Payment integration
Mastercard Payment Integration
Accept Mastercard payments on Iraqi web and mobile checkout — acquirer onboarding, 3-D Secure, and multi-rail carts with local IQD gateways from Mesopo.
Mastercard coverage matters for travelers, diaspora, and premium cards — while most everyday Iraqi ecommerce still converts on FIB, FastPay, Zain Cash, and Qi. Mesopo implements Mastercard through your acquirer with a hosted payment page, 3-D Secure challenges, and webhook-confirmed orders, then keeps local IQD options in the same cart so you do not lose domestic shoppers.
What you get
- Mastercard via acquiring bank or processor
- PCI-safe hosted payment page
- 3-D Secure / challenge flows
- Same-cart Iraqi wallet alternatives
- Bilingual decline and success messaging
- Reconciliation exports for finance
How we integrate
- 1
Complete Mastercard merchant onboarding with your acquirer and confirm MCC eligibility.
- 2
Receive sandbox keys; map create-session, redirect, and notification endpoints.
- 3
Mesopo builds hosted checkout, hash/signature checks, and idempotent webhooks.
- 4
Certify against acquirer test cases including soft declines and 3DS abandonment.
- 5
Launch production; monitor first settlements and keep IQD gateways enabled.
Platforms we support
Works with custom Node/Laravel/Next backends, WooCommerce, selected Shopify acquirer apps, and Odoo. Pair Mastercard with Visa when your acquirer supports both brands on one MID, and always offer at least one Iraqi wallet for local conversion.
Settlement & payouts
Settlement currency and hold periods follow the acquirer. Interchange and scheme fees differ from Iraqi wallet MDR — we document both in your finance handoff. Chargeback playbooks cover representment windows.
Common questions
Is Mastercard the same integration as Visa?
Often yes on the same acquirer MID, but schemes and test cases differ. We certify each brand path your contract enables.
Will Mastercard replace FIB for Iraqi buyers?
No. Local wallets remain the conversion default for many IQD shoppers. Mastercard complements them for card-preferring segments.
How long does Mastercard go-live take?
Technical work is typically 1–3 weeks after sandbox access. Acquirer KYC can add additional weeks.