Guide
Approved merchants1Live payments enabled
Pending review0Maker-checker decision needed
Restricted0Monitor before go-live
Live channelsCheckout + POS167,000 IQD

Merchant onboarding cases

Applications create durable merchant records and balance accounts, while approval/restriction requires a separate privileged actor and creates no Ledger movement.

approved
1
Business profileMerchant owner sees legal_name_demo_market_iq
approved

Legal name, default IQD currency, owner contact, and business category are recorded before live payment enablement.

2
KYB and risk reviewEpara risk sees kyb_demo_market_approved
approved

Risk team approves the merchant for low-risk school-fee and counter payments.

3
Payout destinationFinance sees Rafidain Bank **** 8821
configured

Bank destination is configured before merchant balance can move to payout.

4
Payment methodsCheckout and Terminal ops sees Card Payment, Epara Wallet, ZainCash / POS card-present
ready

Hosted checkout, wallet/local methods, and card-present terminal readiness are available for the demo merchant.

5
Live mode approvalPrivileged operator sees perm_go_live_demo_market_001
completed

Live mode requires a privileged decision; test mode alone cannot settle real money.

CaseMerchantStatusStageRequested ByDecided ByDecision
mapp_demo_market_2026E-Ticaretik Demo Marketapplication_submittedSara DemoEpara onboardingreviewed_for_go_live
onb_demo_market_2026E-Ticaretik Demo Marketapprovedlive enabledEpara onboardingPrivileged operatorapproved
Customer

Guest checkout

Customer can pay by hosted checkout or POS without creating an Epara account. Receipt claim is optional after payment.

Login requiredNo
Statusready
Route/pay/school-fee
Merchant owner

Dashboard login

Merchant signs in, completes KYB, payout destination, payment methods, and creates collection pages or POS locations.

Login requiredYes
Statuslive ready
Route/login
Epara operator

Role-based backoffice

Risk, operations, finance, support, and privileged approvals use scoped roles and permission checks.

Login requiredYes
Statuscontrolled
Route/access-control

Requirement evidence

No ledger movement
CaseMerchantRequirementStatusMode
onb_demo_market_2026E-Ticaretik Demo MarketSubmit merchant applicationMerchant owner
onb_demo_market_2026E-Ticaretik Demo MarketApprove KYB and risk posturekyb approvedEpara onboarding
onb_demo_market_2026E-Ticaretik Demo MarketConfigure payout destinationconfiguredFinance
onb_demo_market_2026E-Ticaretik Demo MarketAccept pricing and reserve policyacceptedCommercial
onb_demo_market_2026E-Ticaretik Demo MarketEnable live payment methodslive enabledPrivileged operator
Developers