Every payment.
Every channel. Every country.
The payment backbone for banks, fintechs, merchants and governments — global gateway, orchestration, fraud defence, authentication, tokenization and revenue collection, engineered to bank-grade standards.
One platform. Nine products. Zero compromises.
Each product stands alone and stands together — composable infrastructure that replaces a patchwork of vendors, backed by a single contract and one integration.
QGate
One integration to accept cards, bank transfers, virtual accounts, USSD, QR, mobile money, UPI, Pix and more — with a hosted checkout that adapts to the payer's country automatically.
Explore QGate AcquiringQRoute
Specificity-scored routing rules steer every charge to the best gateway by country, currency, method and amount — with automatic failover when a rail degrades.
Explore QRoute RiskQShield
Rules-based pre-authorization screening: velocity checks, thresholds, blacklists and geo signals — flag or block before money moves.
Explore QShield SecurityQ3DS
EMV 3-D Secure authentication for issuers and acquirers, engineered for frictionless flows and regulatory compliance across markets.
Explore Q3DS AuthenticationQAuth
ACS, risk-based authentication, passkeys and in-app approval — layered strong customer authentication that keeps good customers moving.
Explore QAuth TokenizationQVault
Network tokenization with push provisioning and a hardened vault — one hub for issuers, one for acquirers and merchants.
Explore QVault IssuingQCard
Full lifecycle management for virtual and physical prepaid programs: issue, load, control, monitor and settle.
Explore QCard IssuingQSub
Recurring billing with smart retries plus QFlex issuer instalments — recover failed renewals and split big-ticket payments.
Explore QSub GovernmentQCollect
Revenue collection for federal, state and local government: MDAs, revenue heads, bank-quotable bill references, POS, USSD, bank-branch and field-agent channels — every rail processed natively by QPay, under one roof.
Explore QCollect WorkforceQPayroll
Run payroll end to end: PAYE under the classic PITA or NTA 2025 schedule, pension, NHF and NSITF computed per payslip, salaries paid to name-verified accounts from a dedicated wallet, and every statutory schedule ready to remit — with an API your HR system can drive.
Explore QPayrollCheckout that speaks the payer's language — and rails.
QoinPay detects the payer's country from their IP and presents the rails that actually convert there — no hard-coding, no dead ends.
Live in days, not quarters.
A single integration takes you from first test charge to global settlement — with the orchestration, risk and compliance handled underneath.
Integrate
One REST API and hosted checkout. Drop in test keys and take your first charge in an afternoon.
Verify
Complete a guided KYC once. QoinPay handles onboarding, risk scoring and compliance review.
Route
QRoute selects the best gateway per country, currency and method — with automatic failover.
Settle
Reconciled settlements, a unified ledger and signed webhooks across every rail and region.
Bank-grade security, on by default.
Every transaction passes through layered defence engineered to the standards regulators expect of tier-1 institutions.
- Pre-authorization risk screeningVelocity, thresholds, blacklists and geo signals flag or block before money moves.
- EMV 3-D Secure & strong authenticationFrictionless flows with step-up ACS, risk-based auth and passkeys.
- Encryption & tokenizationSecrets held in an AES-256-GCM vault; network tokens replace raw card data.
Digitize every revenue stream — online and offline.
Purpose-built for federal, state and local government: structure MDAs and revenue heads, issue bank-quotable bill references, and reconcile collections from every channel.
Purpose-built for every side of the payment.
One platform, tuned to how banks, acquirers, fintechs and government actually operate.
Banks & Issuers
Authentication, tokenization, prepaid and instalments for regulated institutions.
Learn moreAcquirers & Merchants
Gateway, orchestration and risk tooling that lifts approval rates.
Learn moreFintechs
API-first payments infrastructure to launch and scale in any market.
Learn moreGovernment & Public Sector
Digitize every revenue stream across online and offline channels.
Learn moreQoinPay, self-hosted
QoinPay Cloud is fully managed — you're up and running in minutes with nothing to operate. For organisations that need on-premise deployment, data residency or air-gapped operation, QoinPay Enterprise delivers the same products as self-hosted, perpetually-licensed software you run on your own infrastructure. Same platform, your choice of deployment.
Ready to build on world-class rails?
Integrate with test keys in an afternoon, pass KYC review, and go live globally.