In the QRPay system, there are three main roles: User, Merchant, and Agent. Each role has specific functionalities tailored to their needs and interactions within the system.

1. User:
• Send Money Through a QR code

Users can initiate money transfers by scanning QR codes provided by recipients.

• Money Receive Through QR code

Users can receive money from others by displaying their own QR code for scanning.

• E-wallet

Users have access to an electronic wallet within the system to store funds securely.

• Money Deposit

Users can deposit money into their e-wallet either manually or automatically through designated channels.

• Withdraw Money

Users can withdraw funds from their e-wallet manually or set up automatic withdrawals for convenience.

• Remittance Solution

Access to remittance services for sending money domestically or internationally.

• Bill Pay

Users can pay various bills such as electricity, gas, telephone, internet, and government bills directly through the platform.

• Make Payment (to Merchant)

Users can make payments to merchants for buying product.

• Mobile TopUp

Facility to top up mobile phone credits directly through the QRPay system.

• Pay link

Users can generate payment links that customers can use to make payments via Stripe.

• Real-time Statement

PayLink Feature Access to real-time transaction statements for monitoring purposes.

• PDF Statement Download

Ability to download transaction statements in PDF format for record-keeping or auditing for PayLink Feature.

• Request Money from Users

Users can request money from other users within the system.

• Single Currency

All transactions are conducted in a single currency, ensuring uniformity and ease of use.

• Manual Payment Gateway

Support for manual payment processing for added flexibility.

• Automatic Payment Gateway

Automated payment processing for seamless transactions.

• Multiple Automatic Payment Gateway

Ability to integrate with multiple automatic payment gateways for enhanced transaction processing options.

• KYC Verification

Users undergo Know Your Customer (KYC) verification to ensure compliance and security.

• 2FA Security

Enhanced security with two-factor authentication using Google Authenticator for user authentication.

2. Merchant:
• Receive Money by User

Ability to accept payments from users for products or services.

• Pay link

Merchants can create payment links that customers can use to make payments via Stripe.

• Withdraw to Super-admin

Merchants can withdraw funds manually or set up automatic withdrawals to a designated super-admin account.

• Single Currency

Operates in a single currency for transactions.

• Manual Payment Gateway

Support for manual payment processing to cater to specific needs.

• Automatic Payment Gateway

Automated payment processing for efficient transactions.

• Multiple Automatic Payment Gateway

Ability to integrate with multiple automatic payment gateways for enhanced flexibility.

• KYC Verification

Merchants undergo KYC verification to ensure compliance and security.

• 2FA Security

Utilizes two-factor authentication (2FA) with Google Authenticator for added security.

3. Agent:
• Send Money

Agents can initiate money transfers to other agents within the system.

• Receive Money

Agents can receive money from users for various transactions.

• Remittance Send

Access to remittance services for sending money domestically or internationally.

• Withdraw

Agents can withdraw funds manually or set up automatic withdrawals for convenience.

• Money In (Agent to Users QRPay E-wallet)

Agents can deposit money into users' QRPay e-wallets.

• Bill Pay

Agents can facilitate bill payments for users, including utilities and government bills.

• Mobile TopUp

Ability to top up mobile phone credits directly through the QRPay system.

• My Senders (Saved Sender)

Access to saved sender information for streamlined transactions.

• Recipients (Saved Recipients)

Access to saved recipient information for efficient money transfers.

• Single Currency

Operates in a single currency for transactions.

• Manual Payment Gateway

Support for manual payment processing to cater to specific requirements.

• Automatic Payment Gateway

Automated payment processing for seamless transactions.

• Multiple Automatic Payment Gateway

Ability to integrate with multiple automatic payment gateways for enhanced flexibility.

• KYC Verification
• Utilizes two-factor authentication (2FA) with Google Authenticator for added security.

Note: Each role within the QRPay system is equipped with specific functionalities tailored to their responsibilities, ensuring smooth financial transactions, security, and convenience for users, merchants, and agents alike.