Qpay’s regulatory compliant low value wallet for foreign workers, youth and even loyalty programs which deal in real cash is a revolution in convenience and flexibility. It encompasses all banking, remittance, bill payment and e-shopping functions via simple yet highly secure interfaces.

Simple

There is no easier way to pay bills, send money to friends and family and check your account balance and transactions. Transactions can be initiated via simple text, or via a secure mobile website.

Safe

Money is not stored on the mobile phone, so if the phone is lost or stolen, your funds are safe. Once you replace your phone, you have access to your account again – immediately. You can even change your phone number associated with your account easily (and securely) any time.

Secure

All outgoing transactions are secured by Qpay’s patented multi-factor authentication. When you initiate a transaction, the Qpay computer automatically phones your mobile, verifies the transaction and seeks your approval (via PIN or voice biometric). This simple to use computer generated process is even more secure than traditional Internet Banking.

Link a card

Coupled with a Scheme Pre-Paid card (such as VISA or MasterCard Prepaid) you can access cash at ATMs, shop in person and online.