Qitero Qitero

QNB E-Commerce (Qatar National Bank)

Country: Qatar (QA)  |  Payment Rail: bank_clearing

OnlineBanking Market Adoption: 70%

QNB E-Commerce is the flagship online banking and merchant acquiring portal of Qatar National Bank, providing direct bank settlement, multi-currency processing, and robust fraud prevention for enterprise commerce.

🔄 User Payment Flow

  1. Customer selects QNB Online Banking at merchant checkout
  2. Customer is redirected to QNB Internet Banking portal or approves in QNB Mobile app
  3. Customer logs in with banking credentials and enters security token / OTP
  4. Account is debited in real time and user redirects back to merchant confirmation

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant backend initiates payment session via QNB E-Commerce Gateway
  • Gateway routes customer to secure QNB authentication environment
  • Gateway captures bank clearing confirmation and sends IPN webhook