Payment integration
Zain Cash Payment Integration
Add Zain Cash mobile wallet payments to your Iraqi store or app — OTP-verified checkout with Mesopo handling API integration and testing.
Zain Cash is the mobile wallet millions of Iraqis use daily. We integrate Zain Cash so customers pay from their phone balance or linked account — with OTP verification, secure redirect flows, and instant order confirmation via webhooks. Ideal for ecommerce, utility billing, and on-demand apps.
What you get
- Zain Cash merchant ID and API credential setup
- OTP-verified mobile wallet checkout
- Deep-link and in-app payment support
- Webhook-based order confirmation
- Refund and reversal handling where supported
- Low-friction UX for smartphone shoppers
How we integrate
- 1
Apply for Zain Cash merchant services and complete KYC with Zain business team.
- 2
Configure sandbox environment and whitelist your server IP and callback URLs.
- 3
Mesopo builds the payment request flow: amount, order reference, customer MSISDN, and OTP challenge handling.
- 4
Validate successful payment, OTP timeout, insufficient balance, and cancelled flows in sandbox.
- 5
Go live with production credentials and monitor first transactions with Zain Cash settlement reports.
Platforms we support
Zain Cash integrates natively with mobile-first stores. We implement it on Laravel/Node backends, WooCommerce, custom Next.js storefronts, and Flutter/React Native apps via secure WebView or app-to-app redirect. For desktop shoppers, QR or SMS OTP flows bridge the gap.
Settlement & payouts
Zain Cash merchant settlements follow Zain's schedule — typically T+1 to T+2 for IQD amounts into your designated settlement account. Transaction fees vary by volume tier. Mesopo exports daily settlement CSVs aligned with your order database for accounting.
Common questions
Do customers need the Zain Cash app installed?
For the smoothest experience, yes — app-to-app redirect works best. We also support OTP flows for customers paying via USSD or web without the app, depending on your merchant configuration.
Is Zain Cash only for Zain subscribers?
Zain Cash wallets are tied to Iraqi mobile numbers. Most Iraqi carriers can register, but check current Zain Cash policy for non-Zain numbers in your target market.
Can Zain Cash handle recurring or subscription payments?
Recurring billing depends on merchant agreement. We can implement saved-payment patterns where Zain supports tokenization, or manual renewal reminders as a fallback.