How to Integrate Payriff with Store.icu in 15 Minutes (Complete Azerbaijan Guide)

Want to start accepting online payments in Azerbaijan today? Integrating Payriff—Azerbaijan’s leading payment gateway—with your Store.icu eCommerce store is the fastest way to enable AZN payments, accept all major cards including EmirCard, and start generating revenue. And the best part? It takes just 15 minutes from start to finish.

In this comprehensive tutorial, we’ll walk you through every step of integrating Payriff with your Store.icu store. Whether you’re launching a new business in Baku or expanding your existing retail presence online, this guide has everything you need to start accepting payments in Azerbaijan.

Why Integrate Payriff with Store.icu?

Before diving into the setup, let’s understand why this integration is perfect for Azerbaijan eCommerce:

• Native AZN Support: Accept payments in Azerbaijani Manat without conversion hassles
• All Payment Methods: Visa, Mastercard, EmirCard, local bank cards
• Zero Setup Cost: No upfront fees—start accepting payments immediately
• Built-in Integration: Native support in Store.icu dashboard on all plans
• Fast Settlements: Money in your bank within 1-2 business days
• Mobile-First: Optimized for Azerbaijan’s mobile-first shoppers
• Quick Approval: Most accounts activated within 24-48 hours
• 3D Secure: Enhanced security for all transactions

What You’ll Need Before Starting

Step 1: Create Your Payriff Merchant Account (5 minutes)

First, you need a Payriff merchant account to process payments.

1.1 Visit Payriff Website

1. Go to payriff.com
2. Click “Merchant olun” (Become a Merchant)
3. Select “Online Mağaza” (Online Store)

1.2 Complete Application Form

1. Fill in business details:
   • Business Type: Physical Person (Fiziki şəxs) or Legal Entity (Hüquqi şəxs)
   • Business Name: Your registered company name
   • Tax ID (VÖEN): Your 10-digit tax identification
   • Business Category: Select your industry (Fashion, Electronics, etc.)
   • Website URL: Your Store.icu store address
   • Expected Monthly Volume: Estimated sales in AZN
2. Enter contact information:
   • Mobile phone number
   • Email address
   • Business address
3. Click “Göndər” (Submit)

1.3 Upload Required Documents

1. You’ll receive an email with document upload instructions
2. Upload the following:
   • Business License: Sahibkarlıq fəaliyyət haqqında şəhadətnamə
   • Tax Certificate: VÖEN certificate
   • Bank Details: Account confirmation from your bank
   • Owner ID: Şəxsiyyət vəsiqəsi (both sides)
   • Address Proof: Utility bill or lease agreement
3. Submit documents for verification
4. Wait for approval (typically 24-48 hours)

Step 2: Get Your Payriff API Credentials (3 minutes)

Once approved, you’ll receive your API credentials to connect Store.icu.

2.1 Access Merchant Portal

1. Log into Payriff Merchant Portal
2. Use the login credentials sent to your email
3. Change your temporary password to something secure

2.2 Get API Keys

1. Navigate to Settings → API Settings (Ayarlar → API Parametrləri)
2. You’ll see two keys:
   • Test Mode Keys: For testing payments (no real money)
   • Live Mode Keys: For accepting real payments
3. Copy the following credentials:
   • Merchant ID: Your unique merchant identifier
   • Secret Key: Your authentication key
4. Store these securely—you’ll need them in the next step

Step 3: Configure Payriff in Store.icu (4 minutes)

Now let’s connect everything together in your Store.icu dashboard.

3.1 Access Payment Settings

1. Log into your Store.icu admin dashboard
2. Navigate to Settings → Payments in the left sidebar
3. You’ll see a list of available payment methods
4. Find “Payriff” in the list

3.2 Enable Payriff

1. Click “Enable” or “Configure” next to Payriff
2. You’ll be taken to the Payriff configuration page

3.3 Enter API Credentials

1. In the configuration form, enter:
   • Merchant ID: Paste your Payriff Merchant ID
   • Secret Key: Paste your Payriff Secret Key
   • Payment Mode: Select “Test Mode” initially
   • Display Name: “Payriff” or “Kart ilə ödəniş”
2. Configure display options:
   • Show Logo: Enable to display Payriff logo at checkout
   • Description: “Visa, Mastercard, EmirCard qəbul olunur”

3.4 Configure Payment Options

1. Choose payment features to enable:
   • ✅ Credit/Debit Cards: All major cards
   • ✅ 3D Secure: Enhanced security (recommended)
   • ✅ Save Cards: Allow customers to save cards for future purchases
   • ✅ Installments: Enable taksit (installment) payments
2. Set transaction settings:
   • Auto-Capture: Automatically capture payments (recommended)
   • Currency: AZN (primary) + USD, EUR (optional)
   • Minimum Order: Set if desired (e.g., ₼10)

3.5 Save Configuration

1. Review all settings carefully
2. Click “Save” or “Update”
3. You should see a success message

Step 4: Test Your Integration (3 minutes)

Always test before going live to ensure everything works perfectly.

