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Difference between QRPay - User, Agent and Merchant

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.

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