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Electronic Payments

Electronic Payments

Ideal Payments has acquired licenses for digital wallet platforms from global electronic payment solution providers. The solutions selected by us have been implemented in Europe and Africa and approved by Central Banks in different countries, and could be driven through onsite installations or cloud technology. The platforms are already customised for the Iraqi market, with interfaces in Arabic using Iraqi Dinars. The key features of our solutions are:

  • Easy to integrate with any payment and banking system
  • Reliable and secure, bank-grade data and transaction security
  • Simple interface with powerful functionality
  • Flexible at the back-end, parameters are easily customisable
  • Quickly scalable with fully automated business process
  • Build in interoperability and prepare integration with CBI National Switch

Our solutions are ready to be implemented in the Iraqi market as soon as possible. We provide clients with the technology and infrastructure and service them at every step of implementing and operating these solutions.

Third Party Processing

Third Party Processing

Ideal Payments offers a full service package including the payment product conception and development, acquiring of relevant licenses and approvals, product design and marketing, and product creation and processing. Ideal could support its clients to quickly launch all kinds of plastic cards (prepaid, debit, credit), digital wallets, and also other kinds of non-monitory payments schemes including petrol cards and food ration cards.

After years in the business, we have carefully selected our technology providers to offer the best available solutions in the market. For all issuing products our richly featured processing platform guarantees 99.99 percent uptime assuring our clients' programs and products to benefit from a consistent and positive customer experience. No other processor in the region could guarantee the level of service, lead-time and totality of products. Our platform is scalable, dynamic and reliable. It allows our client banks and financial institutions to manage changing and competitive landscapes with ease.

    Issuing Financial Institutions:
  • Credit cards
  • Debit cards
  • Prepaid cards
  • Virtual cards
  • Digital wallets
  • Non-monitory cards
    Acquiring Financial Institutions:
  • ATM
  • POS
  • mPOS
  • Online eCommerce Acquiring

Our solutions support integration with the major international payments schemes including, but not limited to, VISA, MasterCard, AMEX, JCB, CUP, Diners, Western Union, MoneyGram.



Ideal Payments has a team of experienced professionals with long experience in the payments industry. We also cooperate with professionals throughout the Middle East and Europe to bring the best knowhow and the latest innovations to satisfy clients' specific requirements. Through our expert sources and partnerships, we aim at functioning as a partner that covers all of its clients' consultation, outsourcing and system building needs.

Furthermore, we represent our clients with major payment schemes such as VISA and MasterCard to help them comply with the latters' requirements and best practices. Our services are tailored to our clients' needs and requests, but below is a non-exhaustive selection of advisory services we offer to our clients:

  • Card and payment business planning consulting
  • International schemes Issuing and Acquiring license consulting
  • Central Bank license approval consulting
  • Mobile payments implementation
  • Card design and production
  • Risk mitigation and fraud management support


Ideal Payments offers holistic or niched training programs for financial institutions payments divisions. Our training programs are tailored to each client and are designed to support our clients' payments businesses at every step of their progress and every level of their organisation. They are designed to pass on our expertise and knowhow to organisations that are looking to scale their business rapidly and reliably.

    A selection of our training programs:
  • Agent training and certification
  • Customer service training
  • Compliance training
  • Building a financial institutions card department
  • VISA and MasterCard operations training