# Online payments in Iraq: options for apps and online stores

> In Iraq, apps and stores usually integrate e-wallets and local gateways such as ZainCash, FastPay and Qi Card, alongside cash on delivery, which remains a major option. Activation requires a merchant account in your company’s name and documents each provider requests, then technical integration and testing before launch.

Source: https://www.al-arjan.com/en/blog/iraq-payment-gateways · العربية: https://www.al-arjan.com/ar/blog/iraq-payment-gateways.md

Author: [AUTHOR_NAME] — 2026-09-26

## The available options

Terms, fees and integration methods change; confirm them directly with each provider before final planning.

- Mobile e-wallets (such as ZainCash and FastPay).
- Local cards (such as Qi Card) via payment gateways.
- Cash on delivery — still essential for many customers.
- Advance transfer for large or wholesale orders.

## Activation steps

- Open a merchant account in the company’s name and submit documents
- Obtain API keys and a sandbox
- Implement payment and confirm transactions on the server, not only the phone
- Test success, failure, cancellation and refunds
- Go live and monitor transactions

## An important security tip

Never rely on a “paid” message coming from the customer’s app. Your server must verify the transaction directly with the provider before fulfilling the order — this blocks most fraud attempts.

## Frequently asked questions

### Can I enable several payment methods?

Yes, and it’s best — customers pick what suits them.

### How long does gateway integration take?

The technical part is usually a few days; merchant onboarding depends on the provider and your documents.

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