MyFatoorah

MyFatoorah Payment Acceptance Capabilities For Merchants

MyFatoorah is a payment platform that enables merchants to accept customer payments through multiple checkout patterns and to integrate those flows through an API. It supports invoice links, hosted checkout redirection, embedded checkout, and direct payment execution, alongside operational capabilities such as refunds, tokenization, recurring billing, shipping workflows, supplier splits, and webhooks for real time status updates.

Coverage And Availability

MyFatoorah documents support for Kuwait, Saudi Arabia, Bahrain, United Arab Emirates, Qatar, Egypt, Oman, and Jordan, with a multi country account model that can add supported countries to an account (subject to activation requirements). The platform also publishes ISO lookups for these countries, including currency codes used in API requests and responses.

MyFatoorah Payment Acceptance Channels

Invoice Links

Invoice Link integrations use the SendPayment flow to generate an invoice URL that can be shared with customers through channels such as SMS or email, or presented via redirect. API parameters include language selection to display the checkout experience in English or Arabic.

Hosted Checkout Redirection

For a hosted checkout, merchants can call InitiatePayment to retrieve enabled payment methods and then call ExecutePayment to create an invoice and receive a PaymentURL. The customer is redirected to the hosted payment page to complete payment, and merchants reconcile status through callback and error URLs, payment inquiry, and webhooks.

Embedded Checkout

Embedded Payment enables payment method selection and card entry on the merchant checkout page, with limited redirection when needed. Embedded checkout can be configured for English or Arabic display and can be constrained to specific card brands depending on payment method configuration. The embedded integration is documented as supporting card payments and selected wallets within the embedded flow.

Direct Payment And Native Wallets

MyFatoorah supports a Direct Payment flow where the merchant submits either full card details or a token to execute payment against a PaymentURL. Documentation indicates that a PCI certificate is required for Direct Payment. MyFatoorah also provides native wallet integrations to accept Apple Pay, Google Pay, and Samsung Pay without redirecting customers to external payment pages.

Supported Payment Methods

MyFatoorah publishes a catalog of supported methods, while noting that method availability depends on the merchant account and agreement. Documented payment methods include KNET, Visa and Mastercard, American Express, Benefit, mada, UAE debit cards, Qatar debit cards, Apple Pay, Google Pay, STC Pay, Oman Net, Mobile Wallet (Egypt), and Meeza. Merchants can retrieve the methods enabled for their account through the InitiatePayment endpoint, which returns the payment methods configured for the merchant.

Tokenization And Saved Cards

Tokenization is available via API to store a customer card in an encrypted and hashed form and return a token that can be associated with a customer profile for future payment execution. Tokenized embedded payments extend embedded checkout by returning tokens for saved cards and making it possible to present saved cards outside of the embedded UI. Direct Payment supports executing payments using either full card data or a token.

Recurring Billing

Recurring Payment is supported for subscription and repeat charge use cases. The platform supports creating and managing recurring payments and provides webhook events for recurring updates, which can be used to track recurring status changes and deduction attempts.

Marketplace And Supplier Splits

MyFatoorah supports a Multi Vendors model based on suppliers. Merchants can create suppliers, set supplier rates, and collect payments that distribute amounts between a vendor and one or more suppliers. Documentation describes distribution approaches including fixed and percentage based commissions and invoice level proposed share allocations. Activating Multi Vendors requires approval and contact with an account manager or sales representative.

Operational Controls

MyFatoorah supports partial and full refunds via API or portal, and documentation notes that some gateways support instant refunds. Authorization and capture supports capturing fully or partially or releasing funds back to the customer via the UpdatePaymentStatus endpoint, and documentation notes that it requires enablement through an account manager.

MyFatoorah also supports shipping workflows connected to DHL and Aramex. The shipping module includes endpoints to retrieve supported shipping countries and cities, calculate shipping charges, create invoices that include shipping information, and update shipping status as the order progresses. Documentation also describes generating shipping documentation such as an AWB PDF.

Status Tracking, Webhooks, And Reporting

The GetPaymentStatus endpoint retrieves invoice and transaction status and includes error codes for scenarios such as 3D Secure authentication failures, issuer declines, gateway blocks (including fraud detection or security rules), and risk based denials. These signals support deterministic handling for customer messaging, retries, and internal payment operations.

Webhook V2 supports events for payment status changes, refund status changes, balance transfers (deposits), supplier status changes, recurring updates, dispute status changes, and supplier update request status changes. MyFatoorah also provides a GetWebhooks endpoint that retrieves webhook event logs and delivery status, which can help recover missed events when a merchant endpoint was unavailable.

For reconciliation, a reporting endpoint is available to retrieve the list of invoices included in a deposit, enabling mapping between deposit references and the underlying paid invoices.

Developer Tooling And Platform Integrations

MyFatoorah provides Postman collections, a PHP library distributed via Composer, sample code in multiple languages, mobile SDK documentation for iOS, Android, Flutter, React Native, and Cordova, and plugins for common ecommerce platforms. Documented plugins include WooCommerce, Shopify, Magento 2, OpenCart, PrestaShop, WHMCS, CS Cart, Drupal Commerce, Ecwid, GoDaddy, Joomla 3.x, Laravel, nopCommerce, Omnipay, Symfony, and Zoho. Separate shipping plugin support is documented for Magento 2, OpenCart, and WooCommerce.

Pricing And Commercial Considerations

The documentation focuses on technical integration and operational APIs, while commercial terms such as transaction fees, settlement schedules, and payment method availability are handled through account activation and merchant agreements.

Conclusion

MyFatoorah provides a payments stack oriented to Middle East markets, combining multiple checkout patterns with operational capabilities relevant in production: tokenization and saved cards, recurring billing, refunds and authorization capture, shipping workflows, supplier based split payments, webhook driven status updates, and deposit reconciliation reporting.