# Qi Card store integration: merchant access and verified payment

> Qi Card integration starts with merchant terminal credentials from the acquirer. Your server creates a payment, the customer uses hosted checkout or a mobile SDK, and the backend verifies the notification and payment status before fulfilment. This planning guide does not claim a commercial accreditation or a named client integration.

Source: https://www.al-arjan.com/en/blog/qi-card-payment-integration · العربية: https://www.al-arjan.com/ar/blog/qi-card-payment-integration.md

Author: Al-Arjan — Published 2026-11-09 · Updated 2026-11-10

## Before development

The [official Qi Card prerequisites](https://developers-gate.qi.iq/docs/getting-started/integration-requirements) require merchant credentials and a backend that can receive notifications. Confirm the test environment, enabled features, fees and settlement with your acquirer; this guide assumes no universal fee.

Specify who owns the merchant account, approves refunds and reviews transactions. Developer access should not replace the company's ownership of its account.

## A return to the store is not a payment receipt

The [Qi Card introduction](https://developers-gate.qi.iq/docs/getting-started/payment-gateway-intro) separates checkout from server notification, while [payment-status documentation](https://developers-gate.qi.iq/docs/api-endpoints/get-payment-status) describes querying the transaction. Opening a return URL alone must not release goods.

Give orders clear states: awaiting payment, paid, failed or requiring review. Test a customer who pays and closes the page: staff should be able to check the transaction without asking for another payment merely because the success screen was not displayed.

## Integration acceptance checklist

Test the amount, currency and order reference, then duplicate notifications, connection loss and incomplete payments. Record the expected result, actual result and fulfilment decision for each test. These are proposed acceptance criteria, not a test certificate for this website.

Compare options in [Iraqi payment gateways](https://www.al-arjan.com/en/blog/iraq-payment-gateways) and define the build budget through the [online store scope](https://www.al-arjan.com/en/solutions/ecommerce-store). Sources were reviewed on 9 November 2026; your provider's account-specific documents govern activation.

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