Nigerian commercial bank, Access Bank has released a mobile payments application and infrastructure that allows users make payment via generated QR code, PayWithCapture.

With PayWithCapture, users can scan a QR code via phone camera at a merchants point of sale, as an alternative to paying via cards on POS terminals.

The service is in the same contactless payment cult as  PayAttitude that was launched by Unified Payments, a shared payments infrastructure for Nigerian commercial banks, in May. But this seems more streamlined with payments enabled sans NFC tags and limitations brought on by complementary bank accounts with participating banks.

The service allows for multiple payment channel linkage for the typical multi-banked Nigerian. A user can register more than one card/account on the app and can navigate the payment as desired by selecting a single card/account to pay with, or spread a payment across multiple cards and also sports an offline capability via encrypted background USSD and SMS that can obviate transaction breakdown due to network downtime.

According to the bank, the application also works with the beacon technology and NFC that prompts a user to pay without contact once the user is in merchant’s location that supports PayWithCapture.

“This is a massive step forward in ambient context identification, as beacons allow for background positioning and detection,” the company says.

The company is touting a streamlined marketing drive that can leverage the PayWithCapture beacon and NFC technology such as personalized content and advertising.

PayWithCapture has launched a number of merchants as pilot partners. They are:

  • SPAR
  • Dominos
  • Coldstone
  • Traclist
  • Sweet Sensation
  • Easy Taxi
  • SLOT
  • Bungalows Restaurant
  • Debonairs
  • Spice Route
  • The Elevation Church
  • Harvesters International Christian Center
  • Sweet Kiwi
  • LG
  • Debrasgrace
  • Dealdey
  • Zippy Logistics
  • Supermart
  • Payporte
  • Arik
  • Airfrance/KLM
  • Tripican
  • Medplus

Update: [12:44pm] This piece has been updated to include some of the merchants partnering PayWithCapture.

Image via: Christoph Braun (Own work) [CC0], via Wikimedia Commons

Read this next
More From TC

One landmark acquisition, several funding rounds and meaningful expansions have drawn attention to Nigeria’s potential to become an enabling environment for businesses. Nigerian tech startups are raising larger seed rounds and pursuing unique global ambitions than at any other time in the last decade. But in the last 18 months, major regulatory events that ended […]

According to a World Health Organisation (WHO) study, if a person inhales smoke while cooking breakfast, lunch and dinner, it is equivalent to smoking between three and 20 packets of cigarettes a day. Over half of the world’s population still cooks over open fires. In Nigeria, it’s worse as only 10 million have access to […]

My Life In Tech is telling the stories of Africans making a difference in the world of tech. At the end of our conversation, I learned two things about the man. He wants more people to have access to financial services regardless of what form of financing they currently have.  And he really loves to […]

TechCabal is a Big Cabal Media brand

Copyright © 2013 - 2021
All rights reserved

Privacy & Terms