Electronic Payments PartnerSince 2023

The digital payments Iraq trusts

Through a strategic partnership with QI Card — Iraq's largest card issuer and operator of the country's deepest acceptance network — we open the widest electronic payment gateway available to merchants in Iraq. The result: shoppers get a safe, frictionless checkout, and merchants get guaranteed settlements that flow fast and are fully reconciled inside the GINI dashboard.

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+10M

Cardholders

+20

Years of experience

Governorates covered

About the partner

The infrastructure Iraq relies on for payments

QI Card operates Iraq's largest card-payment network, serving millions of cardholders across public and private sector employees, retirees, and social-protection beneficiaries. The company runs a full-stack payments infrastructure spanning issuing, acquiring, POS acceptance, digital wallets, and real-time settlement and reporting.

Key strengths

Iraq's largest cardholder base including government salary and pension holders
Acceptance network covering every Iraqi governorate via thousands of POS terminals
PCI DSS compliant online payment gateway meeting international standards
Specialized technical support teams operating 24/7 to guarantee service continuity

The partnership story

When Iraq's payment backbone meets its largest commerce platform

The question we started from was simple: what if every QI Card holder — millions of them across Iraq — could buy from any merchant on GINI with a single tap, without manual card entry or external transfers? The partnership was born from that question. Today, every merchant that joins GINI instantly gets an active payment gateway wired into QI Card's full acceptance network, and every shopper can pay securely with their card without ever leaving the store page.

Why this partnership

Three pillars that make a real difference for merchants

What makes this partnership more than a cooperation agreement?

01 / 03

Secure, verified payments

Every transaction passes through a PCI DSS-compliant gateway with dynamic verification codes — no card data stored at the merchant, no fraud risk passed to them.

02 / 03

Fast, transparent settlement

Balances settle to merchant accounts on clear schedules with live reporting, auto-reconciled against orders inside the GINI dashboard.

03 / 03

Access to millions of shoppers

Every QI Card holder is a potential customer for your store — from monthly salaries to pensions — with ready-to-spend purchasing power.

How we integrate

Deep integration that makes payments a natural part of the experience

We don't just add a payment button — we build a full payments layer that works seamlessly with the store, orders, and reporting.

Direct card checkout

Shoppers pay with their card right inside the store page in a few steps, without clunky redirects.

Installments for salaried & retirees

Thoughtful installment options for salary and pension card holders, unlocking bigger basket sizes.

Live settlement & reporting

Every transaction surfaces instantly in the dashboard, with exportable daily settlement reports.

Extended acceptance network

Unified acceptance across online and physical POS, enabling a truly omnichannel merchant experience.

The partnership works for you

Ready to activate digital payments in your store?

Join GINI and get a payment gateway wired into the QI Card network from day one.