Merchant QR vs ePocket Pay

The Merchant QR is a mobile application by Halyk Bank intended for point of sales, that receives QR payments. With QR code payments point of sales is able to receive cashless payments from customers in-store, on delivery or remotely through social and messenger apps. Merchant QR features: – quick notifications after every transaction – search in transactions history – transaction properties – summaries by day – refund of payment (either full or partial) In order to use the Merchant QR, point of sale must have the payment QR code by Halyk Bank. 1. Install and open the app. 2. Enter the mobile number linked to QR code. 3. Enter the 16-digit number printed on your QR code. 4. Verify your number by code from SMS. 5. Create your 5-digit code for app locking. 6. Done! Start to work. Payment QR codes by Halyk Bank are issued according to the EMV QRCPS standard and can be used for receiving payments from users of any application supporting this standard. At the moment, Visa cardholders can make payments by Halyk Bank QR codes through the Homebank mobile application (Scan & Pay, yellow button). Additional information about payment QR codes by Halyk Bank: halykbank.kz/en/business/payment/qr-platezhi

ePocket – Simple, Affordable, Cashless Payments ePocket is a secure and easy-to-use mobile wallet built for everyday people, informal businesses, and communities. It enables fast, affordable, and cashless transactions using just a cellphone number or QR code—no cards, no long queues, and no complicated banking processes. Designed with townships and rural communities in mind, ePocket makes sending, receiving, and withdrawing money simple, accessible, and low-cost. What You Can Do With ePocket Send Money Send money instantly to friends, family, or anyone with a valid cellphone number or QR code. Request Money Ask for money from any South African number, with an optional purpose or note. Withdraw Cash Cash out through Money Agents, Shoprite Money Market, banks (EFT), or PayShap—quickly and conveniently. Top Up Your Wallet Add money via Money Agents, Spaza shops, EFT, or supported banking channels. Pay Bills Pay for services like electricity directly from your ePocket wallet. Scan & Pay Make quick, secure payments at supported merchants using QR code scanning. Merchant Services Accept digital payments easily and grow your business without expensive POS devices. In-App Advertising Promote your business directly to ePocket users at affordable rates. Why Choose ePocket • Low transaction fees • No bank card required • Works with cellphone numbers and QR codes • Built for informal traders and communities • Secure and regulated platform • Fast and easy onboarding Security & Trust Your security matters. ePocket uses encrypted transactions, PIN protection, and strict verification processes to keep your money safe. User verification (KYC) helps protect against fraud and ensures a trusted payment environment. Who Is ePocket For? • Individuals sending or receiving money • Informal traders and small businesses • Spaza shops and local merchants • Communities needing affordable cashless payments Whether you are buying bread, paying a merchant, sending money to family, or running a small business, ePocket gives you control of your money—anytime, anywhere. Download ePocket today and experience simple, affordable, cashless transactions made for everyday life.