Merchant Solutions

QR Merchant Accounts

Powering Small Businesses with Easy Digital Payments.

What's a QR Merchant Account?

If you've ever scanned a QR code to pay at a shop, restaurant, or even a street vendor, you've already experienced the future of payments. A QR Merchant Account lets any business accept money directly into their bank account — just by letting customers scan a QR code using their mobile banking app or digital wallet.

It's fast, safe, and cashless. No need for expensive card machines or handling physical money. And for small businesses, it opens the door to more customers and better tracking.

Why QR Matters Now More Than Ever

The adoption of QR payments is accelerating across Pakistan — from street vendors and small retailers to large chain stores. With the country's increasing smartphone penetration and rapid shift toward cashless transactions, QR Merchant Accounts have become a key driver of financial inclusion and digital growth.

Government and financial institutions are also encouraging digital payment ecosystems, making QR codes one of the fastest-growing payment solutions nationwide.

Benefits for Merchants

No Hardware Needed

Accept payments anywhere without investing in hardware.

Instant Settlement

Receive funds in real time, directly into your account.

Low Cost

QR payments are more economical than traditional POS terminals.

Secure & Tracked

Every transaction is authenticated and recorded digitally.

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How It Works – in Simple Terms

Getting paid with a QR Merchant Code is easy! Your business gets a unique QR code. Customers scan it using their mobile banking app, enter the amount, and pay instantly. No card machines, no cash – just quick, secure, and direct payments to your bank account.

Sign Up

Merchant signs up through a bank or partner.

Receiving

They get a personal QR code.

Customers Scan

Customers scan the code and pay using their banking app or wallet.

Online Payment

The money goes directly into the merchant's bank account, instantly.

No machines, no cash, no hassle. Just one scan, and it's done.

What ISTIQEME Brings to the Table

At ISTIQEME, we've been helping banks grow in the digital banking space for years. Now, we're taking that experience to support the rollout of QR Merchant Accounts across Pakistan.

We are proudly working with Faysal Bank Limited for the nationwide expansion of their digital outreach including:

Find and onboard merchants — from retail shops to service providers.

Help with documentation and KYC — making the sign-up process smooth and efficient.

Train merchants — so they know how to use their QR code and build customer trust.

Track everything — through our own custom CRM app that keeps sales transparent and accountable.

Cover more ground — with a trained sales team already operating in Karachi and other key cities.

We're not just talking about going digital — we're out there, doing it.

Let's Build the Future of Payments Together

If you're a bank, EMI, or fintech ready to scale your QR Merchant network, ISTIQEME is ready to be your on-the-ground sales partner.

We know the streets, we understand the merchants, and we have the tools to make onboarding easy — and effective.