FAQs

Test cards can only be used in a test environment before starting the activation process (Go Live). Log into your PayTabs Merchant Account and check the status of your account on the top right corner of your dashboard. If your status is TEST, only then can you use test credit cards to make a successful transaction.

If you are a Test Merchant, you will be able to change your store name before the Go-Live Activation Process. But if you are already an active merchant, you will need to contact [email protected] and request to change your Store Name.

Yes, you can use one PayTabs account for different websites, however, they would all need to be under the same line of business, using the same business license and bank account, subject to approval.

Here are the scenarios where your application might take longer than usual:

1. The documents submitted are not valid.
2. PayTabs may require you to furnish more information on your business nature, website, documents etc.
3. Applications may be going through a special approval process for different lines of businesses.

However, our sales representatives will be updating you regularly on the status of your application.

If you have any concerns, please contact [email protected]

To view all the reason codes related to transactions, login to your merchant dashboard and navigate to the transactions tab. Further instructions are available here.

You can refer to your merchant dashboard and click the “View” button against the specific transaction and view the reason for rejection/decline. Additionally, you may contact [email protected] for more information.

PayTabs has a fraud monitoring tool that flags transactions when risky factors and elements have been triggered by the system. It consists of internal risk parameters set based on the merchant’s line of business.

Transactions are temporarily shown as rejected or “do not honour” and PayTabs may either request merchant for further verification or decide to permanently reject or “Do not honour” the transaction – when found unauthorized upon review.

All refunds will be processed during working days, and within 48 hours from the time of the refund request. However, please note that in some instances the refund might take up to 21 working days to be settled in the respective cardholder’s bank account depending on the cardholder’s bank. For further assistance in this matter, please request the tracking number for the refund from our team: [email protected].

Fund withdrawing is automated, your funds will be released each Monday that follows your holding period with a minimum of $300.

The released funds would be credited to your bank account within the next 24 hours from the approval notification.

If in the rare event that you did not receive the funds within the stipulated period, please check with your bank for any issues. You should also notify PayTabs merchant relations immediately if any such issue arises.

Disclaimer: Some accounts have direct settlement from the bank, please reach out to our team for further assistance in this regard: [email protected]

Please refer the list required documents here.

A clear and descriptive website, in local and English Language, will enable the Risk Assessment Team to better understand the merchant’s business and its process. This eventually helps to reduce delays in the application process.
A good website usually has the following characteristics:

a) Products & Clear description of the products.
b) Clear Pricing of products.
c) Terms and Conditions of Service.
d) Refund& Exchange policy.
e) Shipment and delivery period details.
f) Customer service contacts details. (Email and / or call center) and corporate address.
g) The email should be under company domain and not a free email.
h) SSL secured for global websites.
i) PayTabs logo, with the logos of Visa / MasterCard and Amex if applicable.

Registration is required to use PayTabs service. We require accurate information in order to process your registration smoothly. Merchant information must kept up to date at all times to avoid inconvenience and delays especially in processing of funds. PayTabs has the rights to suspend, terminate or will not approve the application to Merchants who provide inaccurate, untrue or misrepresented data or those who fail to comply with the requirements needed.

Also, as per the mandate by Banks as well as Payment associations like MasterCard, Visa, Amex etc., we (PayTabs) need to do appropriate due diligence before approving your application.

The reason you must apply and be approved in order to get a merchant account is because there is the risk of losing money every time a credit or reversal is processed on a credit card transaction on behalf of your business. Visa and MasterCard have a very clear policy that is enforced when a cardholder pays for goods / services, which is:

The cardholder is entitled to receive the promised good or service. If such good or service is not delivered then the cardholder is entitled to getting their money back. This is one of the basic consumer protection principles that apply to credit card transactions. In order to mitigate this risk the credit card processor should have a robust screening / application process.

The integration process of PayTabs’ Payment Gateway can take anywhere between 24 to 48 hours.

