ComBank upgrades ‘ComBank Q+’ Payment App with biometric login and other features

The Commercial Bank of Ceylon has announced an upgrade of both the Consumer and Merchant applications of the ComBank Q+ Payment App, with features including biometric authentication login for both applications and merchant self-registration.

ComBank Q+ was the first Quick Response (QR) based payment App to be activated under LANKAQR standards when it was launched by Commercial Bank last year.

With this latest upgrade, ComBank Q+ merchants have the option of integrating online QR acceptance to their websites to accept online payments. Furthermore, with the addition of more than 500 Q+ acceptance outlets around the island, this technology continues to add convenience to the lives of customers, the Bank said.

The ComBank Q+ Payment App enables Commercial Bank Credit and Debit Card holders to experience the ease of paying for purchases via their mobile phones in a simple and secure manner. Payment via ComBank Q+ App is a hassle-free alternative for making and receiving payments for cardholders and vendors, taking them to the next dimension of payment options.

As far as customers are concerned, making a payment for a product or a service is as simple and as convenient as scanning the vendor’s QR code with their mobile phones and selecting one of their registered Commercial Bank cards to make the payment. Apart from saving them the hassle of signing slips and even standing in long queues for payment, this Payment App ensures that the card will stay with the cardholder, minimising the possibilities of card losses and card theft. This encourages use of paperless-banking features such as digital receipts and in-app alerts. The Payment App is also more secure than a normal card since the user inputs the PIN and requests authorisation of the payment.

Customers can add their ComBank Visa and Mastercard cards to the ComBank Q+ Payment App, enabling them to perform LankaPay, mVisa and Mastercard QR transactions. A maximum of five cards can be registered for this service. ComBank Q+ is the only Payment App which supports LankaPay, mVisa and Mastercard QR as an issuer and an acquirer.

The ComBank Q+ Payment App was developed based on interoperable standards, facilitating functionality in overseas locations as well.

The ComBank Q+ merchant application supports both static and dynamic QRs, bringing more convenience to merchants and cardholders. The application is designed to receive payments when the respective QR codes of merchants are scanned by customers at the points of sale.

Book stores, coffee shops, restaurants, fashion retailers, florists, groceries and supermarkets, IT equipment retailers, laundry services, lodging, pharmacies, and hospitals, photographic studios and salons are a few categories of merchants that use the ComBank Q+ Merchant App. Commercial Bank’s Q+ solution has a unique proposition for large billers, where the Bank provides a Software Development Kit (SDK) to be used for bill printing which will enable the biller to place a unique QR code on each bill covering the biller details, specific consumer reference and the bill value. Any consumer application that supports LANKAQR can scan this QR code and process payments. The Bank updates the biller real time on the payments made.

Merchants can self-register via the App using e-documents. They simply have to download the ComBank Q+ Merchant App from Google Play or App Store, fill the form electronically and get registered as ComBank Q+ merchants.

Commercial Bank QR will also be the first LANKA QR based QR to be accepted in a digital POS where both QR and card-based payments are possible.