CBQ Mobile vs Qatar Pay

Commercial Bank Mobile Banking Services ******************************************************************** Commercial Bank Mobile Banking offers customers quick access to their bank accounts, loans and credit cards. Available 24/7, allows you to check balances, pay bills and transfer money between own accounts and to local banks. Provides flexibility to transfer funds internationally within 60 seconds and supports faster remittances to over 40 countries. AROUND THE CLOCK, AROUND THE GLOBE ---------------------------------------------------- Get instant access to your accounts through your mobile phone whenever and wherever you choose. FULLY SECURE ------------------- Commercial Bank Mobile Banking uses state of the art security measures. We have added new security measures in the app’s latest version in line with Qatar Central Bank’s regulations. For our users’ convenience, we have provided an option on screen to enter a mobile number if they have trouble receiving the SMS, this can be an international number. The new CBsafe ID feature introduced within the Mobile App provides additional security protecting customers from fraudulent calls. Using the CBQ Mobile App, you will be able to identify legitimate calls from the Bank, ensure caller authenticity and reduce the chances of fraudsters gaining access to your information. FEATURES -------------- * Register for fingerprint/ face ID * View your account balances and transactions * Check your credit card and loan balances * Customise your main dashboard and personalise your account and card names *Open additional accounts in various currencies *Subscribe to e-statements *Enable Voice activation *Manage Font settings *Early loan settlement *Generate IBAN letters and Digitally Signed Statements *60 second funds transfer including Faster remittances to over 40 countries that includes bank account transfers, wallet transfers and instant cash pickup services * Pay your credit cards bills * Enquire & Pay your Ooredoo and Vodafone bills online * Purchase Ooredoo and Vodafone prepaid services (Hala Topups, Hala vouchers etc.) * Pay your Merchant bills (Schools, Clubs, Insurance, and many more…) * Perform Merchant payments using QR Codes including P2M payments. * Mobile Payment Request - Request payment from another CB customer *Make Charity payments * Pay Kahramaa and Qatar Cool bills *Setup Apple Pay and perform card tokenization for Tap n Pay * Setup standing orders * Send an e-gift – Surprise your friends and family with an e-gift on special occasions * Mobile cash – Send cash to any mobile number within Qatar and withdraw the funds from any CB ATM without using an ATM card. *mPay services – Perform P2P and P2M payments instantly * Dispute credit or debit transactions * Update your personal profile *Buy now pay later – Convert your credit card transactions to instalments * Create new PIN for your debit and credit cards * Activate, Block your cards temporary and permanently * Cash advance from credit card - transfer money from your credit card to your account * Share IBAN with family and friends *Import QR code to quickly create beneficiaries for local transfers * Manage transfer limits - increase or decrease your daily online limits within local banks, between CB accounts and within your own accounts. *View credit card pend pattern *Redeem your reward points instantly *Setup your online travel plan * Locate CB card offers near you using augmented reality *Household Services – create a new PayCard account for your employee, transfer their salary and transfer funds directly from your account to your employee’s beneficiary. *Add mobile numbers of your add-on card holders Commercial Bank website: www.cbq.qa Write to us: Digital@cbq.qa

Qatar Pay Mobile Application Overview Qatar Pay is a comprehensive mobile application designed to empower both local and international merchants and businesses in Qatar by providing a unified platform to host their products and services. With a secure and safe single login, merchants can effortlessly connect with their customers, streamline payments, and manage their business operations efficiently. Key Features 1.⁠ ⁠Unified Merchant Hosting: - Merchants can showcase their businesses and products in one integrated suite. - Customers can access all their favorite stores with a single press. 2.⁠ ⁠Automated Payments: - Support for stored payment cards, Apple Pay, and Google Pay. - Ability to store billing credentials for automatic monthly settlements. - Notifications for customers about any billing discrepancies (e.g., phone bills, Kahramaa bills, Qatar Cool bills). 3.⁠ ⁠Graphical Spenditure Planner: - Visual representation of monthly, weekly, and daily spending. - Categorized expenditure tracking to help manage finances better. 4.⁠ ⁠Invoice and Payment Links: - Merchants can send payment links with invoices for easy collections. - Option to build multi-stores and send links for customers to select and pay for delivery. 5.⁠ ⁠Submerchant Accounts: - Partial submerchant accounts for QR and NFC payment POS operations. - Ensures privacy and security under each merchant account. 6.⁠ ⁠Tool Library: - A resourceful library for customers and merchants to advertise job opportunities and search for jobs. - User-friendly cloud and subscription management tools. 7.⁠ ⁠Safe Archive Library: - Secure storage for user data, including copies of contracts, passports, and IDs. - Storage of bank account details and debit/credit card information. - Easy sharing of stored data via various media channels. 8.⁠ ⁠Noqoody Payment Gateway: - Instant subscription to Noqoody Payment Gateway. - Enables merchants to publish their stores with an official payment gateway over the internet. Benefits for Merchants •⁠ ⁠Increased Reach: Host your business on a platform accessible to a wide range of customers. •⁠ ⁠Enhanced Efficiency: Automate payment processes and manage billing effortlessly. •⁠ ⁠Financial Management: Track and analyze spending with advanced graphical tools. •⁠ ⁠Security: Benefit from a secure and private platform for all business transactions. •⁠ ⁠Convenience: Simplified processes for invoicing, payment collection, and store management. •⁠ ⁠Resource Availability: Access a library of tools and resources for business growth and job opportunities. Qatar Pay is more than just a payment app; it’s a complete business management tool designed to meet the needs of modern merchants and their customers.