Online payments (QR)
Shoppers can pay their orders by scanning a QR code with their bank app. FIB (First Iraqi Bank) is the first payment provider; others can be added later without changing how you work.
The company owner sets this up in Me › Online payments. Other users don't see that tab.
Where the money goes
Every online payment is paid into your FIB merchant account, the one your keys belong to.
Demo and Production
Each payment provider has two sets of keys. FIB gives you both when you open a merchant account.
| Demo | Production | |
|---|---|---|
| What it is | FIB's test server | Your real FIB account |
| Money | Test money only; the real FIB app can't pay a Demo QR code | Real money from your customers |
| Keys | Optional: your own FIB test keys. Without them, Demo uses Zhmara X's test keys while Zhmara X allows it | Required for real payments |
| Plans | All plans | Business plan only. Demo and Training plans can use Demo or Off |
Add your keys
- Open Me › Online payments.
- In the Production card (or Demo card), type the Client Id and Client Secret FIB gave you.
- Click Save & test. The keys are saved only if FIB accepts them. Otherwise you see "The provider refused these keys, or could not be reached. Nothing was saved."
The secret is stored encrypted and is never shown again. To change the keys, type both again and click Save & test. Remove keys deletes a key set; if the Mode was using it, the Mode goes back to Off.
Mode
The Mode decides which keys your company uses:
- Off: no QR payments; shoppers pay on delivery.
- Demo: test payments with your Demo keys (or Zhmara X's, while allowed). Every Demo payment is marked Demo.
- Production: real payments with your Production keys. You can pick it only after the Production keys passed the test.
The box under the Mode shows what is in use right now, or why payments aren't available.
Adding Production keys doesn't switch to real money by itself: choose Production and click Save. You can switch back to Demo to try something, without retyping any keys.
Where QR payment is offered
- Online shop: shoppers pay when they order. Turn it off to take pay-on-delivery orders only.
Received payments
Under the settings, Received payments lists every online payment from your customers: date, place, status, amount, the order it became, who paid, and the payment number. Demo marks test payments.
Tick Paid, not applied to see payments where the shopper paid but the order email wasn't sent. Contact the shopper with the payment number.
If online payments can't be taken right now, for example because the keys are missing or the Mode is Off, the page says why at the top.
Notifications
The company owner gets a notice in the bell (with a pop-up when signed in) when:
- Plan renewed: your plan payment to Zhmara X was received and the plan was extended, with the new end date. You also get a Payment received email.
- Online shop order paid: a shopper paid an order online; the order details are in your email.
- Payment received but not recorded (warning): a shopper paid, but the order email wasn't sent. Find it in Received payments. For a plan payment, contact support.
Demo payments say Demo: no real money in the notice. Payment notices stay in the bell for 30 days.
If a bank payment doesn't work
When the bank payment can't be made, for any reason (the provider is down, the payment is declined or runs out of time, or it is cancelled), nothing is sent. The shopper can try again or choose pay on delivery.
If the customer had already paid just before the cancel, the payment counts and is sent normally, so nobody pays twice.