Epara Platform

Merchant launch journey

Live payments enabled

Merchant onboarding explains why the dashboard can create a collection page and why the public checkout is allowed to take 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.

Merchant activation contract

From application to live payments

Onboarding ties the owner application, KYB decision, pricing acceptance, payout destination, method readiness, and live approval into one launch gate.

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

Merchant go-live requirement

Iraq launch readiness

The merchant cannot be considered live-ready until local KYB, Arabic customer surfaces, IQD settlement settings, and payment methods are visible.

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

Merchant go-live methods

Payment method readiness

The merchant sees which payment methods can take live IQD money, which customer entry each creates, and which evidence proves the route is safe.

live ready

MerchantDemo Market

Live methods6 live / 0 blocked

Customer entry/pay/school-fee

Approvalpm_ready_demo_market_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

Method launch actions

Which payment methods go live with this merchant?

The merchant sees which customer payment entries are live and which Epara controls protect refunds, disputes, webhooks, and settlement.

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

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

Merchant ownerHow does the merchant share this tahsil page?QR, invoice PDF, WhatsApp copy, and SMS due reminder are readypm_action_qr_invoice_assetspm_qr_whatsapp_invoiceinvoice_pdf_school_2026_001No login required to open the linkSharing creates no money movement until checkout is completed

ready to send

Customer / Merchant ownerDoes the customer have to sign up?Wallet can save method and receipt history after payment, but card checkout stays guest-firstpm_action_optional_walletpm_epara_walletwallet_optional_after_receipt_2026Optional after receipt claimSaved method token does not change the original payment record

optional active

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

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

Approved merchants1Live payments enabled

Pending review0Maker-checker decision needed

Restricted0Monitor before go-live

Live channelsCheckout + POS167,000 IQD

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.

KYB and risk reviewEpara risk sees kyb_demo_market_approved

approved

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

Payout destinationFinance sees Rafidain Bank **** 8821

configured

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

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.

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.

Case	Merchant	Status	Stage	Requested By	Decided By	Decision
mapp_demo_market_2026	E-Ticaretik Demo Market	submitted	application_submitted	Sara Demo	Epara onboarding	reviewed_for_go_live
onb_demo_market_2026	E-Ticaretik Demo Market	approved	live enabled	Epara onboarding	Privileged operator	approved

Customer

Guest checkout

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

Statusready

Route/pay/school-fee

Open route

Merchant owner

Dashboard login

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

Statuslive ready

Route/login

Open route

Epara operator

Role-based backoffice

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

Statuscontrolled

Route/access-control

Open route

Case	Merchant	Requirement	Status	Mode
onb_demo_market_2026	E-Ticaretik Demo Market	Submit merchant application	submitted	Merchant owner
onb_demo_market_2026	E-Ticaretik Demo Market	Approve KYB and risk posture	kyb approved	Epara onboarding
onb_demo_market_2026	E-Ticaretik Demo Market	Configure payout destination	configured	Finance
onb_demo_market_2026	E-Ticaretik Demo Market	Accept pricing and reserve policy	accepted	Commercial
onb_demo_market_2026	E-Ticaretik Demo Market	Enable live payment methods	live enabled	Privileged operator

Live payments enabled

From application to live payments

Merchant activation gates

Iraq launch readiness

Localized customer surfaces

KYB and local launch evidence

Payment method readiness

Which payment methods go live with this merchant?

Merchant onboarding cases

Guest checkout

Dashboard login

Role-based backoffice

Requirement evidence