# Iraq — payment codes and schemes

> Source: https://docs.barcoder.ai/docs/payments/IQ
> extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

## Summary

- **Qi Card** leading fintech (10M+ cardholders)
- **SuperQi** super app with Ant International (July 2024)
- **Scan to Pay** QR feature
- **5% to 50%** banking rate improvement
- **20,000+ POS** merchants, 10,000 cash-out agents

## Banking landscape

### Central Bank
- **Name:** Central Bank of Iraq (CBI)
- **Website:** https://cbi.iq/
- **Role:** Monetary policy, payment oversight

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | Al-Rafidain Bank | State | Rafidain App |
| 2 | Rasheed Bank | State | Rasheed Mobile |
| 3 | Trade Bank of Iraq | State | TBI App |
| 4 | International Smart Card (Qi) | Private | SuperQi |
| 5 | Bank of Baghdad | Private | BOB Mobile |

### Market Structure
- **Qi Card:** Dominant fintech
- **Al-Rafidain:** Partner bank (state)
- **12+ million:** Electronic cards issued
- **Public-private:** Qi Card structure

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| Qi Card | ISC | Card/Digital | Dominant |
| SuperQi | Qi + Ant | Super app | Active (2024) |
| Iraqi Post | Gov/Qi | Card issuance | Active (2024) |

### Qi Card Statistics
- **10+ million** cardholders
- **5+ million** mobile app users
- **12+ million** cards issued nationally
- **2007 founded** (first in Iraq)

### SuperQi Launch (July 2024)
- Ant International partnership
- Third-generation app
- Digital bank features
- Super app model

---

## QR code standards

### SuperQi "Scan to Pay"

| Attribute | Value |
|-----------|-------|
| **Operator** | Qi Card + Ant International |
| **Launch** | July 2024 |
| **Technology** | Alipay+ Wallet Tech |
| **Feature** | QR scan transactions |

### SuperQi QR Features
- Scan to Pay functionality
- Swift QR transactions
- Phone-based payments
- First super-app in Iraq

### SuperQi Services
- Money transfers
- Scan to pay (QR)
- Bill payments
- E-commerce
- Mobile recharge

### Network Scale
- **20,000+ POS** merchants
- **10,000** cash-out agents
- **30%+ population** target by 2026
- **15 million** app user goal (3 years)

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| SuperQi | Qi Card | Yes | Super app |
| Qi Card App | Qi | Yes | Card management |
| Bank Apps | Various | Limited | Banking |

### SuperQi App
- First super-app in Iraq
- Digital bank integration
- Scan to Pay QR
- Cashless transactions
- Alipay+ technology

### Expansion Plans
- 15 million app users goal
- 3-year target
- Population coverage increase
- Digital banking push

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [SuperQi](https://docs.barcoder.ai/docs/payments/IQ/superqi) | Super app | Alipay+ | 5M+ users | [`superqi`](https://docs.barcoder.ai/docs/standards/superqi) |
| [Qi Card](https://docs.barcoder.ai/docs/payments/IQ/qi-card) | Card | ISC | 10M+ holders | — |
| [Scan to Pay](https://docs.barcoder.ai/docs/payments/IQ/scan-to-pay) | QR | SuperQi | Active | [`scan-to-pay`](https://docs.barcoder.ai/docs/standards/scan-to-pay) |

## Sources

- [Wikipedia - Qi Card](https://en.wikipedia.org/wiki/Qi_Card)
- [FFNews - SuperQi Launch](https://ffnews.com/newsarticle/fintech/iraqs-leading-fintech-qi-card-and-ant-international-launch-superqi-app-with-digital-banking-capabilities/)
- [Google Play - SuperQi](https://play.google.com/store/apps/details?id=iq.qicard.qipay.prod&hl=en)
- [Osous Tech - Mobile Payments Iraq](https://www.osoustech.com/mobile-payments-ecommerce-iraq/)
- [EPI - SuperQi Launch](https://www.electronicpaymentsinternational.com/news/iraq-fintech-qi-card-and-ant-international-launch-superqi-app/)
- [Qi Card - Iraqi Post Agreement](https://qi.iq/iraqi-post-launches-the-electronic-payment-card-service-in-cooperation-with-the-international-smart-card-company-qi)
- [Zawya - SuperQi Announcement](https://www.zawya.com/en/press-release/companies-news/iraqs-leading-fintech-qi-card-and-ant-international-launch-superqi-app-with-digital-banking-capabilities-u9g1qz6h)
- [International Finance - Qi Card Odyssey](https://internationalfinance.com/fintech/cash-free-tomorrow-qi-cards-year-fintech-odyssey-iraq/)
- [Qi Card Official](https://qi.iq/en/home)
- [AppAdvice - SuperQi](https://appadvice.com/app/superqi/6450545056)

## Full country report

[IQ-iraq.md](https://docs.barcoder.ai/docs/payments/IQ)