Dealing and fulfilling the electronic payment card comes to meet the needs of the market and keep pace with the growth in the field of e-commerce Also, the diversity of electronic payment cards, and the privacy that distinguishes them from other electronic payment methods, especially traditional means of fulfillment Makes their fulfillment raises many legal and technical problems Such as proper use of the card Maintaining the confidentiality of information and data Because the fulfillment processes take place in an immaterial medium The legal rules on the provisions of relations arising from the use of electronic payment cards may be inadequate, Especially since these relationships arising from dealing with electronic payment cards are based on a contractual basis , While retaining independence from the contractual relationships associated with the electronic card payment service , Therefore, the Iraqi legislator tried to keep pace with this activity by legislating the Electronic Signature and Electronic Transactions Law No. 78 of 2012, And the issuance of Law No. 3 of 2014 Electronic Payment System for Funds, The Central Bank of Iraq approved the work controls of electronic payment service agents for the year 2020 based on the provisions of the central bank Law No. 56 of 2004 as the sectoral authority competent to license this activity, All this falls within the framework of modern means of electronic payment of funds and in line with the fight against money laundering crimes, terrorist financing and tax evasion.
Nemat Mohamed Mustafa (Thu,) studied this question.