#### Overview
Qatar Pay is a comprehensive mobile application designed to empower both local and international merchants and businesses in Qatar by providing a unified platform to host their products and services. With a secure and safe single login, merchants can effortlessly connect with their customers, streamline payments, and manage their business operations efficiently.

#### Key Features

1. Unified Merchant Hosting:
- Merchants can showcase their businesses and products in one integrated suite.
- Customers can access all their favorite stores with a single press.

2. Automated Payments:
- Support for stored payment cards, Apple Pay, and Google Pay.
- Ability to store billing credentials for automatic monthly settlements.
- Notifications for customers about any billing discrepancies (e.g., phone bills, Kahramaa bills, Qatar Cool bills).

3. Graphical Spenditure Planner:
- Visual representation of monthly, weekly, and daily spending.
- Categorized expenditure tracking to help manage finances better.

4. Invoice and Payment Links:
- Merchants can send payment links with invoices for easy collections.
- Option to build multi-stores and send links for customers to select and pay for delivery.

5. Submerchant Accounts:
- Partial submerchant accounts for QR and NFC payment POS operations.
- Ensures privacy and security under each merchant account.

6. Tool Library:
- A resourceful library for customers and merchants to advertise job opportunities and search for jobs.
- User-friendly cloud and subscription management tools.

7. Safe Archive Library:
- Secure storage for user data, including copies of contracts, passports, and IDs.
- Storage of bank account details and debit/credit card information.
- Easy sharing of stored data via various media channels.

8. Noqoody Payment Gateway:
- Instant subscription to Noqoody Payment Gateway.
- Enables merchants to publish their stores with an official payment gateway over the internet.

#### Benefits for Merchants

- Increased Reach: Host your business on a platform accessible to a wide range of customers.
- Enhanced Efficiency: Automate payment processes and manage billing effortlessly.
- Financial Management: Track and analyze spending with advanced graphical tools.
- Security: Benefit from a secure and private platform for all business transactions.
- Convenience: Simplified processes for invoicing, payment collection, and store management.
- Resource Availability: Access a library of tools and resources for business growth and job opportunities.

Qatar Pay is more than just a payment app; it’s a complete business management tool designed to meet the needs of modern merchants and their customers.