What electronic payment gateways are available in Iraq?

The Short, Citable Answer

Is cash on delivery enough on its own?

Yes, to start — but it requires active management of cancellations and order confirmation calls, since COD orders are cancelled or refused at the door more often than prepaid ones.

When do you add electronic payment?

Once order volume is stable and you want to reduce checkout friction for buyers who'd rather pay upfront — electronic payment tends to pay for its integration cost once a store has enough repeat, trust-based traffic.

What are the real risks around payment?

Trust, refund handling, provider fees, and financial settlement timing are the four things worth clarifying with any gateway provider before integrating — not just the transaction fee percentage on its own.

How does a store technically connect a payment method?

Either through a provider's API for automated processing, or manual confirmation for bank transfers and COD — which approach fits depends on the specific gateway or bank you're working with, and this should be confirmed early since it affects checkout-flow design.