Qpay’s interactive voice interface provides flexibility and intuitive responses not available via current menu-driven IVR solutions. The system is easy to use, multilingual, multi-currency applications provide automated 24/7 functionality anywhere, anytime. The currency/payment transfer occurs instantly and the funds are immediately available. Because the system is simple and inexpensive to use, it reduces the overall cost of transfers and offers potential to increase transfer volumes. Accounts take less than 90 seconds to set up and both international and p2p (person to person) transfers can be done in an instant. Transfer record is maintained on the SMS based mini-statement and recipients can verify that they have received the funds.

Third Party Funds Transfer (P2P)

• Simple 1 (transfer to known third party using key code)
• Simple 2 (transfer to external third party using mobile phone id)
• Complex (full third party funds transfer)
• Local and International funds transfer