Iraqi Card Payment: Key Facts
- eSIMfly charges Iraqi cards in IQD through PayTabs, the payment gateway operating in Iraq in partnership with Amwal Payment Services — no foreign-currency conversion on your statement.
- Visa and Mastercard accepted, including cards issued by Iraqi banks. Card details are entered on PayTabs' own PCI-compliant page — eSIMfly never sees your card number.
- No card? Use FIB. eSIMfly also accepts First Iraqi Bank app payments by QR code — see the FIB guide.
- Works for every plan: Iraq and Kurdistan eSIMs on Asiacell + Korek 4G (from $3.20, charged as IQD), plus international eSIMs for 200+ destinations.
- The eSIM QR code is issued instantly and automatically after payment confirmation.
Why IQD Card Payment Matters
Online payments in Iraq have long been the missing piece of e-commerce: international checkouts charge in USD or EUR, many decline cards issued by Iraqi banks outright, and the ones that work add foreign-currency conversion fees. That has locked many people in Iraq and the Kurdistan Region out of buying digital products — including eSIMs — even when they hold a valid Visa or Mastercard.
PayTabs' entry into Iraq, in partnership with the local payment provider Amwal Payment Services, changed this: card payments are processed inside Iraq's ecosystem and settled in local currency. eSIMfly uses this gateway so your card is charged in Iraqi Dinar at the price you see — no surprises on the statement, no declined-foreign-transaction lottery.
Two local ways to pay on eSIMfly: Iraqi card via PayTabs (this guide) or the FIB app by QR code. Both are IQD-native, both deliver the eSIM instantly — pick whichever you have.
How to Pay with Your Card: 5 Steps
Set your currency to IQD
Create a free eSIMfly account and choose Iraqi Dinar (IQD) as your currency. The Credit/Debit Card option via PayTabs appears at checkout for IQD accounts.
Choose your plan
Iraq or Kurdistan — 1GB/7 days ($3.20), 5GB/30 days ($12.99), 10GB/30 days ($23.64) — or any international plan. The IQD price is shown before you commit.
Select Credit/Debit Card at checkout
Payment is handled by the PayTabs secure checkout, operating in Iraq in partnership with Amwal.
Enter your card details and confirm
Type your Visa or Mastercard details on the PayTabs page and confirm. The charge is made in Iraqi Dinar.
Get your eSIM instantly
As soon as the payment is confirmed, your eSIM QR code is issued automatically — install it from your dashboard or email.
Card (PayTabs) or FIB — Which Should You Use?
| Card via PayTabs | FIB App | |
|---|---|---|
| You need | Visa or Mastercard (Iraqi banks OK) | FIB account + app (Personal/Business/Corporate) |
| Currency charged | IQD | IQD |
| How it works | Enter card on PayTabs secure page | Scan QR code, approve in app |
| eSIM delivery | Instant | Instant |
Both work for all plans. No FIB account and no card? Ask a family member to pay — the eSIM QR code can be forwarded and installed on any compatible phone.
PayTabs Payment FAQ
Can I buy an eSIM with an Iraqi bank card?
What is PayTabs, and what is Amwal?
Will my statement show a USD charge?
Is it safe to enter my card details?
I don't have a Visa or Mastercard — what are my options?
Related Guides
Your Card Works Here.
Charged in IQD through PayTabs & Amwal, with dual-network Asiacell + Korek coverage from Baghdad to Erbil — and instant delivery.
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