You will need a fully functional online store where you can easily plug-in our script (complete instructions is available in your PayTabs dashboard or on our Solutions Portal). Once your application is approved and activated, you will be able to start transacting and accepting payments directly.

No additional software is required on your behalf. Your online store is already programmed in one of the popular programming languages (PHP, .Net, Java…), so you simply plug-in few snippets of the code we give you and you’re done. Once set up, you will be able to safely login at our gateway to manage your transactions, merchant accounts and to print statements.

The three payout options available are:

1. Weekly payout – runs automatically every Monday. Get paid within 24 up to 48 hrs, post payout initiation.
2. Monthly auto-payout – runs automatically monthly; The merchant defines the withdrawal date and minimum withdrawal amount.
3. Merchant initiated payout – This is a default withdrawal setting. You/the merchant initiates the withdrawal request via the dashboard, simply click the button at the frequency of your choice.

To define the withdrawal threshold, email [email protected] and mention your preferred withdrawal threshold. Please note that the minimum withdrawal threshold should be over $300.

Wire Transfer Fee is the amount paid by the Merchant for Inter-bank transfer of the Sales proceeds from PayTabs bank account to the Merchant’s Bank account.
Wire transfer fees are standard bank fees and PayTabs has NO control on it. Wire transfer fees differ from bank to bank.

• Hate/Violence/Racism/Religious persecution
• Dangerous or hazardous goods

Illegal goods or services

Replica

• Any form of Copyright infringement, for both physical good content

File Hosting / Sharing and Cyberlockers 

Gambling

• Uncoded / Miscoded Gambling
• Lottery tickets, Skill game operators

Debt and loan related Businesses, High yield financial investments

• Get rich quick schemes, other high yield financial investments

Other declined Lines of Business

• Aggressive recurring business models (e.g. negative option)
• Internet pharmacies (including referral sites
• Weapons / Firearms
• Drugs / Illicit substances
• Non-Established Penny and reverse Auctions

KNET, local debit/credit cards (Visa & Mastercard), Apple Pay, international cards.

Merchant account activation may take 2–3 business days once integration is complete.

• All funds are settled into a local bank account.
• KNET local-debit transactions settle T+1; Visa/Mastercard settle T+3.

• KNET transaction refunds: within 30 minutes.
• Credit Card transaction refunds: 2–3 business days.

Please refer to our documentation requirements here.

Business activity must be licensed. High-risk categories require extra compliance review.

We have a local Kuwait team available in Arabic & English.

PayTabs Issuance, TAPn’Go, Orchestration Platform, and PayTabs Touch are not yet active in Kuwait.

Deployment is pending; merchants may join a waitlist/pilot program.

POS and SoftPOS services are presently inactive in Kuwait and will need to be activated separately.

Soon we will PACI link and manage local integration.

The partnership with Doha Bank ensures smoother local settlement, compliance with Qatari banking regulations, and better support for merchants in Qatar (e.g., local currency settlement, integration with local banking systems, regulatory alignment).

It depends on the product offerings you enable under the Doha Bank partnership. Typically, our initial focus is on e-commerce/online payments. Over time, we may extend to POS, softPOS, or in-store terminals (subject to bank infrastructure and regulatory approvals).

We accept micro, small, medium, and corporate merchants in Qatar, subject to due diligence, regulatory compliance, and the business line (some high-risk verticals may require extra review or may be restricted).

Typical required documents may include:

• Commercial registration / trade license.
• Memorandum & Articles of Association (for companies).
• Qatar ID / Passport copy of owner(s) / shareholder.
• Bank account statement / bank details.
• Website (or app) details, URL, business information.
• Sample invoices, business plan, product descriptions.
• Others as required by regulatory or bank’s compliance team.

After submission of complete documents, the review process typically takes 4 to 5 business days (to be filled based on your actual SLA). Once approved, you will receive access to a test environment and then can go live after integration is validated.

Doha Bank assists in verifying merchant bank accounts, ensuring compliance with local banking / regulatory requirements, and facilitating settlement of funds to the merchant’s Doha Bank (or other Qatari bank) account.

