Mode

POS Payment Scenario

Card-present payment flow for a merchant counter: customer taps, terminal authorizes, Epara captures, ledger posts, and operations reconciles the batch.

Terminal readinessQR / code paymentsCustomer receiptBackoffice review
POS method actions

Can the counter customer tap without signup?

Terminal operations prove reader readiness, contactless acceptance, receipt creation, batch close, and payout contribution.

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
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
Epara method operationsWhich rail captures IQD card payments?Local Card Switch route is approved for guest card and issuer OTP pathspm_action_operator_local_cardpm_local_card_switchroute_live_cards_iqdNo customer account requiredEpara controls acquirer routing; merchant sees the captured payment result
ready
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
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
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
Counter terminal

Counter Reader 01

42,000 IQD
captured
Baghdad main counteronline
Customer window

Tap card or NFC wallet, no signup required

The customer does not create an Epara account at the counter. The reader accepts a contactless card or phone wallet token, then Epara issues a receipt that support and backoffice can verify later.

Reader is online and readytmready_card_present_2026_001 passed before any money movement.
Customer taps contactless methodNFC wallet token, Network token ending 4242.
Provider authorizes and capture postsAUTH-POS-7421 creates pay_pos_scenario_001.
Receipt, ledger, and batch evidence are createdEP-RCPT-2026-00042 and batch_counter_2026_06_15.
Open POS receiptCompare online paymentSupport view
Contactless acceptance

What happens when the customer taps?

Cashier sees the exact amount, reader status, contactless wallet tap, authorization, receipt, and batch proof for the same POS payment.

pos_contactless_acceptance_2026_001
captured
Paymentpay_pos_scenario_001
Readertmr_demo_counter_01online
AuthorizationAUTH-POS-7421
Batchbatch_counter_2026_06_15
Counter customerTap contactless card or phone wallet at the counterCan I pay without creating an Epara account?nfc_wallet_tap_counter_001Charged only after terminal authorization succeedsguest readyMerchant cashierConfirm 42,000 IQD and issue POS receiptDid the reader capture the right amount?AUTH-POS-7421Gross capture 42,000 IQDcapturedCustomer receiptOpen immutable POS receipt without account signupCan the payer prove the counter payment later?EP-RCPT-2026-00042Receipt proves captured card-present paymentreceipt issuedEpara terminal opsCheck reader heartbeat, readiness check, and batch closeWas the device allowed to accept live money?tmready_card_present_2026_001Readiness gates acceptance but does not post ledgerops verifiedMerchant financeMatch POS settlement line and payout contributionDid POS money enter statement and payout?batch_counter_2026_06_1539,060 IQDpayout created

Contactless acceptance controls

Control IDActorBusiness questionActionEvidenceMoney impactStatus
contactless_customer_tapCounter customerCan I pay without creating an Epara account?Tap contactless card or phone wallet at the counternfc_wallet_tap_counter_001Charged only after terminal authorization succeedsguest_ready
contactless_cashier_captureMerchant cashierDid the reader capture the right amount?Confirm 42,000 IQD and issue POS receiptAUTH-POS-7421Gross capture 42,000 IQDcaptured
contactless_customer_receiptCustomer receiptCan the payer prove the counter payment later?Open immutable POS receipt without account signupEP-RCPT-2026-00042Receipt proves captured card-present paymentreceipt issued
contactless_terminal_opsEpara terminal opsWas the device allowed to accept live money?Check reader heartbeat, readiness check, and batch closetmready_card_present_2026_001Readiness gates acceptance but does not post ledgerops_verified
contactless_finance_batchMerchant financeDid POS money enter statement and payout?Match POS settlement line and payout contributionbatch_counter_2026_06_1539,060 IQDpayout created
POS / card-present control

Terminal operations runbook

Terminal payments need device provisioning, cashier boundaries, contactless acceptance rules, batch close evidence, and refund controls before they feel like a serious payment product.

captured
Readertmr_demo_counter_01
AuthorizationAUTH-POS-7421
Batchbatch_counter_2026_06_15
POS refundpos_refreq_counter_2026_001

Provisioning and readiness

StepOwnerEvidenceRuleStatus
Create POS locationMerchant ownertmloc_demo_baghdad_counter_001Location can be created without posting ledger movementconfigured
Register readerTerminal operationstmr_demo_counter_01Reader belongs to one merchant location and environmentregistered
Mark reader onlineCashier deviceonlineHeartbeat proves the counter can accept card-present paymentonline
Run readiness checkOperationstmready_card_present_2026_001Readiness gates live acceptance but does not move moneypassed

Contactless acceptance

MethodCustomer modeCapabilityEvidenceStatus
Contactless cardGuest payercard_presentroute_live_terminal_iqdready
NFC phone wallet tokenGuest payernetwork_token_contactlessNFC wallet tokencontactless ready
Receipt lookupNo Epara signupreceipt_by_payment_idEP-RCPT-2026-00042ready

Cashier flow

Cashier stepCashier viewCustomer viewOperator evidenceStatus
Enter amount42,000 IQDTap card or phone wallettmr_demo_counter_01cashier ready
Customer tapscontactlessNetwork token **** 4242AUTH-POS-7421authorized
Offer receiptEP-RCPT-2026-00042/receipt/rcpt_pos_scenario_001mov_pos_capture_001receipt issued
If correction neededpos_refreq_counter_2026_001Refund waits for approval when policy requires itperm_pos_refund_counter_2026approval ready

Batch close and payout

Batch stepOwnerEvidenceMoney impactStatus
Batch openedTerminal operationsbatch_counter_2026_06_15No ledger movement by itselfopen
Payment includedProvider operationspay_pos_scenario_00142,000 IQDcaptured
Statement line matchedReconciliationset_pos_2026_06_15_iqd41,160 IQDmatched
Payout contributionFinancepo_school_2026_00139,060 IQDpayout created

POS refund controls

A cashier can request a card-present correction, but money reversal still follows permission and provider evidence. Original capture: 42,000 IQD.

ControlOwnerEvidenceAmountStatus
Refundable POS amountSupport / cashierpay_pos_scenario_00142,000 IQDrefund eligible
Partial refund requestCashier makerpos_refreq_counter_2026_00112,000 IQDapproval ready
Permission checkPrivileged checkerperm_pos_refund_counter_2026-awaiting checker
Same card-present routeLocal Card Switch Terminalroute_live_terminal_iqd12,000 IQDqueued

Money facts

Card-present payments still need clear gross, fee, reserve, net, and payout contribution.

ItemAmountStatus
Gross card-present capture42,000 IQDcaptured
Platform fee840 IQDmatched
Risk reserve hold2,100 IQDmatched
Available contribution39,060 IQDpayout created

Operations controls

Terminal readiness does not post ledger movement; capture and settlement do.

ControlEvidenceOwnerStatus
Reader heartbeattmr_demo_counter_01Terminal operationsonline
Card-present readinesstmready_card_present_2026_001Operationspassed
Provider authorizationAUTH-POS-7421Local Card Switch Terminalauthorized
Ledger movementmov_pos_capture_001Ledger controlmatched
Terminal batch settlementbatch_counter_2026_06_15Reconciliationmatched
Developers