Don't just buy it. Masterpass it.

Introducing Masterpass™ QR

Harnessing the power of mobile technology, Masterpass QR is a new payment solution that allows consumers to pay for goods and services using mobile phones at merchant outlets. Masterpass QR is secure, smart and easy, providing a cost-effective alternative to cash payments. Now available in many African markets, Masterpass QR uses your own bank’s mobile banking application to allow you to make payments securely from your bank account.

Use Facebook Messenger to sign up your business for accepting Masterpass QR payments

It takes a few easy steps to enroll as a merchant to accept Masterpass QR payments 

How to get started: 


Search for Masterpass QR bot on Facebook Messenger


Say “Hello” to start chatting and follow the process


Receive your QR code in Facebook Messenger


Save QR code on your mobile, share it with your customers or print and display it in your store

Your customers will be able to pay by scanning the code from their smartphone or by entering your merchant ID into their feature phone.

In addition, get 1 year free listing for your business on Vconnect, Nigeria’s leading online business listing service.

Enroll Now

Using Masterpass QR is as simple as 1-2-3

Masterpass QR is the safe, simple and smart new payment solution that allows you to pay for goods and services using mobile phones at merchant outlets. Simply scan the merchant QR code with your banking app to make payments in 3 easy steps.


Scan the QR code


Enter the amount


Followed by your PIN

Download your mobile banking app now to use Masterpass

If you are using a feature phone, you can dial or text your bank’s mobile banking code (example: *123#) and follow instructions to pay merchant as per your bank’s menu options.


Q: What is Masterpass QR?

A: Masterpass QR is a mobile payment and acceptance solution that gives you a simple, secure way to pay via near real-time access to your existing bank account.

You will initiate the transaction flow from your device by scanning the Quick Response (QR) code displayed at merchant checkout.

It is meant to replicate a cash transaction experience: the transaction happens seamlessly and quickly, both parties exchange value in near real-time and the merchant has immediate access to their funds.

Q: How does Masterpass QR work?

A: Simple Consumer Journey

Step 1:Consumer launches Masterpass QR in mobile banking app

Step 2 & 3:Consumer selects QR reader to initiate transaction; Launches QR scanner and scans (There is the option to enter a Merchant ID code if QR code doesn’t scan)

Step 4 & 5:Consumer keys in transaction amount and confirms payment

Step 6:Consumer enters PIN to validate payment

Step 7:Transaction complete; Both consumer and merchant receive notification of sale

Q: Why should I use Masterpass QR?

A: There are many benefits to Masterpass QR payments:

  • Simple mobile solution
  • Non-cash alternative
  • Greater protection from fraudulent activity and safer than carrying cash

Q: Where can I make Masterpass QR payments?

A: You can initiate a Masterpass QR payment by scanning the QR Code or entering the Merchant ID anywhere you see the Masterpass QR acceptance brand.

Q: How will purchases appear on my monthly statement?

A: Purchases made with Masterpass QR will be displayed on your statement just like any other purchase you make with a card.

Q: Is it safe?

A: Yes.

  • You are in control – you initiate the payment to the merchant by scanning the QR code and your mobile device never leaves your hands to make a payment.
  • No accidental payments – You must confirm the transaction amount and authorize the payment.
  • You will receive a notification confirming the merchant upon successful completion of the payment.

Q: How is Masterpass QR different than Masterpass?

A: Masterpass QR currently offers consumers a different payment functionality with the QR Code.

The QR scanning is a feature that resides in the financial institution’s mobile app, and not in a merchant or third party app/wallet.

Q: What are the costs associated with implementing Masterpass QR?

A: Masterpass QR uses the same pricing model as traditional electronic payments. Mastercard’s regional Market Development teams can provide more details on pricing.