Mode

Create Collection Page

Merchant owner flow for creating, checking, publishing, and sharing a hosted checkout page before the customer pays.

Payment linksPublished linkCustomer checkoutBusiness scenario
Merchant launch journey

Live payments enabled

The collection page can be drafted anytime, but publishing a real checkout requires live payments to be enabled.

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.

Collection page method gate

Payment method readiness

The collection page can be published only because hosted checkout, local card route, wallet, QR/share assets, and POS handoff are ready.

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_2026readyPayment LinksMerchant-created tahsil pagepm_payment_linkplink_school_2026activeLocal card switchCard payment without Epara accountpm_local_card_switchroute_live_cards_iqdreadyEpara WalletOptional sign-in for saved method and wallet balancepm_epara_walletwallet_optional_after_receipt_2026optional activeQR / WhatsApp / invoiceScan or open shared collection linkpm_qr_whatsapp_invoicetmpl_school_fee_whatsapp_iqdready to sendPOS contactlessCounter guest payer taps card or phone walletpm_pos_contactlesstmready_card_present_2026_001contactless ready
Collection method actions

Which payment methods can this collection page use?

Before publishing, the merchant confirms guest card, QR/invoice sharing, optional wallet, and POS handoff readiness.

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
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
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
Payment screen map

Which customer screens can this collection page create?

The merchant-created page can open guest checkout, issuer OTP, retry/no-capture outcomes, receipt proof, and refund receipt evidence.

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_001failedCustomer / supportExpired checkoutscreen_expiredLogin: NoDid money move after timeout?No capture and no refund workcs_school_2026_expired_001expiredCustomer / supportCancelled checkoutscreen_cancelledLogin: NoWhat if I cancel before paying?No customer money movedcs_school_2026_cancelled_001cancelledCustomer / supportCustomer receiptscreen_receiptLogin: NoHow do I prove I paid?Read-only proof after captureEP-RCPT-2026-00041issued
Merchant collection builder

School Fee Collection

Merchant owner creates a fixed school-fee collection page, checks live readiness, publishes the public checkout URL, then receives a guest payment.

ready to publish
Draft details enteredplink_draft_school_2026 stores title, amount, reference, methods, and after-payment rules.
Readiness checkedready_school_link_2026 verifies merchant live status, IQD limits, and payment methods.
Published to public URLPL-SCHOOL-2026 becomes shareable through WhatsApp, QR, invoice link.
Customer payment capturedcs_school_2026_001 creates pay_scenario_001, receipt, webhook, statement, and backoffice evidence.

Collection page setup

The merchant creates a hosted checkout page without writing code. API setup stays optional for developer merchants.

ready
Card PaymentGuest checkout allowed
Epara WalletOptional customer sign-in
ZainCashLocal Iraq payment method

Customer preview

Live preview
Hosted CheckoutSchool Fee Collection

Pay reference SCH-2026-00041. You can pay as a guest; Epara Wallet sign-in is optional.

125,000 IQD
Pay as guest with carddraft
Epara Walletready
ZainCashdraft
Draft preview only

Batch collection operation

Merchant finance can import the payer list, lock references, assign a due date, and generate the assets needed to collect from parents without custom code.

validated
Payer references3
Target amount375,000 IQD
Collected125,000 IQD
Outstanding250,000 IQD
StepOwnerInputOutputEvidenceStatus
Import payer listMerchant financebatch_school_fee_students_2026.csv3 payer referencesbatch_school_2026_import_001validated
Lock student referencesCollection policyStudent ID + guardian contactNo duplicate referencesref_lock_school_2026_001passed
Apply due dateMerchant owner2026-06-20 18:00 BaghdadReminder window scheduleddue_school_2026_06_20scheduled
Generate share assetsCheckout/pay/school-feeQR poster, invoice PDF, WhatsApp copyassets_school_fee_2026_001ready

Payer ledger preview

The merchant sees paid, opened, and due-soon references before the customer appears in a payment object.

