Payment integration
Visa Payment Integration
Accept Visa card payments on Iraqi ecommerce and apps — acquirer setup, PCI-safe checkout, and go-live support by Mesopo alongside local IQD gateways.
Visa is the brand many cross-border and premium shoppers expect — but Iraqi stores usually need local IQD wallets too. Mesopo wires Visa through your acquiring bank or international processor using a hosted payment page so card data never touches your servers, then pairs it with FIB, FastPay, Zain Cash, or Qi for domestic buyers. We handle sandbox certification, 3-D Secure flows, webhook confirmation, and reconciliation exports your finance team can use.
What you get
- Visa via your acquirer or international processor
- Hosted checkout (PCI-safe — no card data on your servers)
- 3-D Secure / OTP challenge support
- Multi-gateway cart with Iraqi IQD rails
- Arabic and English payment UX
- Settlement and chargeback logging
How we integrate
- 1
Confirm Visa merchant eligibility with your acquiring bank or processor and gather KYC documents.
- 2
Obtain sandbox credentials and map payment session, redirect, and callback endpoints.
- 3
Mesopo implements hosted checkout, signature verification, and order-status webhooks.
- 4
Run certification scenarios: success, decline, 3DS failure, timeout, and duplicate callbacks.
- 5
Go live, verify settlement reports, and keep FIB/FastPay/Qi available for local IQD checkout.
Platforms we support
We integrate Visa-capable checkout with Laravel, Node.js, Next.js, WooCommerce, Shopify (where the acquirer plugin allows), and Odoo ecommerce. Mobile apps open a secure hosted session — secrets stay server-side. International Visa volume often sits beside Stripe or PayPal; domestic IQD volume stays on Iraqi gateways.
Settlement & payouts
Visa settlement currency and cycle follow your acquirer agreement (often USD or IQD T+1/T+2). Chargebacks and representation windows are documented in your ops runbook. Mesopo aligns gateway transaction IDs with your order database for daily reconciliation.
Common questions
Can Iraqi shoppers pay with Visa on our store?
Yes when your acquirer enables Visa for your merchant category. Many local buyers still prefer FIB or FastPay — we recommend offering both.
Do you store Visa card numbers?
No. We use hosted payment pages or tokenizer flows so PAN data never lands on Mesopo or your application servers.
Should we use Visa alone without Iraqi gateways?
Usually not for Iraq-first retail. Visa helps diaspora and international cards; local wallets convert better for IQD shoppers.