Introducing Zindigi’s QR – Seamlessly Connect, Transact, and Thrive!
Unlock the future of effortless payments with Zindigi’s QR payment feature. Designed for both users and merchants, this innovative solution redefines the way you send and receive payments. Efficient, On the go and Secure. Experience the future of peer-to-peer and merchant transactions with Zindigi’s P2P and Merchant QR features powered by RAAST. Whether you’re sending money to a friend or conducting business on the go, Zindigi ensures your transactions are smooth, secure, and tailored to your unique needs. Elevate your financial interactions today!
How it works?
Tap on QR from Home
Scan QR
Payment
Payment Success-full
Customised QR
Payment Requests
Become a Merchant
Become a Merchant
Got Questions? We are here to help you!
Frequently Asked Questions
What is a Merchant?
A person or company involved in trade of goods and services. In return, the merchant receives payment for those goods and services. As a Zindigi Merchant, multiple types of payment options will be made available to the customer which includes Raast enabled QR, Till number, Request to Pay, invoice management etc.
How can I register as a Zindigi' Digital Merchant?
Zindigi’s digital merchant onboarding process is a seamless way for businesses to start accepting payments. You’ll just need a Phone number, CNIC, your Selfie and your business photo (online shop screenshot or retail store photo). Any existing Zindigi L1 customer can register as a Zindigi Merchant through the Hamburger Menu. L0 customers need to conduct a biometric verification before they can apply.
How long does the merchant onboarding process take?
You can register as a Zindigi Merchant and instantly start using your merchant account. However, account verification is performed on the next working day so please ensure you add the correct information.
Can an L0 customer become a Zindigi Merchant?
Yes, however, the customer must first perform biometric verification and upgrade to L1 before merchant registration.
Can an Ultra customer become a merchant through Digital Merchant Onboarding?
No, only Zindigi L1 customers are eligible to register as Zindigi Merchants as of now. However, we are working on a new system that would allow Ultra customers to become Merchants as well.
What is the benefit of becoming a Zindigi Digital Merchant?
You can enjoy the following benefits after becoming a Zindigi Digital Merchant:
- For the first time ever, receive payments instantly from all financial institutions in Pakistan through the Raast Person to Merchant (P2M) capability.
- Instant Settlement i.e. immediate funds transfer into your Zindigi Merchant Account
- Minimal documentation for registration
What is a QR code payment?
A QR code payment is a type of mobile payment method that uses quick response (QR) codes to initiate and complete transactions. Users scan a QR code displayed by a merchant or another individual, which contains the payment information, and then complete the transaction using their Zindigi Account.
How does QR code payment work?
To make a QR code payment, Log into your Zindigi Account and tap on ‘QR’ button as the bottom of the main screen. From there you can scan the QR code displayed by the recipient using the app, which reads the payment information encoded in the code. The app then authorizes the payment and transfers funds from your account to the recipient’s account.
How can I make a QR payment using my Zindigi account?
- Log in to your account.
- Tap on ‘QR’ button from the bottom of the main screen.
- Scan any Zindigi QR or Raast QR to pay.
I cannot access the QR scanner. What do I do?
When the QR scanner is open, the application asks for Camera Permission. In case it doesn’t please go to settings to allow permission for Zindigi Application to access Camera.
What are the benefits of QR code payments?
QR code payments offer several advantages, such as:
Convenience: Users can make payments quickly by scanning a QR code using their Zindigi Account through a smartphone, eliminating the need for cash or card transactions. (Merchant & Customer)
Cost-effectiveness: QR code payments reduce the need for physical infrastructure like card terminals, resulting in lower costs for merchants. (For Merchant Only)
Accessibility: QR codes can be used by anyone with a smartphone, making them accessible to a wide range of users. (Merchant & Customer)
What are the different types of QR code payments?
- There are two main types of QR code payments:Consumer-presented QR codes: The customer generates a QR code containing their payment details, which the sender scans to make the payment.Merchant-presented QR codes: The merchant displays a QR code with the payment information, which the customer scans to make the payment.
Are there any transaction limits for QR code payments?
Current account limits will be applicable
What happens if I scan the wrong QR code by mistake?
Scanning the wrong QR code by mistake can potentially lead to unintended transactions or payment to the wrong recipient. It’s crucial to verify the payment details and recipient information before confirming the transaction. If you mistakenly scan the wrong QR code, contact the helpline immediately to report the issue and seek assistance.
What is a static QR code?
A static QR code is a code that is generated and tagged with your Zindigi Account. This QR code is permanent and can be used to receive payments from others by scanning.
What is a dynamic QR code?
A dynamic QR code is one that you can create with a customized amount to be able to receive the amount that you have entered yourself. When a sender scan’s a dynamic QR, the amount that you have entered will automatically be populated on their payment screen.