Merchant application

Start accepting IQD payments

A merchant owner applies first. Epara reviews KYB, payout destination, pricing, payment methods, and live-mode approval before real money can settle.

First use caseSchool Fee Collection
Expected volume85,000,000 IQD
Settlementdaily

Business details

Demo form values show what the owner submits before dashboard access is granted.

submitted
Pricing previewIraq launch merchant pricingCard 2% · Reserve 5% for 7 days
Payout previewRafidain Bank **** 8821Cut-off 17:00 Asia/Baghdad; minimum 1,000 IQD
Merchant launch journey

Live payments enabled

The owner can submit the application first; no customer payment is possible until Epara approves KYB and live mode.

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

What must happen before this owner can take money?

The merchant can apply first, but customer money stays blocked until KYB, pricing, payout, payment methods, and live approval are complete.

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 movesubmittedEpara onboardingIs this merchant allowed to go live?Approve KYB, owner authority, category, and risk postureactv_kyb_riskkyb_demo_market_approvedStill blocked until live approvalkyb approvedPrivileged 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
Submit applicationBack to login