Pay securely fromyour phone. 100% Free.
No app downloads. No hidden convenience fees. We don't charge you a cent to pay your favorite merchants.
You pay exactly what's on the bill. Not a rupee more.
Have you ever tried to pay online and suddenly seen a 'convenience fee' added at checkout? Not with QChatPay. The merchant covers the transaction cost, meaning your payment is always free.
No App Needed
Save your phone's storage. Pay directly from the secure web link sent to you by the merchant.
No Top-Ups Required
Link your bank account once, and money is drawn directly when you pay. No need to pre-load a wallet.
Universal Acceptance
Look for the QChatPay or LankaQR logo at over 400,000 merchants across Sri Lanka.
Setup once. Pay in seconds forever.
We designed QChatPay to be so simple, anyone can use it. Your first payment takes about two minutes. Every payment after that takes less than 15 seconds.
Receive the Link
Click the secure payment link sent via SMS, WhatsApp, or Email by the merchant.
Verify It's You
Enter the secure OTP (One-Time Password) sent to your mobile number to ensure nobody else is using your account.
Connect Your Bank
Securely link your preferred bank account or debit card. We support all major Sri Lankan banks. (One-Time Only)
Confirm Payment
Review the total amount and click 'Pay'. The merchant is instantly notified.
At a shop? Just scan and pay.
You don't need a payment link to use QChatPay. If you see a QChatPay QR code—or ANY of the 400,000+ LankaQR codes across Sri Lanka—simply visit our website and click 'Scan QR'. Your camera will open, and you can pay instantly without downloading an app.
Open Web Scanner NowBank-level security. Without the bank visits.
We take your financial security as seriously as your bank does. Here is how we protect your money and your data.
Zero Password Storage
We never ask for, see, or store your bank login passwords. Your connection is authenticated directly with your bank.
CBSL Registered & Compliant
QChatPay is officially registered and regulated by the Central Bank of Sri Lanka (Reg No. [X]), operating under strict financial guidelines.
Military-Grade Encryption
Every transaction is encrypted using 256-bit SSL technology, the same standard used by global financial institutions.
Seylan Bank Partnership
Our settlement infrastructure is backed by Seylan Bank, ensuring your payments are routed safely through the national financial grid.
Common Questions.
Ready to make your first payment?
Join millions of Sri Lankans experiencing truly frictionless payments.