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  1. USER GUIDE

Payment Gateway

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Last updated 5 months ago

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.

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 . If a customer pays using a different currency than the MID (e.g., MID is KWD but payment is in USD via Ottu's ), won't work. They only function when the payment currency matches the MID currency.

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.

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.

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.

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.

Payment Gateway

Country

Currency

Applicable Modules

RedirectPG or Wallet

Purchase or Authorize

Auto Inquiry Minutes

Refund Void Capture

AED

All

Redirect

Purchase

6

USD

All

Redirect

Purchase

N/A

BHD

All

Redirect

Purchase

8

Refund

BHD

All

Wallet

Purchase

8

BHD

All

Redirect

Purchase

8

Refund

KWD

All

Wallet

Purchase

8

KWD

All

Redirect

Purchase

8

AED

All

Redirect

Purchase

N/A

Country ٍٍ Specific

All

Redirect

Purchase

N/A

Refund

Country Specific

All

Redirect

Purchase

8

Refund

KWD

All

Redirect

Purchase

10

IQD

All

Redirect

Purchase

31

KWD

All

Redirect

Purchase

8

Refund

Country Specific

All

Redirect

Purchase

N/A

Country Specific

All

Redirect

Purchase & Authorize

11

Country Specific

All

Redirect

Purchase

8

Refund

OMR

All

Redirect

Purchase

10

AED

All

Redirect

Purchase

8

Refund

OMR

All

Redirect

Purchase

8

USD

PR|Ecomm|Shopify| Custom payments

Redirect

Purchase

N/A

INR

Ecomm|PR

Redirect

Purchase

15

Refund

QAR

All

Redirect

Purchase

20

Refund

SAR

All

Redirect

Purchase & Authorize

8

OMR

All

Redirect

Purchase

16

SAR

All

Wallet

Purchase

8

Refund

Country Specific

All

Redirect

Purchase

30

Refund

EGP

All

Redirect

Purchase

N/A

Country Specific

All

Redirect

Purchase

8

Refund

To understand what the auto-inquiry feature is and why it's crucial for ensuring transaction reliability, please check . It offers a detailed explanation of how this feature safeguards your transactions from unforeseen disruptions.

Amazon Pay

Global

Bambora

Canada

Benefit

Bahrain

Benefit Pay

Bahrain

Beyon Money

Bahrain

Bookey

Kuwait

CBK

Kuwait

CCAvenue

Global

Cybersource

GCC

FSS

GCC

Hesabe

Kuwait

HyperPay

Iraq

KNET

Kuwait

MiGS

GCC

MPGS

GCC

MyFatoorah

GCC

NBO

Oman

nGenius

UAE

OmanNet

Oman

PayPal

Global

PayU India

India

QPay

Qatar

AlRajhi

KSA

SmartPay

Oman

STC Pay

KSA

Tabby

GCC

UPG

Egypt

Tamara

GCC

Void
Payment Gateway Features Summary
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currencies
Operations Clauses
Capture
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Automatic Inquiry
currency exchange
operations