QPay is an innovative online payment system that enables users and merchants to send and receive payments seamlessly. The platform uses a unique QR code system, making transactions easier, faster, and more convenient for both parties. With QPay, all merchants need to do is print their unique QR cod

High cost of payment infrastructure: Traditional payment infrastructure, such as Point of Sale (POS) machines, can be expensive for small businesses and entrepreneurs. QPay's QR code system provides a cost-effective alternative that can be easily implemented by merchants without requiring any significant investment in hardware or software.


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Convenience and speed of transactions: QPay's QR code system allows for faster and more convenient transactions compared to traditional payment methods. Users can make payments by simply scanning a QR code, which eliminates the need for cash or credit cards. This convenience can lead to increased adoption of digital payments, which is beneficial for both users and merchants.

In summary, QPay is addressing a range of problems related to financial inclusion, security, affordability, and convenience. Its digital payment platform provides a practical solution that can benefit both users and merchants in the African context.

Transparency: QPay provides a transparent and efficient payment system that allows users to track their transaction history and receive real-time notifications. This helps to build trust between users and merchants, which is essential for the growth and sustainability of digital payments.

I am reaching out to express my interest in your financial literacy and technical capacity services for our QPay project. As you may already know, QPay is an online payment system that enables users and merchants to send and receive payments using a unique QR code or email address. Our goal is to create a near-perfect working product like PayPal, and we believe that your expertise in financial literacy and technical capacity could help us achieve this goal.

We are particularly interested in your assistance with partnering with a third-party financial house that can carry out payments on QPay's behalf. We recognize that this is a critical aspect of our business model, and we want to ensure that we work with a reliable and trustworthy partner that can help us provide seamless payment services to our users and merchants.

Use of QR code technology: QPay uses QR code technology to facilitate digital payments, which is a relatively new concept in many African countries. QR codes offer a simple and convenient way for users and merchants to make and receive payments without the need for a physical card or cash. This innovative technology is likely to appeal to tech-savvy users who are looking for more efficient payment options.

Adoption rates: QPay will track the number of users and merchants using its platform to make and receive digital payments. This can provide insight into the platform's growth and adoption rates over time.

QR code technology: QPay's use of QR codes for digital payments is a key technology that allows users and merchants to quickly and securely transfer funds using a mobile device. QR codes are a widely adopted technology and can be easily integrated into existing payment systems.

QPay partners with merchants to encourage them to accept payments through its platform. In exchange for this partnership, QPay offers its services for free to merchants, allowing them to receive payments without incurring any fees.

QPay partners with financial institutions or other third-party providers to offer additional financial services, such as loans or insurance, to users and merchants on its platform. In exchange for these services, QPay could receive a referral fee or a percentage of the revenue generated.

By implementing a commission-based model, QPay can generate revenue while also providing value to both users and merchants. This model also allows for flexibility in expanding the range of services offered and partnering with other providers in the financial ecosystem.

Implement a commission-based revenue model: As discussed earlier, QPay can generate revenue by charging a commission fee on each transaction processed through its platform. By setting competitive commission rates and partnering with merchants to drive transaction volumes, QPay can generate a steady stream of revenue.

Diversify revenue streams: QPay can explore additional revenue streams beyond its core payment processing services. For example, QPay can partner with financial institutions to offer loans, insurance or other financial products to users and merchants on its platform.

20.1. A cashback deal means an offer made by the Service to QPay card holders, as determined by us from time to time, which typically includes a rebate on a purchase transaction with a Participating Merchant;

 20.2. The complete list of cash back deals available to a QPay card holder is determined and provided according to the tier selection, and is available on the QPay app. Cash back deals are added on a recurring basis, as more merchant deals become available. Visit the getqpay.com/deals website to access the top trending deals. 

 20.3. The Service periodically offers bonus cash back deals or other benefits for sign-ups and referrals to the Service, for referring other new members, or for other specific actions such as cons istent usage of the card. The specific terms and conditions accompanying such offers will govern how they are earned and redeemed, and will be made available to you. 

 20.4. Cash back deals are not transferable between members or tier accounts under any circumstances.

 20.5. To the maximum extent permitted by law we do not guarantee the accuracy of rewards advertised as a cash back offer on the QPay website & app and the value of each cash back offer may be affected by: merchants increasing or decreasing the commission paid to us; human error; or any bugs or glitches on the QPay website & app. Merchants may also withdraw their cash back deals with or without notice to us, in which case the cash back deals may not be available. 

 20.6. Redemption of a cash back deal requires QPay card holders to make a full payment on their intended purchase, with the cash back being instantly credited to their account post transaction.

 20.7. We reserve the right to change the Minimum Value purchase of a cash back offer at any time. 

 20.8. We reserve the right to reverse or cancel any cash back credited to your Account incorrectly, or not in accordance with, or in breach of, these Terms Of Use, at any time. In particular, if a cash back is credited to your Account due to a human or computer error, or if a cash back is credited to your Account due to the accidental or deliberate exploitation of a computer-programming bug by you or by anyone else, we reserve the right to adjust or reverse the transaction without notice. 

 20.9. Cash back deals cannot be re-issued once they have expired. Any activity on the QPay cardholer's account after the expiry date will not apply to any rewards previously expired under these Terms Of Use. 


6.1.We may disclose personal information for the purposes described in this Privacy Policy to:

(a) to relevant Merchants when you wish to purchase goods and services from them; 

 (b) our employees and related bodies corporate;

 (c) third-party suppliers and service providers (including providers for the operation of our Platform and/or our business or in connection with providing our products and services to you);

 (d) professional advisers, dealers and agents;

 (e) payment systems operators (eg merchants receiving card payments); 

 (f) our existing or potential agents, business partners or partners;

 (g) our sponsors or promoters of any competition that we conduct via our services;

 (h) anyone to whom our assets or businesses (or any part of them) are transferred;

 (i) specific third-parties authorised by you to receive information held by us; and/or

 (j) other persons, including government agencies, regulatory bodies and law enforcement agencies, or as required, authorised or permitted by law.


QPayConnect spearheads mobility using smartphones installed with Android app and if preferred connected to our mPOS device via Bluetooth, makes it easier for merchants to facilitate the waiting lists, speed up transactions, and serve customers quickly. Thus, it makes the business flow easy and the customers are happy.

QPayConnect will give way for establishments to also do up-sell and cross-sell, which can help move costly inventory items, increase turnover and ultimately boost your revenue. Notably, people today are opting ease, flexibility and convenience. And, QPayConnect could be the answer for merchants looking to meet the evolving demands of their mobility-driven customers, while shedding the costs and constraints of pricey, obsolete infrastructure.

QPay has always been looking for ways to achieve its goal of providing easy and affordable way for merchants to sell online while also looking for opportunities to serve the community. Demonetisation in 2016 changed the dynamics suddenly for the customers and as well retailers, in particular, who wanted to reach out to their customers to ease sales. QPay have come up with a solution to remedy this situation with its QPayConnect product. The solution addresses all the issues for the merchants and their customers.

You can show the successful transaction notification to the merchant for payment confirmation. Alternatively, the merchant should also check their account transaction details to confirm if payment has been received.


Any transaction made shall be between you and the merchant. If there is a discrepancy in the transaction details, please inform the merchant immediately. Any arrangements made between you and the merchant are based on the agreement between both parties and Baiduri Bank will not be liable to any losses incurred.

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