Every revenue stream,
digitized end to end.
QCollect gives federal, state and local government a single view of every naira collected — taxes, levies, fines, permits and fees — whether the citizen pays online, at a bank branch, over USSD, at a POS terminal or to a field agent.
Revenue assurance for the public sector.
The collection engine behind every channel of government revenue — purpose-built to model your MDAs and revenue heads and reconcile every credit back to a bill.
One credit, matched to a bill.
Meet citizens where they already pay.
Every channel resolves to the same bank-quotable bill reference, so a payment started online can be completed offline — and every kobo lands in the same reconciliation.
Online
Hosted checkout with cards, bank transfer, virtual accounts and QR — receipts issued instantly.
USSD
Feature-phone payments against a bill reference — no smartphone, no data plan required.
Bank branch & POS
Tellers and agents quote the bill reference; QCollect matches the credit automatically.
Field agents
Authorized collectors record cash in the field with supervised limits and end-of-day settlement.
Your gateways. Your brand. One roof.
Governments and their concessionaires run their own branded collection gateways on QoinPay rails — each with its own settlement accounts and reporting, reconciled centrally. QPay processes every native rail beneath them.
State revenue gateway
Claimed gatewayA branded collection gateway processing land-use charges, permits and levies — with its own merchant onboarding, settlement schedule and revenue dashboards, operated on QoinPay infrastructure.
Local government gateway
Claimed gatewayA local-government gateway handling market levies, business-premises fees and fines — bringing field-agent and POS collections into the same reconciled ledger as online payments.
Revenue assurance, not just payment acceptance.
Acceptance is the easy part. QCollect closes the gap between what is owed, what is paid and what is reconciled — the discipline treasuries and auditors-general actually need.
MDAs and revenue heads
Model your entire revenue structure — every ministry, department, agency and revenue head — with per-head reporting and settlement splits.
Leak-proof reconciliation
Bank-quotable references mean every credit is matched to a bill, a payer and a revenue head. Unmatched funds surface immediately, not at year end.
Audit-grade records
Immutable receipts, full channel provenance and exportable ledgers — built for auditors-general, not just accountants.
Reconciliation you can present to an audit.
The products behind public-sector collections.
QCollect leads, but it runs on the same rails, orchestration and risk defence that serve banks and merchants — one platform, one integration.
QCollect
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 AcquiringQGate
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 QShieldSee QCollect running on your revenue structure.
Our public-sector team will model your MDAs and revenue heads in a working sandbox and walk your treasury through a live collection cycle.