Compliance

QRPayLink itself is a technology platform — we do not hold customer funds. Payments are processed and settled by Paystack, which is:

• Licensed by the Central Bank of Nigeria (CBN) as a Switching and Payment Processing company.
• Licensed by the Bank of Ghana as an Enhanced Payment Service Provider.
• Certified PCI-DSS Level 1 — the highest level for handling card data.
• A member of major card schemes (Visa, Mastercard, Verve) and a partner with leading Ghanaian and Nigerian commercial banks.

This means that every QRPayLink transaction flows through a fully regulated rail with all the consumer-protection and AML safeguards prescribed by Ghanaian and Nigerian financial regulators.

• 🇬🇭 Ghana — full support for cards, bank transfers, USSD and mobile money (MTN MoMo, Vodafone Cash, AirtelTigo).
• 🇳🇬 Nigeria — full support for cards (Visa, Mastercard, Verve), bank transfers and USSD.

We are evaluating Kenya, South Africa and Côte d’Ivoire as our next markets.

• GHS — Ghanaian Cedi (default for Ghanaian merchants).
• NGN — Nigerian Naira (default for Nigerian merchants).
• USD — accepted via international Visa / Mastercard, subject to FX charges by the customer’s bank.

Every merchant must complete identity and business verification before going live. We collect:

• Government-issued ID: Ghana Card / Passport (Ghana); NIN / National ID / Passport (Nigeria).
• Live selfie matched to the ID.
• Business profile: legal business name, type, country, settlement bank account or mobile-money number.
• Where applicable: business registration (Ghana TIN, Nigerian CAC/TIN).

Submissions are reviewed within 24 hours. Higher-volume merchants receive Enhanced Due Diligence (EDD) including beneficial-ownership verification and source-of-funds checks. See our AML Policy for the full procedure.

• Funds settle from Paystack directly to the merchant’s registered bank account on a T+2 cycle (two working days).
• Optional instant mobile-money payout (Ghana) adds a 1% surcharge on top of the 3.5% platform fee.
• Merchants must withdraw only to a bank account or wallet that matches the verified business name.
• Withdrawals are unavailable while KYC is pending or rejected.

We operate a full AML / Combating-the-Financing-of-Terrorism programme, including transaction monitoring, sanctions screening, suspicious activity reporting and staff training. Read our AML Policy for details.

QRPayLink cooperates fully with:

• The Bank of Ghana and the Financial Intelligence Centre (FIC) of Ghana.
• The Central Bank of Nigeria (CBN), the Nigerian Financial Intelligence Unit (NFIU) and the EFCC.
• The Economic and Financial Crimes Commission (EFCC) and Ghana Police Service on confirmed fraud.
• Tax authorities (GRA, FIRS) on lawful information requests.
• Card schemes (Visa, Mastercard, Verve) and our partner banks.

We respond to court orders, subpoenas and lawful regulatory requests promptly.

We comply with Ghana’s Data Protection Act 2012 (Act 843) and Nigeria’s NDPR / Nigeria Data Protection Act 2023. Personal data is processed only for the purposes set out in our Privacy Policy, with appropriate technical and organisational safeguards.

QRPayLink integrates directly with the following regulated payment providers and rails:

• Paystack — primary payment processor for Ghana and Nigeria (cards, bank, USSD, MoMo).
• MTN Mobile Money, Vodafone Cash, AirtelTigo Money — Ghana mobile-money rails (via Paystack).
• Visa, Mastercard, Verve — card schemes.

We do not partner with unlicensed money-service businesses or unregulated remittance corridors.

Merchants and beneficiary accounts are screened against UN, OFAC, EU, HM Treasury and ECOWAS sanctions lists at onboarding and continuously thereafter. Confirmed matches result in account suspension and regulatory reporting.

Merchants are solely responsible for tax obligations on the income received through QRPayLink (VAT/NHIL, income tax, levies). We provide downloadable transaction histories to support your bookkeeping. Where required by law we may share aggregate data with the Ghana Revenue Authority (GRA) or the Federal Inland Revenue Service (FIRS).

Regulatory enquiries: compliance@qrpaylink.com. General support: support@qrpaylink.com.