Hosted Checkout

School Fee Collection

Pay reference SCH-2026-00041. You can pay as a guest; creating an Epara account is optional for saved methods, wallet balance, and receipt history.

125,000 IQD
Collection pagePL-SCHOOL-2026

Choose payment method

Pay at counter or mobile scanQR and local wallet methods use the same Checkout Session and receipt trail.
Issuer OTP demoFailed payment retry demoExpired sessionCancelled checkout
Checkout decision center

How can I pay?

The payer can complete hosted checkout as a guest, approve issuer OTP, use optional wallet, retry safely, or understand no-capture outcomes.

checkout_decision_school_2026_001
ready
Entryguest_first
Account requiredNo
Checkout sessioncs_school_2026_001
Amount125,000 IQD
Pay as guest with cardIssuer auth can lead to captured payment and receiptNo login requiredCapture after approvalcheckout_path_guest_cardcs_school_2026_001readyApprove issuer OTPAuthentication proves the payer approved the cardNo login requiredCapture only after authenticationcheckout_path_issuer_otpauth_school_2026_001requires actionUse Epara WalletSaved method and wallet history are convenience featuresOptional login requiredSame receipt and payment object after capturecheckout_path_wallet_optionalwallet_optional_after_receipt_2026optional activeRetry failed attemptTry another card, wallet, or local methodNo login requiredNo money moved until retry succeedscheckout_path_failed_retryatt_school_failed_001failed
Payment screen map

Which payment screen am I on?

The customer can pay, authenticate, retry, or leave safely without creating an Epara account.

payment_screen_map_school_2026_001
ready
Entry ruleguest_firstHosted checkout: no account / Wallet and receipt history: optional
Collectionplink_school_2026cs_school_2026_001
Payment / receiptpay_scenario_001rcpt_scenario_001
CustomerHosted collection pagescreen_collection_pageLogin: NoCan I pay the merchant without signing up?No money moves until the payer confirms a methodplink_school_2026readyCustomerGuest card checkoutscreen_guest_cardLogin: NoCan I use a local card as a guest?Capture creates receipt, fee, reserve, ledger, and statement evidencecs_school_2026_001capturedCustomer / issuerIssuer OTP challengescreen_issuer_otpLogin: NoWhat if my issuer asks for OTP?Capture happens only after authentication succeedsauth_school_2026_001requires actionCustomerFailed payment retryscreen_retryLogin: NoCan I try another method?Failed attempt creates no receipt, fee, reserve, or payoutatt_school_failed_001failed
Payment method action console

Which payment methods can I use here?

The customer can pay by guest card, optional wallet, QR/shared link, or POS handoff without being forced to create an Epara account.

pm_action_console_demo_market_2026
live ready
Completed0/6Demo method state is local to this browser.
Login ruleGuest card: no login / Wallet: optional sign-inGuest card stays available.
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
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
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
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
Payment lifecycle

Checkout session ready

Customer can pay as guest. Authentication, capture, and receipt happen without forcing account signup.

checkout created
Checkoutcs_school_2026_001
Paymentpay_scenario_001
Amount125,000 IQD
Receiptafter capture
Statementpending
Checkout session createdHosted checkout receives the merchant link, amount, locked reference, and allowed payment methods.cs_school_2026_001
created
Issuer authentication requiredCustomer can still pay as guest; issuer OTP must pass before capture.auth_school_2026_001
ready
Authentication approvedAuthentication evidence is retained for risk, support, and dispute work.acs_school_2026_001
pending
Payment authorizedThe selected IQD card route confirms the amount before capture.route_live_cards_iqd
pending
Capture postedGross, fee, merchant net, and reserve hold become immutable ledger evidence.mov_payment_capture_001
pending
Receipt issuedCustomer receives an immutable receipt without needing an Epara account.EP-RCPT-2026-00041
pending
Merchant webhook deliveredMerchant endpoint receives signed payment.captured notification.evt_payment_captured_001
pending
Statement matchedHosted checkout capture appears in merchant statement and operator reconciliation.set_2026_06_15_iqd
pending
Payout pendingEligible merchant balance waits for provider payout confirmation.po_school_2026_001
pending

Failed, expired, and cancelled checkout sessions never create fee, reserve, receipt, or payout lines.

Customer checkout localization

Iraq checkout readiness

Guest payers see IQD amount, Arabic RTL copy, English fallback, receipt evidence, and local-method readiness on the same checkout session.

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