QR merchant payments
An intuitive acceptance concept: the merchant enters an amount and scans the customer’s QR code.
THE ORIZON ECOSYSTEM / PAYMENT TECHNOLOGY
A simpler way to accept payments.
ORIZON Pay is QOGNITIV’s evolving merchant payment technology initiative, connecting QR acceptance, secure contactless experiences, and server-authorized payment processing.
TERMINAL & NFC CARD — PROTOTYPE DEVELOPMENT
PAYMENT EXPERIENCESCONCEPT / 01
ORIZON PAYContactless concept
ORIZON PAY
Amount to collect
5,000
XAF
Scan QR or tap card
QRNFCONLINE AUTHORIZATION
01 / CAPABILITIES
Designed for the moment of payment.
A connected approach to merchant acceptance, backed by QOGNITIV's financial technology engineering expertise.
Secure contactless
A secure NFC card and reader experience being developed for convenient small-value purchases.
Online authorization
The payment processor verifies and authorizes transactions server-side rather than relying on offline card balances.
Connected merchant devices
A dedicated merchant terminal concept with integrated cellular connectivity for communicating with the payment platform.
02 / TRANSACTION FLOW
Simple at the counter. Controlled by the platform.
A conceptual online-only flow for a merchant payment. The central processor makes the authorization decision.
01
Enter amount
Merchant enters the purchase amount on the terminal.
02
Present credential
Customer presents a QR code or taps a supported secure NFC card.
03
Request authorization
The connected terminal sends the transaction to the payment processor.
04
Receive result
The processor authorizes or declines; the terminal displays the outcome.
Architecture illustration; final workflows and security controls remain subject to implementation and testing.
03 / PRODUCT ROADMAP
Software and hardware, working together.
Payment processing platform
Architecture & integrationOnline authorization and transaction orchestration.
ORIZON Pay Terminal
Prototype developmentMerchant keypad, QR reader, NFC interface, integrated cellular connectivity.
ORIZON Pay Card
Prototype developmentSecure NFC credentials for low-value contactless payment experiences.
04 / COLLABORATE
Build the next payment experience with us.
Talk to QOGNITIV about merchant acceptance, financial integrations, and ORIZON Pay development partnerships.