Qpay Mobile Banking is a feature-rich mobile banking solution. Developed as a value add module for the banking industry, Qpay Mobile Banking puts a full range of banking services into the mobile handsets of the consumer. It is inexpensive – both in terms of capital expenditure and in operation – and provides a versatile, rich, interactive and secure environment for customers. The system includes simple transactions like balances and mini statements right through to p2p transfer, and cost effective international funds transfers and remittances that will banking to underserved and underbanked markets.

A mobile phone attached to the Internet is recognized as being less secure than a PC. Being less "intelligent" than PCs, mobile phones are less able to protect themselves from malicious software and therefore more at risk to fraud. To compensate, many banks have rolled out mobile banking solutions with only a limited range of functions.

Qpay is an authorized payment aggregator and has met the Tier 1 requirements of the Payment Card Industry Standards (PCI). Qpay offers a full range of banking options through its mobile optimized banking platform. Client information is retained by the banks and Qpay protects the integrity of the transaction with multiple encryption layers, out-of-band authentication and IVR (voice biometrics).

The Qpay architecture can be hosted on the bank platform, on Qpay’s platform or on a third party platform. The functions available via mobile include−secure balance and a mini statement (delivered via voice or SMS), bill payment, p2p transfer overseas remittances, funds transfer between account−all in a totally secure environment using Qpay’s patent pending mobile security technology.