{"id":2677,"date":"2025-05-14T15:01:42","date_gmt":"2025-05-14T07:01:42","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2677"},"modified":"2025-05-14T15:01:42","modified_gmt":"2025-05-14T07:01:42","slug":"%e4%b8%ad%e4%b8%9c%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3api%e6%8e%a5%e5%85%a5%e6%8c%87%e5%8d%97","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/14\/%e4%b8%ad%e4%b8%9c%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3api%e6%8e%a5%e5%85%a5%e6%8c%87%e5%8d%97\/","title":{"rendered":"Middle East Payment Gateway API Access Guide"},"content":{"rendered":"<h1>Middle East Payment Gateway API Access Guide<\/h1>\n<h2>1. Overview of the Middle East payments market<\/h2>\n<p>The payments ecology in the Middle East (including the Gulf Cooperation Council GCC countries) is characterised by the following:<\/p>\n<ul>\n<li>Credit card penetration is high, but cash is still important<\/li>\n<li>Popularity of local payment methods such as Mada Card (Saudi Arabia), Fawry (Egypt) and Benefit Pay (Bahrain)<\/li>\n<li>Stringent compliance requirements for Islamic finance<\/li>\n<li>VAT rates are generally 5%-15%<\/li>\n<\/ul>\n<h2>2. Mainstream payment gateway providers<\/h2>\n<h3>a. PayTabs (headquarters: Saudi Arabia)<\/h3>\n<p><strong>specificities<\/strong>::<\/p>\n<ul>\n<li>GCC Region's Leading Omni-Channel Solution<\/li>\n<li>Support Mada, Apple Pay, Visa\/Mastercard, etc.<\/li>\n<li>Well-documented API and sandboxed environment<\/li>\n<\/ul>\n<h3>b. Telr (Headquarters: UAE)<\/h3>\n<p><strong>specificities<\/strong>::<\/p>\n<ul>\n<li>Shopify's Official Recommended Payment Options for the Middle East<\/li>\n<li>One-page checkout solutions<\/li>\n<\/ul>\n<h2>3. PayTabs API Access Detailed Guide<\/h2>\n<h3>a. Registration and certification process<\/h3>\n<ol>\n<li>\n<p><strong>Merchant Registration<\/strong>::<\/p>\n<ul>\n<li>Visit the PayTabs website to submit business registration documents (English or Arabic required)<\/li>\n<li>A copy of the CR (Commercial Registration) is required for GCC countries.<\/li>\n<li>VAT tax code registration (if applicable)<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Account verification<\/strong>::<\/p>\n<ul>\n<li>Corporate bank account verification (local Middle East accounts are easier to pass)<\/li>\n<li>AML\/KYC compliance review (usually takes 3-5 working days)<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3>b. API base configuration<\/h3>\n<pre><code class=\"language-python\"># Python Sample Code - PayTabs Initialisation<br>\r\nimport requests<br>\r\n<br>\r\nPAYTABS_MERCHANT_EMAIL = \"your@merchant.com\"<br>\r\nPAYTABS_SECRET_KEY = \"sk_live_xxxxxxxxxxxxxxxx\"<br>\r\nPAYTABS_BASE_URL = \"https:\/\/secure.paytabs.com\/\"<br>\r\n<br>\r\nheaders = {<br>\r\n    \"Authorization\": PAYTABS_SECRET_KEY,<br>\r\n    \"Content-Type\": \"application\/json\"<br>\r\n}<br>\r\n<\/code><\/pre>\n<h3>c. Core API endpoints<\/h3>\n<table>\n<thead>\n<tr>\n<th>functionality<\/th>\n<th>HTTP method<\/th>\n<th>Endpoint<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Create Payment Page<\/td>\n<td>POST<\/td>\n<td>\/payment\/request<\/td>\n<\/tr>\n<tr>\n<td>Transaction Enquiry<\/td>\n<td>GET<\/td>\n<td>\/payment\/query\/{transaction_id}<\/td>\n<\/tr>\n<tr>\n<td>Refund processing<\/td>\n<td>POST<\/td>\n<td>\/payment\/refund<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>4. Telr integration key steps<\/h2>\n<h3>a. SDK Integration Approach<\/h3>\n<pre><code class=\"language-javascript\">\/\/ JavaScript Frontend Integration Example (Telr Embedded Payment)<br>\r\nTelrGateway.init({<br>\r\n    key: 'MERCHANT_KEY',<br>\r\n    complete: function(response) {<br>\r\n        if (response.status === 'approved') { <br>\r\n            \/\/ Payment success logic <br>\r\n        }<br>\r\n    }<br>\r\n});<br>\r\n<\/code><\/pre>\n<h3>b. Webhook configuration requirements<\/h3>\n<p>The following notification URL must be implemented:<\/p>\n<ul>\n<li><code>https:\/\/yourdomain.com\/telr\/callback<\/code> (HTTP POST)<\/li>\n<li>Content-Type: application\/x-www-form-urlencoded<\/li>\n<\/ul>\n<p><strong>Security recommendations<\/strong>::<br \/>\n1) Verification<code>authkey<\/code>parameters<br \/>\n2) IP whitelist setting: 54.77.