# PAMP QR Commerce PAMP QR Commerce bridges the gap between physical retail and digital commerce across Africa. By generating unique QR codes for merchants, products, and payment points, the platform enables offline-to-online (O2O) transactions — allowing customers to scan a QR code at a physical store, market stall, or product display to instantly view product details, make payments, and complete purchases through the PAMP ecosystem. In markets where card terminal penetration is low but smartphone adoption is rising rapidly, QR-based payments represent the fastest path to merchant digitization. PAMP QR Commerce turns every printed QR code into a digital storefront and payment terminal. ## Business Model PAMP QR Commerce operates a **hybrid transaction fee + SaaS model**: - **Transaction Fee**: 1.5% per QR-initiated payment (processed via PAMP Pay) - **Merchant SaaS**: $10/month for the QR management dashboard, analytics, and multi-location support - **QR Material Sales**: Physical QR code stands, stickers, and table tents sold at cost-plus margin - **Premium Features**: Dynamic QR codes (updatable product/price), campaign QR codes with tracking, bulk QR generation - **Data Revenue**: Anonymized foot traffic and transaction pattern data for location intelligence (via Zoned integration) (Customer Phone)"] LANDING["Product / Store
Landing Page"] CART["Cart & Checkout"] PAYMENT["Payment
(PAMP Pay)"] end subgraph "Merchant Tools" DASH["QR Dashboard"] GEN["QR Generator"] TRACK["Scan Analytics"] INV["Inventory Sync"] end STORE --> SCAN STALL --> SCAN PRODUCT --> SCAN EVENT --> SCAN SCAN --> LANDING LANDING --> CART CART --> PAYMENT DASH --> GEN DASH --> TRACK DASH --> INV INV --> LANDING style SCAN fill:#3b82f6,stroke:#2563eb,color:#fff style PAYMENT fill:#10b981,stroke:#059669,color:#fff style DASH fill:#8b5cf6,stroke:#7c3aed,color:#fff `} /> ## Total Addressable Market (TAM) ## Pricing Structure ## Operating Model - **QR Generation**: Cloud-based QR code generator supporting static (fixed URL) and dynamic (updatable) codes with PAMP branding - **Payment Processing**: All QR payments routed through PAMP Pay — supports cards, EFT, mobile money, and PAMP Wallet - **Landing Pages**: Auto-generated mobile-optimized product/store pages from merchant catalog data - **Analytics**: Real-time scan tracking, conversion funnel analytics, and heat maps powered by Big Data Cloud and Zoned geofencing - **Inventory Sync**: Bidirectional sync with PAMP Marketplace catalog — products listed online are automatically available via QR - **Offline Capability**: QR codes work without internet on the merchant side; customer needs data connection to complete payment ## Regulatory Notes | Market | Key Regulatory Considerations | |--------|-------------------------------| | South Africa | PASA (Payments Association of SA) QR code interoperability standards; POPIA for customer data from scans | | Nigeria | CBN guidelines on QR code payments (2020); NFC/QR interoperability framework | | Kenya | CBK mobile payment regulations; QR payments covered under National Payment System Act | | Morocco | BAM digital payment regulations; QR payments under e-money framework | | Regional | EMVCo QR code standard compliance for interoperability with banking QR systems | ## SWOT Analysis ## Competitive Positioning ## KPI Dashboard