QR Based

User Over The Counter TopUp

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

User Spend

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

Mobile Voucher

1. Member redeem voucher over the counter

2. Merchant flashes App QR ID on  Merchant Terminal

3. Member receives notification

QR Based

User Over The Counter TopUp

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

User Spend

1. Merchant enters payable amount on POS System

2. Member flashes App QR ID on POS System

3. POS System sends transaction details to AppPay Server

4. Member receives amount deduction notification

Mobile Voucher

1. Member redeem voucher over the counter

2. Member flashes App QR ID on POS System scanner

3. Member receives notification

Online TopUp (via Payment Gateway)

1.Member selected top up credit amount.

2. Member enters credit card payment details

3. Member receives credit top up notification

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