4.1 Create a Test Product

1. In Store.icu dashboard, go to Products → Add Product
2. Create a simple test product:
   • Name: “Test Product” or “Sınaq məhsul”
   • Price: ₼50
   • Status: Active
3. Save the product

4.2 Place a Test Order

1. Open your Store.icu store in a new browser window (or incognito mode)
2. Add the test product to cart
3. Proceed to checkout
4. Fill in customer details (use a valid email)
5. Select Payriff as payment method
6. Click “Sifarişi tamamla” (Complete Order)

4.3 Complete Test Payment

1. You’ll be redirected to Payriff’s secure payment page
2. Since you’re in test mode, use Payriff’s test card:
   • Card Number: 4111 1111 1111 1111
   • Expiry Date: Any future date (e.g., 12/25)
   • CVV: Any 3 digits (e.g., 123)
   • Cardholder Name: Any name
3. Complete 3D Secure verification (test mode auto-approves)
4. You should see a success message
5. You’ll be redirected back to your store

4.4 Verify in Dashboards

1. Check Store.icu Orders page:
   • Order status should be “Paid” or “Processing”
   • Payment method should show “Payriff”
   • Transaction ID should be visible
2. Check Payriff Merchant Portal:
   • Transaction should appear in dashboard
   • Amount should match order total
   • Status should be “Success”
3. Verify you received order confirmation email

Step 5: Go Live with Real Payments (2 minutes)

Once testing is successful and your account is fully approved, switch to live mode.

5.1 Verify Account Approval

1. Check email for Payriff final approval notification
2. Log into Payriff Merchant Portal
3. Verify status shows “Active” or “Approved”
4. Confirm your bank account is linked correctly

5.2 Switch to Live Mode

1. In Payriff Merchant Portal, copy your Live Mode credentials
2. Go back to Store.icu → Settings → Payments → Payriff
3. Update credentials:
   • Paste Live Merchant ID
   • Paste Live Secret Key
   • Change Payment Mode to “Live”
4. Click “Save”

5.3 Make a Real Test Purchase

1. Place a small real order (₼10-20) using your own card
2. Complete the full payment process
3. Verify:
   • Order appears in Store.icu with “Paid” status
   • Transaction appears in Payriff dashboard
   • Money will settle to your bank (T+1 to T+2 days)

Advanced Configuration Options

Once basic integration is working, explore these advanced features:

Installment Payments (Taksit)

1. In Payriff Merchant Portal, navigate to Settings → Installments
2. Enable installment payments:
   • Minimum Amount: ₼300 (recommended)
   • Installment Options: 3, 6, 9, or 12 months
   • Supported Banks: Select participating banks
3. Customers will see installment options at checkout automatically

Recurring Billing (Subscriptions)

1. Enable recurring payments in Payriff settings
2. In Store.icu, create subscription products
3. Set billing frequency (weekly, monthly, yearly)
4. Payriff automatically charges customers on schedule

Multi-Currency Support

1. Enable additional currencies in Payriff settings
2. Supported: USD, EUR, GBP, RUB, TRY
3. Display prices in customer’s preferred currency
4. Automatically convert to AZN at checkout
5. Settle in AZN or USD (your choice)

Fraud Prevention

1. Enable Payriff’s fraud detection tools
2. Configure:
   • Velocity Limits: Max transactions per card/IP
   • Amount Limits: Set maximum transaction amounts
   • Country Blocking: Block high-risk countries
   • 3D Secure: Require for all transactions (recommended)

Troubleshooting Common Issues

Issue 1: “Invalid Merchant ID” Error

Causes:

• Copied credentials incorrectly (extra spaces, missing characters)
• Using test credentials in live mode or vice versa
• Credentials not yet active

Solutions:

