# Payment Gateway Payment gateways are crucial technologies that merchants use to accept debit and credit card transactions smoothly, whether through physical card readers in retail stores or via online payment processing portals on e-commerce platforms. Elevate your business with our state-of-the-art Online Payment Management System (OPMS). This system offers hassle-free transactions and seamless integration, allowing you to expand your customer base and boost sales. Stay ahead of your competitors by leveraging Ottu's exceptional capability in finely tuning and connecting the payment gateway. Ignite your business's success with our meticulously optimized OPMS, designed to meet the dynamic needs of today's thriving businesses. Discover a new era of convenience, efficiency, and growth with Ottu as your partner. ## [Operations Clauses](#operations-clauses) With *Ottu*, merchants gain the power to seamlessly carry out essential operations, including capture, refund, and void, across various payment gateways. It's important to note that specific conditions must be met to execute these operations successfully. Furthermore, it's worth mentioning that not all payment gateways support every operation. Choosing *Ottu* means an exceptional online payment management experience that keeps your business secure, streamlined, and successful. Operations don't support foreign [currencies](https://docs.ottu.com/user-guide/currencies). If a customer pays using a different currency than the MID (e.g., MID is KWD but payment is in USD via Ottu's [currency exchange](https://docs.ottu.com/currencies#currency-exchanges)), [operations](https://docs.ottu.com/developer/operations#external-operations) won't work. They only function when the payment currency matches the MID currency. ### [Capture](#capture) Collecting a full or partial authorized amount and crediting it to the merchant's bank account. It’s applicable under following conditions: 1. The payment transaction must be authorized. 2. The authorized amount must be sufficient. ### [Refund](#refund) Returning the full or partial amount paid (or captured) to the customer's bank account. It’s applicable under following conditions: There are different requirements for refunding payments based on the type of payment transaction (i.e., operation): * **For Auth transactions:** 1. A capture operation must be done before refunding. 2. The captured amount must be enough to cover the refund amount. * **For Purchase transactions:** The paid amount must be sufficient for the requested refund. ### [Void](#void) Canceling or rolling back an authorized payment transaction. It’s applicable under following conditions: 1. The payment transaction must be authorized. 2. No capture operation was performed. ## [Payment Gateway Features Summary](#payment-gateway-features-summary) Below is a summary of key features and specifications for various payment gateways. This table provides information on the origin country, default currency, applicable modules, whether it supports redirect or wallet functionality, purchase/authorize options, auto inquiry time in minutes, and the level of operation support offered. This comparison aims to assist in evaluating different payment gateways and selecting the one that best aligns with your business needs. Please note that the information provided is subject to change, and it is advisable to review the official documentation of each payment gateway for the most up-to-date details. To understand what the auto-inquiry feature is and why it's crucial for ensuring transaction reliability, please check [Automatic Inquiry](https://docs.ottu.com/developer/payment-status-inquiry#automatic-inquiry). It offers a detailed explanation of how this feature safeguards your transactions from unforeseen disruptions.


Payment Gateway	Country	Currency	Applicable Modules	RedirectPG or Wallet	Purchase or Authorize	Auto Inquiry Minutes	Refund Void Capture
Amazon Pay	Global 🌎	AED	All	Redirect	Purchase	6	❌
Bambora	Canada 🇨🇦	USD	All	Redirect	Purchase	N/A	❌
Benefit	Bahrain 🇧🇭	BHD	All	Redirect	Purchase	8	Refund
Benefit Pay	Bahrain 🇧🇭	BHD	All	Wallet	Purchase	8	❌
Beyon Money	Bahrain 🇧🇭	BHD	All	Redirect	Purchase	28	Refund
Bookey	Kuwait 🇰🇼	KWD	All	Wallet	Purchase	8	❌
CBK	Kuwait 🇰🇼	KWD	All	Redirect	Purchase	8	❌
CCAvenue	Global 🌎	AED	All	Redirect	Purchase	N/A	❌
Cybersource	GCC	Country ٍٍ Specific	All	Redirect	Purchase	N/A	Refund
FSS	GCC	Country Specific	All	Redirect	Purchase	8	Refund
Hesabe	Kuwait 🇰🇼	KWD	All	Redirect	Purchase	10	❌
HyperPay	Iraq 🇮🇶	IQD	All	Redirect	Purchase	31	❌
KNET	Kuwait 🇰🇼	KWD	All	Redirect	Purchase	8	Refund
MiGS	GCC	Country Specific	All	Redirect	Purchase	N/A	❌
MPGS	GCC	Country Specific	All	Redirect	Purchase & Authorize	11	✔️
MyFatoorah	GCC	Country Specific	All	Redirect	Purchase	8	Refund
NBO	Oman 🇴🇲	OMR	All	Redirect	Purchase	10	❌
nGenius	UAE 🇦🇪	AED	All	Redirect	Purchase	8	Refund
OmanNet	Oman 🇴🇲	OMR	All	Redirect	Purchase	8	❌
PayPal	Global 🌎	USD	PR\|Ecomm\|Shopify\| Custom payments	Redirect	Purchase	N/A	❌
PayU India	India 🇮🇳	INR	Ecomm\|PR	Redirect	Purchase	15	Refund
QPay	Qatar 🇶🇦	QAR	All	Redirect	Purchase	20	Refund
AlRajhi	KSA 🇸🇦	SAR	All	Redirect	Purchase & Authorize	8	✔️
SmartPay	Oman 🇴🇲	OMR	All	Redirect	Purchase	16	❌
STC Pay	KSA 🇸🇦	SAR	All	Wallet	Purchase	8	Refund
Tabby	GCC	Country Specific	All	Redirect	Purchase	30	Refund
UPG	Egypt 🇪🇬	EGP	All	Redirect	Purchase	N/A	❌
Tamara	GCC	Country Specific	All	Redirect	Purchase	8	Refund