved method and wallet balancepm_epara_walletwallet_optional_after_receipt_2026optional active QR / WhatsApp / invoiceScan or open shared collection linkpm_qr_whatsapp_invoicetmpl_school_fee_whatsapp_iqdready to send POS contactlessCounter guest payer taps card or phone walletpm_pos_contactlesstmready_card_present_2026_001contactless ready

Customer payment entries

Hosted checkoutready

Guest checkout pageCreate collection pagepm_hosted_checkoutready_school_link_2026

Payment Linksactive

Merchant-created tahsil pageShare by URL, QR, invoice, WhatsApppm_payment_linkplink_school_2026

Local card switchready

Card payment without Epara accountEnabled after live approvalpm_local_card_switchroute_live_cards_iqd

Epara Walletoptional active

Optional sign-in for saved method and wallet balanceAllowed as optional checkout methodpm_epara_walletwallet_optional_after_receipt_2026

QR / WhatsApp / invoiceready to send

Scan or open shared collection linkGenerate artifacts from payment linkpm_qr_whatsapp_invoicetmpl_school_fee_whatsapp_iqd

POS contactlesscontactless ready

Counter guest payer taps card or phone walletTerminal location and reader readinesspm_pos_contactlesstmready_card_present_2026_001

Downstream controls

Refund controlsapproval ready

Refund can be requested; approval moves moneySupport / maker-checkerpm_control_refundrefreq_school_2026_001

Dispute evidenceready

Receipt, checkout, auth, webhook, and support proof are readyRisk and supportpm_control_disputedisp_school_2026_001

Webhook deliverywebhook delivered

Merchant system can fulfill only after signed capture eventDeveloper operationspm_control_webhookevt_payment_captured_001

Settlement and payoutprovider pending

Captured money becomes statement and provider-pending payoutMerchant finance / treasurypm_control_settlementpo_school_2026_001

Customer payment entries

Method ID	Method	Customer experience	Merchant control	Evidence	Status
pm_hosted_checkout	Hosted checkout	Guest checkout page	Create collection page	ready_school_link_2026	ready
pm_payment_link	Payment Links	Merchant-created tahsil page	Share by URL, QR, invoice, WhatsApp	plink_school_2026	active
pm_local_card_switch	Local card switch	Card payment without Epara account	Enabled after live approval	route_live_cards_iqd	ready
pm_epara_wallet	Epara Wallet	Optional sign-in for saved method and wallet balance	Allowed as optional checkout method	wallet_optional_after_receipt_2026	optional active
pm_qr_whatsapp_invoice	QR / WhatsApp / invoice	Scan or open shared collection link	Generate artifacts from payment link	tmpl_school_fee_whatsapp_iqd	ready to send
pm_pos_contactless	POS contactless	Counter guest payer taps card or phone wallet	Terminal location and reader readiness	tmready_card_present_2026_001	contactless ready

Downstream controls

Control ID	Control	Owner	Customer promise	Evidence	Status
pm_control_refund	Refund controls	Support / maker-checker	Refund can be requested; approval moves money	refreq_school_2026_001	approval ready
pm_control_dispute	Dispute evidence	Risk and support	Receipt, checkout, auth, webhook, and support proof are ready	disp_school_2026_001	ready
pm_control_webhook	Webhook delivery	Developer operations	Merchant system can fulfill only after signed capture event	evt_payment_captured_001	webhook delivered
pm_control_settlement	Settlement and payout	Merchant finance / treasury	Captured money becomes statement and provider-pending payout	po_school_2026_001	provider pending

Operator method actions

What must Epara approve before live traffic?

Backoffice confirms the local card route, hosted checkout gate, POS readiness, and downstream money controls before customer traffic goes live.

pm_action_console_demo_market_2026

live ready

Completed0/6Demo method state is local to this browser.

Customer entry/pay/school-fee6 live methods

Approvalpm_review_demo_market_iq_2026pm_ready_demo_market_2026

Epara method operationsWhich rail captures IQD card payments?Local Card Switch route is approved for guest card and issuer OTP pathspm_action_operator_local_cardpm_local_card_switchroute_live_cards_iqdNo customer account requiredEpara controls acquirer routing; merchant sees the captured payment result

ready

CustomerCan I pay without creating an Epara account?Guest card checkout is available on the merchant collection pagepm_action_guest_card_checkoutpm_hosted_checkoutready_school_link_2026No login requiredPayment capture creates receipt, ledger, fee, reserve, and statement evidence

ready

Terminal operationsCan a counter customer tap card or phone wallet?Reader, location, heartbeat, terminal batch, and POS receipt controls are readypm_action_pos_contactlesspm_pos_contactlesstmready_card_present_2026_001No counter signup requiredTerminal batch must reconcile before payout contribution is trusted

contactless ready

Epara backofficeWhat protects refunds, disputes, webhooks, and settlement?Refund maker-checker, dispute evidence, webhook delivery, and payout control are linkedpm_action_downstream_controlspm_control_settlementpm_control_settlementNot customer-facingBackoffice controls move money; merchant method settings do not

controlled

Latest method resultpm_action_guest_card_checkoutGuest card checkout is available on the merchant collection pagePayment capture creates receipt, ledger, fee, reserve, and statement evidence

Open method evidence

Merchants00 approved

Live enabled00 ready checklists

KYB evidence0 / 00 merchant cases

Pending launch work00 need configuration

Control State

Review queueready

No-Ledger evidence0

KYB Ledger refs0 / 0

No records yetRecords will appear here after the first live or test activity.

Live payments enabled

Who allowed real customer money to move?

Merchant activation gates

Iraq operator readiness

Localized customer surfaces

KYB and local launch evidence

Payment method readiness

Customer payment entries

Downstream controls

Customer payment entries

Downstream controls

What must Epara approve before live traffic?

Control State

Launch Readiness

Onboarding Cases

KYB Evidence

KYB Files

Merchant Verification Cases

KYB Gate Checks

Go-Live Reviews

Account Control Requests

Readiness Checklist

Merchant Accounts

KYB Ledger References

Control Evidence