merchant visible
ReferencePayerAmountDue dateStatusNext actionEvidence
SCH-2026-00041Alia School Parent125,000 IQD2026-06-20No reminderEP-RCPT-2026-00041
SCH-2026-00042Omar Parent125,000 IQD2026-06-20checkout sentSMS reminder at 17:00wa_open_school_2026_00042
SCH-2026-00043Mina Parent125,000 IQD2026-06-20due soonSend WhatsApp linkqr_scan_waiting_school_2026_00043

Reminder and share assets

QR, invoice PDF, WhatsApp, and SMS evidence stay tied to the same collection page and payer references.

ready
ChannelArtifactTargetAudienceEvidenceStatus
WhatsApp-SCH-2026-00042-wa_remind_school_2026_00042scheduled
SMS-SCH-2026-00043-sms_remind_school_2026_00043ready to send
Invoice PDF-Finance office batch-invoice_pdf_school_2026_001delivered
-QR poster-Cashier desk and parent noticeboardqr_school_fee_counter_001ready to print
-WhatsApp message template-Parents listtmpl_school_fee_whatsapp_iqdready to send
-SMS reminder batch-Unpaid referencessms_batch_school_due_001scheduled
-Collection reconciliation export-Merchant financeexport_school_collection_2026_001ready

Payer intake rules

Merchant decides which customer fields are required before the hosted checkout session can be completed.

merchant configured
FieldCustomer labelRequiredEvidence
Payer nameParent or guardian nameRequiredStored on receipt and support case
Student referenceSchool account / student IDRequiredSCH-2026-00041
ContactEmail or mobileRequiredReceipt delivery and claim verification
Merchant noteClass or invoice noteOptionalVisible to merchant support only

Share runbook

The published page is ready for WhatsApp, QR, SMS reminders, and invoice-office sharing without custom integration work.

ready
ChannelAudienceActionEvidenceStatus
WhatsAppParents listSend checkout linkwa_share_school_2026_001ready
QR posterSchool cashier deskPrint and scanqr_school_fee_counter_001ready
SMS reminderUnpaid referencesRemind before due datesms_due_2026_06_20scheduled
Invoice linkFinance officeAttach to invoice PDFinv_school_2026_batch_001ready

Readiness controls

These checks explain why a merchant can publish a real money collection page.

ControlEvidenceOwnerStatus
Merchant live statuskyb_demo_market_approvedOnboardingapproved
Amount and IQD limit125,000 IQDRisk policypassed
Payment methodsCard Payment, Epara Wallet, ZainCashCheckoutready
Locked referenceSCH-2026-00041Merchant ownerconfigured
Publish tracetrace_publish_school_link_2026Audit trailpending

Generated objects

After publish and customer payment, the same IDs appear in merchant, customer, and operator windows.

EventObjectActorStatus
Draft createdplink_draft_school_2026act_member_demo_ownercompleted
Readiness checkedready_school_link_2026policy_enginepassed
Public URL publishedplink_school_2026act_member_demo_ownerpending
Customer checkout sessioncs_school_2026_001guest_payerdraft
Payment objectpay_scenario_001checkoutpending

After-payment automation

Capture triggers the receipt, merchant notification, signed webhook, ledger, fee, reserve, and settlement trail.

armed
RuleOwnerEvidenceStatus
Issue immutable receiptCheckout/receipt/rcpt_scenario_001active
Notify merchant ownerNotificationsemail_owner_payment_capturedactive
Deliver signed webhookDeveloper experienceevt_payment_captured_001active
Post fee, reserve, and net balanceLedgerset_2026_06_15_iqdactive

Scenario handoff

Once published, the customer can pay without signup. After capture, merchant payment detail, statement, support, webhook, reconciliation, and approval screens all show the same school-fee transaction.

Open link detailCustomer checkoutOTP challengeExpired checkoutPayment objectBackoffice review
Developers