<em><strong>.<\/strong><\/em><\/p>\n<h2>5. Mada card special handling programme<\/h2>\n<p>Additional parameters are required for Mada card payments in Saudi Arabia:<\/p>\n<pre><code class=\"language-json\">{<br>\r\n    \"payment_method\": \"mada\",<br>\r\n    \"customer_details\": { <br>\r\n        \"id_number\": \"{Saudi ID number\/Iqama number}\".<br>\r\n        \"bank_code\": \"{issuing bank code}\"<br>\r\n     }<br>\r\n}<br>\r\n<\/code><\/pre>\n<blockquote>\n<p><strong>take note of<\/strong>Mada transaction fees are usually 0.5%-1% lower than international credit cards.<\/p>\n<\/blockquote>\n<h2>FAQ Frequently Asked Questions Solutions<\/h2>\n<p>Q1: What are the common causes of API call failures in GCC regions?<br \/>\nA1.<br \/>\n\u2705 IP not whitelisted (contact gateway tech support to add)<br \/>\n\u2705 VAT calculation error (make sure the pass parameter contains the tax_amount field)<\/p>\n<p>Q2: Local banks such as Arab Bank refusing transactions?<br \/>\nA2.<br \/>\n- Header to add <code>\"Accept-Language\": \"ar\"<\/code><br \/>\n- Billing address must contain Arabic character versions<\/p>","protected":false},"excerpt":{"rendered":"<p>Middle East Payment Gateway API Access Guide 1. Middle East Payments Market Overview The Middle East...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[35],"tags":[],"class_list":["post-2677","post","type-post","status-publish","format-standard","hentry","category-35"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u4e2d\u4e1c\u652f\u4ed8\u7f51\u5173API\u63a5\u5165\u6307\u5357 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/en\/2025\/05\/14\/\u4e2d\u4e1c\u652f\u4ed8\u7f51\u5173api\u63a5\u5165\u6307\u5357\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u4e2d\u4e1c\u652f\u4ed8\u7f51\u5173API\u63a5\u5165\u6307\u5357\" \/>\n<meta property=\"og:description\" content=\"\u4e2d\u4e1c\u652f\u4ed8\u7f51\u5173API\u63a5\u5165\u6307\u5357 1. \u4e2d\u4e1c\u652f\u4ed8\u5e02\u573a\u6982\u8ff0 \u4e2d\u4e1c\u5730\u533a&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/05\/14\/\u4e2d\u4e1c\u652f\u4ed8\u7f51\u5173api\u63a5\u5165\u6307\u5357\/\" \/>\n<meta property=\"og:site_name\" content=\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-14T07:01:42+00:00\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.deekpay.com\/en\/2025\/05\/14\/%e4%b8%ad%e4%b8%9c%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3api%e6%8e%a5%e5%85%a5%e6%8c%87%e5%8d%97\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/en\/2025\/05\/14\/%e4%b8%ad%e4%b8%9c%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3api%e6%8e%a5%e5%85%a5%e6%8c%87%e5%8d%97\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u4e2d\u4e1c\u652f\u4ed8\u7f51\u5173API\u63a5\u5165\u6307\u5357\",\"datePublished\":\"2025-05-14T07:01:42+00:00\",\"dateModified\":\"2025-05-14T07:01:42+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/en\/2025\/05\/14\/%e4%b8%ad%e4%b8%9c%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3api%e6%8e%a5%e5%85%a5%e6%8c%87%e5%8d%97\/\"},\"wordCount\":83,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"articleSection\":[\"\u4e2d\u4e1c\u652f\u4ed8\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.deekpay.com\/en\/2025\/05\/14\/%e4%b8%ad%e4%b8%9c%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3api%e6%8e%a5%e5%85%a5%e6%8c%87%e5%8d%97\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/en\/2025\/05\/14\/%e4%b8%ad%e4%b8%9c%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3api%e6%8e%a5%e5%85%a5%e6%8c%87%e5%8d%97\/\",\"url\":\"https:\/\/www.deekpay.com\/en\/2025\/05\/14\/%e4%b8%ad%e4%b8%9c%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3api%e6%8e%a5%e5%85%a5%e6%8c%87%e5%8d%97\/\",\"name\":\"\u4e2d\u4e1c\u652f\u4ed8\u7f51\u5173API\u63a5\u5165\u6307\u5357 - 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