Government · QCollect

Every naira of revenue,
every channel, one ledger.

Revenue collection for federal, state and local government. Whether the citizen pays online, at a bank branch, over USSD or to a field agent in a market, QCollect issues the bill, records the payment and reconciles the revenue — leak-free, in real time.

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Collection channels

Tiers of government

Daily

Treasury reconciliation

Tolerated leakage

Capabilities

Purpose-built for public revenue.

A complete collections surface for government — revenue heads, bank-quotable references, every payment channel and daily reconciliation — under one platform the auditor-general can trust.

MDAs & revenue heads

Model every ministry, department and agency with its own revenue heads and fee schedules. Each payment lands against the correct head automatically — no coding at the counter.

Bank-quotable bill references

Every assessment generates a unique reference the payer can quote at any bank branch, USSD menu or checkout. One number follows the bill from issuance to receipt.

Every channel, online and off

Web checkout, POS terminals, USSD short codes, bank-branch tellers and accredited field agents all collect against the same bill — the citizen pays wherever is nearest.

Claimed government gateways

Government-owned processors plug in as claimed gateways, keeping public revenue on government rails — while QCollect provides the platform above them and QPay settles every native rail.

Automated reconciliation

Every channel's collections reconcile daily against bank statements and gateway reports, flagging matched and mismatched entries so treasury closes its books with confidence.

Receipts & audit trail

Instant digital receipts with verifiable references for every payment, plus an immutable audit log of who collected what, where and when — built for auditors-general.

Online and offline

Collect wherever the citizen already is.

One bill reference resolves across every channel — so the payer never has to be online, and the treasury still sees every kobo in the same live ledger.

Web checkoutPOS terminals USSDBank branch Field agents

Built for treasury

Every control an auditor-general expects.

QCollect closes the gaps where public revenue leaks — from assessment to bank sweep, every step is referenced, receipted and reconciled.

✓Revenue-head mappingPayments auto-post to the correct MDA revenue head — no counter coding.
✓Daily reconciliationChannel collections matched to bank statements and gateway reports every day.
✓Immutable audit logWho collected what, where and when — tamper-evident and exportable.

Treasury sweeps Verifiable receipts Claimed gateways

Collections API

Raise a bank-quotable bill in one call.

POST an assessment against a revenue head and QCollect returns a unique reference and a hosted pay_url — the same number the citizen can quote at any bank, POS or USSD menu. Amounts are integer minor units.

Idempotent references Fixed & variable heads Verbose validation errors

Read the API reference →

POST /api/v1/collections/bills
Authorization: Bearer sk_live_•••••
Content-Type: application/json

{
  "revenue_head_id": 42,
  "payer_name": "Adaeze Okonkwo",
  "amount": 1500000
}

→ 201 Created
{
  "status": true,
  "data": {
    "bill_reference": "QC-2026-0815-77213",
    "amount": 1500000,
    "currency": "NGN",
    "status": "pending",
    "pay_url": "https://qoinpay.com/qcollect/bill/QC-2026-0815-77213"
  }
}

How it works

From assessment to treasury in three steps.

Bill is raised

An MDA officer — or an integrated tax system — creates the assessment. QCollect issues the bank-quotable reference instantly.

Citizen pays anywhere

Online, POS, USSD, bank branch or field agent — the reference resolves the bill and the channel records the payment in real time.

Revenue reconciles

Funds sweep to designated treasury accounts and the ledger reconciles every kobo to its revenue head, daily.

The full control set

Referenced, receipted and reconciled — end to end.

Every gap where public revenue traditionally leaks, closed by design.

✓Unique bill referencesOne quotable number per assessment, valid across every channel and bank.

✓Revenue-head mappingPayments auto-post to the correct MDA revenue head — no counter coding.

✓Daily reconciliationChannel collections matched to bank statements and gateway reports every day.

✓Immutable audit logWho collected what, where and when — tamper-evident and exportable.

✓Treasury sweepsFunds route automatically to designated government accounts on schedule.

✓Verifiable receiptsEvery payer receives an instant digital receipt with a checkable reference.

✓Claimed government gatewaysState-owned processors keep public volume on public rails.

✓Offline & agent collectionUSSD, tellers and field agents post to the same live ledger.

Collection channels

Tiers of government

Daily

Treasury reconciliation

Tolerated leakage

Works with

Backed by the full QoinPay stack.

QCollect stands on the same rails as the rest of the suite — the gateway that accepts, the orchestration that routes and the risk screening that protects every collection.

Acquiring

QGate

Global payment gateway

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 Acquiring

QRoute

Intelligent payment orchestration

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 Risk

QShield

Fraud & risk management

Rules-based pre-authorization screening: velocity checks, thresholds, blacklists and geo signals — flag or block before money moves.

Explore QShield

Digitize revenue

Bring every revenue stream into the light.

Running an MDA or a state IGR program? Create an account to explore the platform, or talk to us about deployment.

Create account Read the docs

Every naira of revenue,every channel, one ledger.