“People want to not have to take their wallets everywhere. They don’t want their credit cards to pay, and then roll out their loyalty cards,” Trent McLelland managing director of the mobile payment app FlickPay said in a CNBC Africa report.

“We want to put that into one experience and put it on the mobile phone,” he said.

Detected through a small scanner that is placed on top of the retailer’s register, FlickPay allows stores to access credit card or check card information via a custom QR code, created by the app. Aside from collecting loyalty rewards, the app’s geo-targeting capabilities provide coupons for users who are within a specific area.