How does Shopify/WooCommerce integrate with Middle East payment gateways?

III. WooCommerce Integration Solution

1. Plugin Marketplace Solutions:

   // WooCommerce commonly used plugin sample code snippet (Telr as an example)
   
   add_filter('woocommerce_payment_gateways', 'add_telr_gateway');
   
   function add_telr_gateway($gateways) {
   
       $gateways[] = 'WC_Gateway_Telr';
   
       return $gateways.
   
   }
   
   

   Recommended Plugin:Telr Official Plugin / PayFort WooCommerce Plugin

2. REST API manual docking:
   Using WooCommerce'sWC_Payment_GatewayClasses develop custom modules that call the Middle East Gateway API.

IV. Key considerations

• 📜 compliancy:
  • PCI DSS certification is a must; SAMA licence is required for Saudi Arabia and CBUAE approval is required for UAE.
• 💱 Currency and Language:
  • Shopify doesn't support Arabic RTL layout by default, it needs to be modified with a theme or applied by LangShop.
• 🚫 repudiation risk:
  - Enable Address Verification System (AVS), especially for high-risk Cash on Delivery (COD).
• ⏱️ settlement cycle:
  - Negotiate shorter settlement terms (e.g., daily for STC Pay vs. regular T+7).

V. Testing and optimisation recommendations
1️⃣ Sandbox tests all edge cases (e.g. failed Mada transactions).
2️⃣ A/B testing of checkout page location preferences - e.g. Kuwaiti users prefer KNET to credit cards.

Exclusive programmes for a specific country (e.g. Qatar) can be further explored if required!

VI. Payment optimisation strategies for selected countries in the Middle East

1. Saudi Arabia (KSA) focus programme

• mandate:

  • must support Mada(Saudi local debit card network, accounting for 60%+ of non-cash transactions).
  • VAT invoices need to include the tax code (15% tax rate), recommended plug-ins such as ZATCA Compliance Plugin.

• instalment:
  integrated (as in integrated circuit)TamaramaybeTabby("Buy now, pay later" giant with 4 interest-free periods). Shopify users can use the official app:Tabby Shopify.

• Mobile wallet penetration:
  increase STC Pay(viaMyFatoorahaggregation), the transaction success rate is 20% higher than credit cards.