OxiPay · Oxygen for Merchants

Get paid with QR & save a lot.

An interoperable QR code payment solution — QR-enabled merchant + eWallet, an innovative solution for digital payments.

Free MDR
Lowest in the market
Instant
Funds settlement
10 min
Merchant onboarding
Big Savings on MDR

Free MDR — the lowest in the market

Standard market norms cost merchants 2.5% to 3% on every transaction. OxiPay offers Free or 0.5% MDR — the lowest in the market, depending on the package you select.

That's real money back in your pocket on every single sale — no hidden charges, no surprises.

Standard Market MDR2.5% – 3%
OxiPay (Standard Package)0.5%
OxiPay (Free Package)0%
How OxiPay Works

One simple QR connects everyone

Merchants and customers, linked across any bank or mobile wallet.

For Merchants

One QR. Every payment.

  • 1 QR code per merchant — connected to your bank account or MFS (Easypaisa, JazzCash, etc.), and you can switch between them anytime.
  • Instant notifications — receive SMS, email, and app alerts the moment a payment is made.
  • Interoperable by design — accept payments from any bank or any wallet with a single QR.
For Customers

Scan. Enter amount. Done.

  • Pay with the mobile app — scan the merchant's QR code, enter the amount, and you're done.
  • Easy wallet top-up — load your wallet directly from your bank account or cards.
  • Rewards on every transaction — earn while you pay.
Best Bit

Why is OxiPay worth choosing?

Instant setup for merchants compared to POS — none of the usual headaches.

Instant Setup

Get started in minutes — no lengthy POS installation, no waiting weeks for hardware.

🛡️

No Security Deposit

Zero upfront security, zero maintenance costs — start accepting payments without barriers.

🧠

No Technical Knowledge

If you can put up a sticker, you can accept digital payments. It's that simple.

📶

No Network-Down Worries

Unlike POS terminals, your QR code never goes offline — payments keep flowing.

🔄

Switch Accounts Anytime

Your QR links to a bank account or mobile wallet — and you can change it whenever you want.

💸

Instant Settlement

Funds land in your account immediately — no waiting days for your money.

For Customers

Download the OxiPay App

Make payments easy with just 1 click — and get rewards on every transaction.

📲

Super Easy Payments

Pay anyone in seconds with your digital wallet — scan, confirm, done.

🏦

Easy Transfers & Withdrawals

Move money effortlessly between the app, your banks, and MFS like Easypaisa and JazzCash.

📊

Control Your Finances

Keep an eye on every transaction you make — all in one place.

Wallet Balance
Rs 24,850.00
SCAN TO PAY · MERCHANT QR
Karachi Mart− Rs 1,250
Cashback Reward+ Rs 25

Ready to start accepting
QR payments?

Onboard in 10 minutes. No hardware, no deposit, no MDR eating your margins.

Become a Merchant Back to Home