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NQR Payment

An indigenous QR-code-based payments and collections solution powered by NIBSS on-behalf of the Financial Services Industry in Nigeria. NQR provides fast, easy, secure, reliable, contactless and account based option to receive and pay for goods and services


NQR Payment

It is a secure QR-code-based payments and collections platform designed for merchants and customers to receive and make payments for goods and services. This indigenous payment solution is powered by NIBSS for and on-behalf of the Financial Services Industry in Nigeria. The account based transaction platform will unify all available closed QR code schemes in the country for consistent user experience and acceleration of digital adoption.

Payment Solution based on EMV® QR Code Specification with high security and flexibility for customization.

Unique Value Proposition

  • API-driven and provides local and global interoperability
  • Effortless Merchant Onboarding (Single & Bulk Upload)
  • Real time Merchant & Sub-merchant notification
  • Provides Instant Value to Merchants
  • Centralized QR Code Management System

Touch Points

  • Retail outlets
  • Ride Hailing/Taxi Payments
  • Bus Fares
  • Tolling Booths payments
  • Vending Machines
  • Smart Retail Payments

How it works

  • Merchant presents NQR to customer at checkout
  • Customer opens mobile banking app to scan NQR
  • Customer visually inspects merchant details and inputs transaction amount if required
  • Customer authenticates transaction and merchant receives credit notification


  • Admin Consoles
  • Issuing and Acquiring APIs
  • Merchant and Sub Merchant App
  • USSD

To enjoy a world of great possibilities, kindly visit your Bank to get onboarded!

Our Partners