Member scans merchant QR
The merchant QR opens a secure page without extra app installation.
How Hemat Club Works
The flow is designed for fast merchant transactions with approval PINs and clear audit trails.
Choose Earn or Use
The member enters the amount and the system calculates credits automatically according to merchant rates.
Merchant enters approval PIN
A private PIN ensures credits are added or deducted only after merchant approval.
Recorded in history
Every transaction is logged and can be reviewed by members and merchants.