• Re-copy credentials carefully from Payriff portal
• Verify you’re using correct mode (test vs. live)
• Confirm your account is fully approved
• Contact Payriff support to verify credentials are active

Issue 2: Payment Page Not Loading

Causes:

• JavaScript blocked by browser
• Network connectivity issues
• Incorrect Store.icu callback URL

Solutions:

• Try in incognito/private browsing mode
• Disable browser extensions temporarily
• Check internet connection
• Verify callback URL in Payriff settings matches Store.icu domain

Issue 3: 3D Secure Verification Fails

Causes:

• Customer’s card not enrolled in 3D Secure
• Customer entered wrong OTP/password
• Bank’s 3D Secure system temporarily down

Solutions:

• Customer should contact their bank to enable 3D Secure
• Try a different card
• Wait 5 minutes and try again
• Check Payriff status page for known issues

Issue 4: Settlements Delayed

Causes:

• Bank account verification pending
• Weekend or holiday affecting processing
• Account under review (high-risk transactions)

Solutions:

• Verify bank account details in Payriff portal
• Account for weekends and holidays (no processing)
• Check email for any verification requests from Payriff
• Contact Payriff support if delayed beyond T+5

Issue 5: Refund Processing Issues

Causes:

• Insufficient balance in Payriff account
• Refund exceeds original transaction amount
• Transaction too old (past refund window)

Solutions:

• Ensure sufficient balance for refunds
• Double-check refund amount
• Refunds typically allowed within 180 days
• For older transactions, process manual refund via bank

Optimizing Payment Success Rates

Follow these best practices to maximize successful payments in Azerbaijan:

1. Enable All Card Types

Accept Visa, Mastercard, AND EmirCard. In Azerbaijan, many customers prefer local cards—don’t miss these sales.

2. Always Use 3D Secure

While it adds one step, 3D Secure dramatically reduces fraud and chargebacks. Azerbaijan customers expect it.

3. Display in AZN

Show prices in Azerbaijani Manat. Customers trust local currency more and understand costs better.

4. Mobile-Optimized Checkout

70%+ of Azerbaijan online shopping happens on mobile. Ensure your Store.icu theme is mobile-responsive.

5. Clear Pricing

Show total cost including any fees upfront. Surprise costs cause abandonment.

6. Offer Installments

For products over ₼300, enable taksit (installments). This increases conversion 25-40% on higher-value items.

7. Fast Checkout

Minimize form fields. Only ask for essential information to reduce friction.

8. Trust Signals

Display security badges, Payriff logo, and “3D Secure” messaging to build trust.

Understanding Transaction Fees

Payriff’s pricing is transparent and competitive:

What’s NOT Charged:

• Setup fee: ₼0
• Monthly maintenance: ₼0
• Dashboard access: ₼0
• API usage: ₼0
• Settlement transfers: ₼0
• Integration support: ₼0

Next Steps After Integration

Week 1: Monitor and Verify

• Process several real orders to ensure stability
• Track payment success rates in Payriff dashboard
• Verify settlements arrive on schedule
• Set up email notifications for transactions

Week 2: Optimize Experience

• Add Payriff security badges to your Store.icu theme
• Create FAQ about accepted payment methods
• Test checkout on multiple devices
• Enable customer card saving if desired

Week 3: Add Features

• Enable installment payments for higher-value items
• Set up multi-currency if selling internationally
• Configure fraud prevention rules
• Review analytics and identify improvements

Week 4: Scale

• Analyze payment data to understand customer behavior
• Adjust pricing strategy based on conversion data
• Request higher transaction limits if needed
• Consider adding subscription products

Getting Help and Support

Store.icu Support

• Documentation: onlinestore.support/docs
• Support Portal: Submit tickets through your dashboard
• Live Chat: Available during business hours
• Email: support@store.icu

Payriff Support

• Website: payriff.com
• Merchant Support: merchant@payriff.com
• Phone: (+994 12) 555-0000 (Mon-Fri, 9:00-18:00)
• Baku Office: In-person support available

Conclusion: You’re Ready to Accept Payments!

Congratulations! You’ve successfully integrated Payriff with your Store.icu eCommerce store. What could have taken weeks with traditional payment gateways took just 15 minutes with Store.icu’s native integration.

Next Steps:

• 📚 Read: Payriff vs Traditional Payment Gateways
• 🎓 Explore: Payriff Features for Store.icu
• 📊 Store.icu University – Free courses