QNBpay – Empowering SMEs Through Unified, All-Bank Digital Payment Enablement

QNBpay is an innovative payment solutions platform that enables businesses to accept installment payments from all banks with a single POS. With integrations across 9 card families and 14 bank, it removes the need for separate agreements and fragmented systems. Its renewed user-friendly panel and mobile app let SMEs manage payments, refunds, and reporting from one screen.

Briefly describe the nominated organization: history and past performance (up to 1,250 characters):

QNBpay is a next-generation payment solutions provider built to simplify and digitalize payment operations for SMEs across Türkiye. Operating in a market where installment payments are essential for customer satisfaction and sales, QNBpay addresses one of the biggest pain points for businesses. Traditionally, merchants must sign separate agreements with every bank, manage different pricing structures, and track accounting across multiple POS systems-an operationally heavy and time-consuming process.

QNBpay eliminates this complexity by enabling installment acceptance from all banks through a single POS and a single contract, offering unprecedented simplicity and efficiency for SMEs.

The company provides a unified platform covering Physical POS, Virtual POS, Digital POS, and Link POS, allowing businesses to manage all payments, refunds, reporting, and stored customer cards from one centralized interface.

QNBpay has also played a major role in digitizing traditionally offline merchants: prior data shows that 45% of panel users previously relied only on physical POS devices, demonstrating QNBpay's direct contribution to accelerating SME digital transformation.

QNBpay received its official payment institution license on June 26, 2024, solidifying its regulatory maturity and supporting its rapid market adoption.

Outline the organization's achievements since July 1, 2023 that you wish to bring to the judges' attention (up to 1,500 characters):

The achievements listed in this section represent QNBpay's performance over the past 12 months, highlighting a period of accelerated adoption and significant operational progress.

• Massive Merchant Growth: Active merchants increased by 130%, rising [REDACTED FOR PUBLICATION] following the release of the redesigned panel and mobile app.
• Transaction Volume Acceleration: Monthly card receivable (CR) volume grew [REDACTED FOR PUBLICATION] 167% [REDACTED FOR PUBLICATION] driven by enhanced digital adoption and operational efficiency.
• Complete Platform Redesign: QNBpay launched a modern, intuitive, mobile-first panel that enables SMEs to manage all POS types-Physical, Virtual, Digital, and Link-from a single platform.
• Digitalization of Traditional Merchants: 45% of new panel users previously relied solely on Physical POS devices, demonstrating QNBpay's role in transforming traditional merchants into digital-ready operators.
• Customer Experience Excellence: NPS increased from 54% to 72%, while CSAT reached 100% following the platform redesign and improved user experience.
• Market Recognition: QNBpay was selected as a finalist in two categories at Türkiye's prestigious Altın Örümcek Awards-Finance & Fintech and Mobile Application / Finance & Fintech.
• Regulatory Milestone: Successfully obtained payment institution licensing, enabling broader product capabilities, higher compliance standards, and increased institutional trust.

Explain why the achievements you have highlighted are unique or significant. If possible compare the achievements to the performance of other players in your industry and/or to the organization's past performance (up to 1,500 characters):

QNBpay's achievements are unique because they address a major operational challenge for SMEs in Turkey. Typically, businesses must negotiate separate agreements with each bank to offer installment payments, tracking pricing, commissions, and settlements individually. QNBpay eliminates this complexity by consolidating all major banks into a single POS solution, enabling merchants to manage all POS products-Physical, Virtual, Digital, and Link-through a single, unified panel.

What sets QNBpay apart is its user-friendly and flexible interface. Merchants can simulate pricing versus earnings, reflect desired installment plans and interest rates to customers, manage payments, refunds, and partial refunds effortlessly, and access comprehensive dashboards and reports to monitor transaction status, turnover, and volumes. Payment links and digital POS options further enable remote, fast, and convenient collection.

The combination of ease of use, operational flexibility, and all-in-one platform ensures SMEs can digitally transform their payment operations efficiently. Features like consolidated POS management, fast refunds, partial refund handling, and intuitive financial reporting distinguish QNBpay from competitors, delivering measurable impact on merchant adoption, satisfaction, and operational efficiency in Turkey.

Reference any attachments of supporting materials throughout this nomination and how they provide evidence of the claims you have made in this nomination (up to 1,500 characters):

This nomination is supported by multiple sources demonstrating QNBpay's product innovation, market impact, and customer satisfaction:

1. Official Regulatory Approval: QNBpay obtained its payment institution license on June 26, 2024, confirming compliance and operational capability. Link
2. Internal Performance Reports: n one year, active merchant users grew 130% [REDACTED FOR PUBLICATION], and monthly transaction volume rose 167% [REDACTED FOR PUBLICATION]. After the panel redesign, NPS improved from 54% to 72% and CSAT reached 100%, validating platform adoption, usability, and customer satisfaction.
3. Customer Testimonials: Feedback collected from merchant surveys and customer experience calls confirms that the panel is intuitive, practical, and facilitates management of all bank transactions via a single POS.
4. Web Resources & Product Documentation: Product pages, blog posts, and campaign materials highlight Digital POS, Link POS, mobile app features, and remote payment capabilities (qnbpay.com.tr).
5. Visual Evidence: Screenshots of dashboards, transaction histories, and reporting features demonstrate the simplicity, efficiency, and accessibility of the platform.

Additional Recognition: QNBpay's innovation and impact have been acknowledged in Turkey's top awards. The company reached the finals in two categories at the prestigious Altın Örümcek Awards: Finance & Fintech and Mobile Application / Finance & Fintech. Finalists link

These supporting materials collectively substantiate claims regarding QNBpay's innovation, operational efficiency, flexibility, and measurable business impact on SMEs. They provide evidence of tangible market adoption, user satisfaction, and the transformative effect of the redesigned panel and mobile app on SME payment operations.