With Merchant Terminal
QR BASED
Type 1 – Reload Credit Over The Counter
1. Member pays merchant over the counter.
2. Member flashes App QR ID on Merchant Terminal
3. Merchant Terminal transaction slip is printed out
4. Member receives credit top up notification
Type 2 – Make Payment
1. Merchant enters payable amount on terminal
2. Member flashes App QR ID on terminal.
3. Merchant Terminal transaction slip is printed out.
4. Member receives amount deduction notification.
Type 3 – Mobile Voucher
1. Member redeem voucher over the counter.
2. Merchant flashes App QR ID on Merchant Terminal.
3. Member receives notification.
With POS Integration
QR BASED
Type 1 – Reload Credit Over The Counter
1. Member pays merchant over the counter
2. Member flashes App QR ID on POS System scanner.
3. POS sends transaction details to AppPay Server.
4. Member receives credit top up notification.
Type 2 – Make Payment
1. Member pays merchant over the counter
2. Member flashes App QR ID on POS System scanner.
3. POS System sends transaction details to AppPay Server.
4. Member receives amount deduction notification.
Type 3 – Mobile Voucher
1. Member redeem voucher over the counter.
2. Member flashes App QR ID on POS System scanner.
3. Member receives notification.
NFC BASED
Type 1 – Reload Credit Over The Counter
1. Member pays merchant over the counter.
2. Member scan on Merchant Terminal.
3. Merchant Terminal transaction slip is printed out.
4. Member receives credit top up notification.
Type 2 – Make Payment
1. Merchant enters payable amount on terminal.
2. Member scan on terminal.
3. Merchant Terminal transaction slip is printed out.
4. Member receives amount deduction notification.
Online Reload Credit
Online Reload (via Payment Gateway)
1.Member selected top up credit amount.
2. Member enters credit card payment details.
3. Member receives credit top up notification.
Peer-to-Peer Transfer
Type 1 – Favourite Transfer
1.Sender add Favourite Receiver before perform transfer.
2.Sender enters payable amount.
3.Receiver receives notification regarding the transfer status.
Type 2 – Receiver Enters Amount
1.Receiver enters payable amount.
2.Receiver generate QR Code.
3.Sender scans the QR Code.
4.Receiver receives notification regarding the transfer status.
Type 3 – Sender Scan
1.Sender scans receiver’s QR Code.
2.Sender enters payable amount.
3.Receiver receives notification regarding the transfer status.
Type 4 – Sender Enters Amount
1.Senders enter payable amount.
2.Senders generate QR Code.
3.Receiver scans the QR Code.
4.Sender receives notification regarding the transfer status.