Epara Platform

BusinessTeamCheckoutSecurityDocs

Business statusActiveVerified

Live paymentsEnabledIQD

Team members13 role assignments

Accepted agreements20 pending setting changes

Checkout settings

Payment method readiness

Merchant settings explain what is live, what is optional, and what downstream controls protect refunds, disputes, webhooks, and settlement.

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

Customer payment entries

Hosted checkoutready

Guest checkout pageCreate collection pagepm_hosted_checkoutready_school_link_2026

Payment Linksactive

Merchant-created tahsil pageShare by URL, QR, invoice, WhatsApppm_payment_linkplink_school_2026

Local card switchready

Card payment without Epara accountEnabled after live approvalpm_local_card_switchroute_live_cards_iqd

Epara Walletoptional active

Optional sign-in for saved method and wallet balanceAllowed as optional checkout methodpm_epara_walletwallet_optional_after_receipt_2026

QR / WhatsApp / invoiceready to send

Scan or open shared collection linkGenerate artifacts from payment linkpm_qr_whatsapp_invoicetmpl_school_fee_whatsapp_iqd

POS contactlesscontactless ready

Counter guest payer taps card or phone walletTerminal location and reader readinesspm_pos_contactlesstmready_card_present_2026_001

Downstream controls

Refund controlsapproval ready

Refund can be requested; approval moves moneySupport / maker-checkerpm_control_refundrefreq_school_2026_001

Dispute evidenceready

Receipt, checkout, auth, webhook, and support proof are readyRisk and supportpm_control_disputedisp_school_2026_001

Webhook deliverywebhook delivered

Merchant system can fulfill only after signed capture eventDeveloper operationspm_control_webhookevt_payment_captured_001

Settlement and payoutprovider pending

Captured money becomes statement and provider-pending payoutMerchant finance / treasurypm_control_settlementpo_school_2026_001

Customer payment entries

Method ID	Method	Customer experience	Merchant control	Evidence	Status
pm_hosted_checkout	Hosted checkout	Guest checkout page	Create collection page	ready_school_link_2026	ready
pm_payment_link	Payment Links	Merchant-created tahsil page	Share by URL, QR, invoice, WhatsApp	plink_school_2026	active
pm_local_card_switch	Local card switch	Card payment without Epara account	Enabled after live approval	route_live_cards_iqd	ready
pm_epara_wallet	Epara Wallet	Optional sign-in for saved method and wallet balance	Allowed as optional checkout method	wallet_optional_after_receipt_2026	optional active
pm_qr_whatsapp_invoice	QR / WhatsApp / invoice	Scan or open shared collection link	Generate artifacts from payment link	tmpl_school_fee_whatsapp_iqd	ready to send
pm_pos_contactless	POS contactless	Counter guest payer taps card or phone wallet	Terminal location and reader readiness	tmready_card_present_2026_001	contactless ready

Downstream controls

Control ID	Control	Owner	Customer promise	Evidence	Status
pm_control_refund	Refund controls	Support / maker-checker	Refund can be requested; approval moves money	refreq_school_2026_001	approval ready
pm_control_dispute	Dispute evidence	Risk and support	Receipt, checkout, auth, webhook, and support proof are ready	disp_school_2026_001	ready
pm_control_webhook	Webhook delivery	Developer operations	Merchant system can fulfill only after signed capture event	evt_payment_captured_001	webhook delivered
pm_control_settlement	Settlement and payout	Merchant finance / treasury	Captured money becomes statement and provider-pending payout	po_school_2026_001	provider pending

Settings method actions

What can the merchant configure safely?

Merchant settings can expose live method status and optional wallet behavior, while Epara-only rail and money controls stay internal.

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

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

Settings contract

What did this merchant accept?

Settings shows the commercial terms behind live payments: accepted pricing, reserve, settlement currency, payout destination, and enabled payment methods.

merchant_activation_demo_market_2026

live enabled

Applicationmapp_demo_market_2026

Pricingprice_demo_market_iq_2026

PayoutRafidain Bank **** 8821

First collectionplink_school_2026

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

E-Ticaretik Demo Market

Legal nameE-Ticaretik General Trading LLC

Default currencyIQD

Catalog visibilityPublished

Balance132,850,000 IQD

LocalesEnglish / Arabic RTL

Payment methodsCard, wallet, local

ReceiptsEnabled

Saved methodsProvider token only

OKAPI signatures

OKWebhook signatures

OKTest and live mode split

OKNo raw card storage

Payout settings

ScheduleDaily automatic

Reserve2,500,000 IQD

Debt0 IQD

Public checkout

BrandingEpara merchant

QR / codeEnabled

Payment linksEnabled

Developer access

API keysTest / live

WebhooksSigned

EventsInspectable

PlanIraq launch merchant pricing

Card fee2%

Terminal fee2%

Reserve hold5% / 7 days

Fees and reserve are visible before live mode; support and finance can explain every deduction on the statement.

Cut-off17:00 Asia/Baghdad

Next payout runJun 16, 2026, 9:00 AM

Minimum payout1,000 IQD

Reserve buffer8,350 IQD

Applicationmapp_demo_market_2026

Submitted bySara Demo, Owner

ProductsHosted Checkout, Payment Links, Terminal / POS

Open application

No records yetRecords will appear here after the first live or test activity.

Change controls

Settings writesRequest first

Approval actorSeparate privileged operator

Ledger impactNo direct Ledger movement

EvidenceSensitive action, audit, outbox

Member	Email	Permissions	Status
Demo Owner	owner@demo-market.test	merchant_member:manage, payment:read, payout:read, report:read	active

Subject	Agreement	Audience	Status	Accepted
Member Demo Owner	Merchant Services Agreement	Merchant	accepted	Jun 10, 9:10 AM
Member Demo Owner	Data Processing Addendum	Merchant	accepted	Jun 10, 9:12 AM

Invitee	Email	Role	Permissions	Status
Finance manager	finance@demo-market.test	Finance	payment:read, payout:read, report:read	ready to send
Counter cashier	cashier@demo-market.test	Cashier	payment:create, terminal:read, receipt:read	ready to send
Integration developer	dev@demo-market.test	Developer	api_keys:read, webhooks:manage, checkout:read	requires owner

Actor	Channels	Events	Locale	Status
Merchant owner	dashboard, email	payment.captured, payout.created, refund.approved	en	configured
Guest customer	email	receipt.issued, refund.receipt.issued	en	receipt_only
Epara operator	dashboard	risk.review_required, payout.failed, webhook.failed	en	configured

Payment method readiness

Customer payment entries

Downstream controls

Customer payment entries

Downstream controls

What can the merchant configure safely?

What did this merchant accept?

Business profile

Checkout defaults

Security

Payout settings

Public checkout

Developer access

Pricing contract

Settlement calendar

Owner readiness

Governed setting changes

Change controls

Team access

Agreements

Team invite plan

Notification preferences