You can begin integration immediately after receiving access to your test account. Use the test credentials and sandbox environment to ensure flows work as expected.

The integration time typically ranges between 24 to 48 hours, depending on the complexity of your system and how quickly you implement and test payment flows.

You’ll need your website or app (e.g., built in PHP, .NET, Java, etc.), and we’ll provide SDKs / API documentation / code snippets to plug into your checkout flow. You don’t need additional software beyond your existing stack plus our integration code.

Once you finish testing and your setup is verified, you will request activation from our onboarding team (in coordination with Doha Bank). After approval, your account status will change from “TEST” to “LIVE,” and you can start accepting real payments.

You can accept major international credit and debit cards (Visa, MasterCard, Himyan) and local Qatari card schemes Q Pay, also support digital wallets ( Apple Pay / Samsumg pay in the future.

Transactions will be processed in QAR (Qatari Riyal) & USD. If you accept payments in other currencies, conversion and settlement will follow the partnership’s foreign exchange / settlement policy.

A transaction may be declined for several reasons: insufficient funds, card issuer decline, risk/fraud screening, mismatch in cardholder details, or other validation failures. Merchants can check “reason codes” in the dashboard, or contact support for details.

PayTabs has built-in risk monitoring. If a transaction triggers internal risk thresholds (e.g., unusual amount, location mismatch, suspicious behavior), it may be temporarily declined or flagged for further review. We may ask the merchant or cardholder for additional verification or evidence.

Under our payout schedule (as agreed with Doha Bank), funds are transferred to your bank account periodically (Daily/ weekly / monthly / as requested). The exact timing (e.g., every Monday, or your chosen date) will be defined in your agreement.

There is a minimum withdrawal threshold (e.g., equivalent to USD 300 or its QAR equivalent) before you can initiate a payout. (Confirm with your local agreement.)

PayTabs does not control inter-bank wire transfer fees. Any bank or interbank charges for transferring funds from PayTabs settlement account to your bank account are borne by the merchant. The fees vary by Doha bank.

You can access real-time reporting, transaction history, downloadable statements, and settlement status in your PayTabs merchant dashboard — available 24/7.

You can initiate a refund via the merchant dashboard. Once processed, refunds are typically completed within 48 working hours, though in some cases it may take up to 21 working days depending on the cardholder’s bank.

When a cardholder initiates a chargeback or dispute, the merchant will be notified. You may need to provide evidence (invoice, delivery proof, communication, etc.). Doha Bank will coordinate with the card network to resolve the dispute under applicable regulations.

The merchant is primarily responsible for handling refunds and dispute resolution. If a dispute is decided against the merchant, the amount may be deducted from their balance or future payouts.

Yes. PayTabs uses SSL encryption to secure data in transit, and complies with relevant security standards. We also enforce PCI (Payment Card Industry) compliance requirements.

Some types of goods or services may be prohibited or require extra review. Examples include: gambling, weapons, illegal items, high-risk financial services, certain recurring models, etc. Each application is assessed, and we will notify you if your business falls under restricted categories. Detailed list can be shared upon request.

Fulfillment duration is the time between collecting payment and delivering the product/service. Longer fulfillment periods may increase risk and may be subject to additional review or hold periods on funds.

Our Partnering Doha Bank Will continuously monitor transaction patterns, location, amounts, and behavior. If suspicious activity is detected, transactions may be flagged or declined, and additional verification may be requested.

You can reach our local support team via email on [email protected], we provide support in both English and Arabic.

Our developer portal / solutions portal includes integration guides, API references, sample code, SDKs, and FAQs. You’ll also find video tutorials, “how-to” guides, and troubleshooting help.

If we detect violations of policy (e.g., non-compliance, fraudulent activity, mismatch in documents), your account may be temporarily frozen or suspended. You will be notified with reasons and required actions to resolve. Funds may be held until investigation is completed.

• Payment Methods Accepted.
• Currencies Accepted
• Supported Integrations