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Welcome to CQRPay

When the internet was conceived it was developed as an "information highway". It has evolved into an e-commerce solution that is a mandatory component for every business. However, the Rules of E-Commerce have been changed.

When the world’s single largest supplier of merchant accounts, Global Payments, went looking for a partner to supply an e-commerce solution for their customers, they came knocking on our door. They made us an offer we could not refuse. Read about Our Solution

Home to the World's First and Only Digital Wallet for e-Commerce

E-commerce rules have changed.

SmartphonesIn September 2011 both Visa and MasterCard launched their own digital wallet applications for smartphones. With the introduction of these two applications the rules of e-commerce have forever changed for both the bricks and mortar retailers and online merchants.

If you are one of the consumers concerned about identity theft then you need to know that the new digital wallets are guaranteed to protect your identity. The safest place to store your credit card details is with the bank or institution that issues the consumer with his or her credit card. The second safest place to store your profile and card data in one of the clouds designed specifically for that purpose. After all, they already have this information.

Initially the PPOS will be deployed to interact with e-commerce enabled web sites. The shopping cart applications will no longer ask for any information from the consumer. The software will simply generate a transaction number that is pasted into the PPOS.

An important aspect of CQRPAY is its use of dynamic data. Each transaction carries a unique ‘stamp’ which prevents the transaction data from being fraudulently reused, even if it is stolen from a merchant’s or processor’s database. CQRPAY’s dynamic data feature basically says ‘if you can’t prevent data from being stolen, make the stolen data useless because dynamic data is only useful for the a sole transaction, nothing more.

If you are a consumer then read how the new rules protect Consumers. The new digital wallets will be a fully functioning Personal Point of Sale device (PPOS). They will not only provide all the functions of existing retail POS devices but also provide several new levels of security and identity protection.

Initially the PPOS will be deployed to interact with e-commerce enabled web sites. The shopping cart applications will no longer ask for any information from the consumer. The software will simply generate a transaction number that is pasted into the PPOS. Read about:
•The New Rules for Shopping Carts.
• How the New Rules protect Merchants.
•The New Services webmasters will offer.
•The New Rules for Smart Phone Apps.
•The New Rules for Bank Apps.

About Arvic Search Services Inc.
Arvic has provided a secure gateway for credit card processing for Internet-based merchants for over 10 years. Our independent gateway service is unique in that it is the only application that connects to every merchant account provider and every bank in Canada and the USA.

Our platform enables merchants to use the service regardless of any affiliation they may enjoy with a merchant account provider, bank, POS device supplier or shopping cart software developer.

Facial Recognition
We deploy the same facial recognition software used by police and government agencies world-wide to unlock a secure area of the smartphone for the purpose of using a PPOS.

The CQRPay PPOS will operate across all web-based applications that accept credit cards, and will process any merchant account set up on the CQRPay gateway. The PPOS will work with an ever-growing collection of smartphone models, laptops and desktop computers.

The initial CQRPay PPOS digital wallet has been developed, and is in the hands of selected stakeholders for beta testing. The initial results have been so overwhelming, the launch date was moved up to September, 2011.

It is now time to invite e-commerce software developers to participate in the launch.
To register as a developer and to download the API, click Developers.

Partnership Requirements
We are looking for retailers to initially allow the PPOS to receive shopping cart details from their web application and, once there is widespread acceptance of the web application, to make changes at the cash register to allow the PPOS to retrieve sales information.

We are now proposing to partner with software developers, of which we consider you to be a key member.
To register as a partner and to download the API, click Partners.

Advantages to Partnership
Current estimates indicate that 40 per cent of the 300 million cell phones in use across North America are smartphones. The PPOS application will process all transactions, regardless of the merchant account provider.

Within one year we estimate the PPOS will process over 3 million transactions per day. Within two years we expect the volume of PPOS-based transactions will surpass the volume of today’s POS devices.

The initial introduction of the PPOS will be via the e-commerce websites of 140 of the 400 largest retailers. Your software will now be introduced to not only the merchants who employ your competitor’s offerings, but also to those merchants who currently do not have e-commerce capabilities on their current websites, and those who do not currently maintain a presence on the Internet.

PPOS Distribution
We expect the PPOS will be distributed in several ways. The initial distribution will be through shopping cart developers.

We are inviting over 100 developers to express an interest in upgrading their shopping carts. While it is true that we do not expect all invitees to respond, it is also true that only those developers that do respond will be included in the initial launch and of the first year of semi-exclusive certification.

The second line of distribution will be through the retailers that are known to primary stakeholders. First we will work with retailers who operate their own e-commerce application, to ensure they have the necessary API. It is estimated that only 40 per cent of retail merchants that accept credit cards have an e-commerce enabled website. We will target these retailers through a joint effort of the stakeholders.

The third line of distribution will be through the banks that issue credit cards. Once consumers learn of the added security features associated with the PPOS, banks will offer their own smartphone applications that incorporate the PPOS.

An additional line of distribution will be the word-of-mouth advertising of the user base. We expect 80 per cent of consumers who own a smartphone will know of the PPOS within 3 months of its introduction.

Other Requirements
As the PPOS gains acceptance, there will be a heavy demand from merchants for specific smartphone applications, which will allow merchants more detailed communication with the consumer. Interactive smartphone applications will become the norm.

The same XML file can then be tied to smartphone applications specific to the needs of the merchant. We believe the shopping cart suppliers will be the ideal developers of these new applications, and as such we have a separate API that may be built into these new applications.

Income Opportunities
Once we launch our PPOS application, shopping cart developers who install our API will have about a one year window of exclusivity before their competitors launch a competitive product.

Your Product's Potential
We will restrict the number of shopping cart suppliers authorized to use the API and the number we certify for use with the PPOS. We believe we can drive traffic to your business. We ask you to consider the following:

1. Every North American Bank that issues credit or debit cards to consumers will promote the PPOS as the only truly secure method of shopping online.
2. Every merchant account provider will encourage their e-commerce enabled retailers to deploy shopping cart application providers that are certified to process transactions via the PPOS.
3. It is estimated that less than 40 per cent of websites are currently e-commerce enabled. The numbers of e-commerce enabled websites will more than double over the next two to five years.
4. It is estimated that less than 60 per cent of merchants offering consumer goods and services currently have websites. This new technology will make the process much easier for these merchants, who may then be inclined to set up sites.

The digital wallet will protect the cardholder’s identity and will provide a new and convenient way to make purchases, both online and on multiple hardware platforms.

The PPOS digital wallet will be a welcome solution for merchants who wish to save costs on card-not-present sales, chargebacks and fraud attempts. With its ease of implementation for merchants and the inherent acceptance by consumers, merchants will benefit by using CQRPay.

The CQRPay PPOS digital wallet will become the distinct leader and will set the standard in digital wallet technology by meeting the security needs of cardholders, merchants, and card issuers.

If you are interested in this opportunity:

1. Visit our website and complete our developer’s agreement.
2. Download and execute the non-disclosure agreement.
3. The full API will be forwarded to you once you return the non-disclosure agreement.

We invite your questions by phone or e-mail.

Contact: Victor Arcuri
Phone: 403-234-0844

For more information: More Information.

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