NQR Payments.
An electronic channel that facilitates payments between buyers and sellers for goods and services by scanning a Quick Response code. Funds move directly from the customer's account to yours, with real-time alerts for both parties.
Collections that settle, and stay settled
No Chargebacks
Instant value to merchants for all transactions. Once a payment lands it stays landed — there is no chargeback window hanging over your takings.
Easy Onboarding
Zero cost of onboarding, infrastructure and otherwise. There is no terminal to buy and no rental to carry.
360° Transaction Visibility
A full view of every transaction moving through your code, rather than a figure that only resolves at end of day.
Reconciliation Portal
A reconciliation and reporting portal for merchants, so matching payments to sales is something you look up rather than piece together.
Payer-Side Security
Transactions are initiated, authenticated and completed by the payer using their own mobile app — your staff never handle the customer's credentials.
Works Across Participating Banks
NQR is Nigeria's Quick Response code standard, so customers can scan and pay from any participating bank's app.
Display the code. Take the payment.
At Your Counter
Display your NQR code where the customer can see it — at the till, on the shelf, or on the invoice.
The customer opens their banking app and scans the code.
Payment & Alert
They authenticate and complete the payment inside their own app, on their own device.
Funds move directly to your account and both of you receive a real-time alert.
What you need
A ProvidusUnity Bank account — collections settle directly into it.
An NFC-enabled smartphone.
Related payment & collection tools
Scan to pay, settled instantly.
Talk to our Business Concierge about getting an NQR code for your business — onboarding costs nothing.