Confirm this school fee payment

The customer still pays as a guest. The card issuer asks for a one-time verification before Epara captures money or posts ledger movement.

125,000 IQD

Verification requiredauth_school_2026_001 is waiting for code 000000.

Authentication evidence

Challengeauth_school_2026_001

Methodissuer_otp

Provider referenceacs_school_2026_001

Ledger impactnone before approval

Backoffice can see this challenge as proof that capture only happens after issuer authentication succeeds.

Authentication decision

What happens after OTP?

Issuer authentication is still guest-first: capture and receipt happen only after the payer approves the challenge.

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_001ready Approve issuer OTPAuthentication proves the payer approved the cardNo login requiredCapture only after authenticationcheckout_path_issuer_otpauth_school_2026_001requires action Retry failed attemptTry another card, wallet, or local methodNo login requiredNo money moved until retry succeedscheckout_path_failed_retryatt_school_failed_001failed

Payment screen map

What happens around OTP?

Issuer authentication is still guest-first, and capture happens only after the challenge succeeds.

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

Customer / issuerIssuer OTP challengescreen_issuer_otpLogin: NoWhat if my issuer asks for OTP?Capture happens only after authentication succeedsauth_school_2026_001requires action CustomerGuest card checkoutscreen_guest_cardLogin: NoCan I use a local card as a guest?Capture creates receipt, fee, reserve, ledger, and statement evidencecs_school_2026_001captured Customer / supportCustomer receiptscreen_receiptLogin: NoHow do I prove I paid?Read-only proof after captureEP-RCPT-2026-00041issued

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.

Merchant payment view Backoffice evidence