The Digital Partner for Your Shop

Wave Zay Sine is a mini app within the Wave App, designed especially for micro and small business owners. You don’t need a bank account or a separate application to get started. Whether you run a street shop or a small retail business, you can register instantly and start accepting digital payments from any customer right away. With quick setup, secure transactions, and flexible payment options, Wave Zay Sine simplifies everyday business needs and helps business owners focus on running and growing their business.

Why Use Wave Zay Sine?

One App for Everything
One App for Everything

Manage your shop’s daily sales and your personal pocket money all in one place...

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One App for Everything
One App for Everything

Manage your shop’s daily sales and your personal pocket money all in one place. Handle business transactions and personal transfers seamlessly, without ever leaving the Wave App.

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Easy & Instant Registration
Easy & Instant Registration

No long forms or waiting. You can sign up as a merchant by yourself directly......

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Easy & Instant Registration
Easy & Instant Registration

No long forms or waiting. You can sign up as a merchant by yourself directly in the app and start using it the same day.

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One QR to Receive All Payments
One QR to Receive All Payments

You don’t need many different QR codes on your counter......

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One QR to Receive All Payments
One QR to Receive All Payments

You don’t need many different QR codes on your counter. With Wave Zay Sine, customers can scan your MMQR using any mobile wallet or banking app to pay you.You don’t need many different QR codes on your counter. With Wave Zay Sine, customers can scan your MMQR using any mobile wallet or banking app to pay you.

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Accept Large Payments
Accept Large Payments

Grow your sales without worry. Wave Zay Sine allows your shop......

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Accept Large Payments
Accept Large Payments

Grow your sales without worry. Wave Zay Sine allows your shop to receive larger amounts of money through your MMQR than a standard personal account.

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Pay Suppliers Easily (Merchant to Merchant)
Pay Suppliers Easily (Merchant to Merchant)

Move money from your wallet to other merchants...

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Pay Suppliers Easily (Merchant to Merchant)
Pay Suppliers Easily (Merchant to Merchant)

Move money from your wallet to other merchants or suppliers instantly. It’s the fastest way to restock your shop or pay your business partners.

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Features Available at Wave Zay Sine

Wave Zay Sine

Register your business easily using the Wave Zay Sine Mini App inside your Wave account. Follow our user guide to complete your setup and start selling in no time.

Merchant to Merchant Transfer

Send money to your vendors and business partners instantly without the need for physical cash. Check out the user guide to learn how to make seamless merchant-to-merchant transfers.

Bank Linkage

Link your Merchant account with Yoma Bank to manage your business funds more securely and efficiently. Our user guide will show you how to connect your bank account in just a few clicks.

Cash Out

Withdraw your business earnings as physical cash whenever you need it at any authorized Wave Agent. For a smooth withdrawal process, please refer to the steps in our cash-out user guide.

Merchant App Access

Experience a powerful yet user-friendly interface designed to help you manage daily operations with ease. Explore the user guide to master all the tools available in your Wave Merchant App.

QR Payment

Boost your sales by accepting instant MMQR payments from any mobile wallet or banking app. Check the user guide to learn how to set up and display your QR code for customers.

Settlement

Transfer your daily business income directly to your Yoma Bank account with our simple settlement process. View the user guide for a step-by-step walkthrough on how to settle your funds.

Transaction History

Access detailed sales reports and reconcile your transactions to make smarter, data-driven decisions for your growth. Learn how to track your business performance efficiently in our dedicated user guide.

Visit to user guide

App Linkage

Link your Wave Merchant App to your personal Wave Wallet for seamless fund transfers and better financial control. Follow the user guide to connect your accounts and enjoy greater flexibility.

Easy Registration

Sign up for Wave Zay Sine directly in your Wave App without any paperwork or long waits. It’s the fastest way for your shop to join the digital economy. Follow our step-by-step guide to complete your registration in minutes.

Visit to user guide

Instant Activation

Once approved , simply activate your account to unlock your MMQR. You are now ready to receive payments from any wallet and grow your business. Check out our guide to see how to activate and start selling.

Visit to User Guide

What Wave Zine Is For

Become a Wave Zay Zine Merchant

Grocery Shop

Food & Beverage Vendor

Clothing & Fashion Shop

Beauty & Personal Care

Pharmacies & Healthcare Product

General Retail

Transport & Automotive Service

Agriculture & Fresh Produce

Services & Repair

Learn How It Works

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Protected your Wave Account
Pay bill with Wave & win up to 5 Lakhs
Step-by-step cash-in , cash-out from Wave account

Frequently Asked Questions

More FAQs

Wave Zay Sine is an integrated feature within the Wave App that empowers entrepreneurs to become Wave Merchants quickly. it facilitates the acceptance of digital payments and streamlines daily business requirements through a secure and user-friendly interface.

Wave Zay Sine offers rapid deployment, the ability to accept all digital payments, unified management of personal and business funds, and higher transaction limits to support business scaling.

To apply, select “Apply Now” within the app and register as a Wave MMQR Merchant by providing your business details along with photos of your storefront and products. Once approved, you must activate the service to start accepting MMQR payments. The standard verification period is up to 72 hours.

Please ensure your Wave App is updated to the latest version (v2.5 or higher). The Wave Zay Sine mini-app and banners are only visible on the updated interface.

Requirements include a valid NRC, a clear real-time photo of your shop, and a Verified Wave User status. Note: The Wave Account holder and the shop owner must be the same individual. (Discrepancies can be corrected by re-registering your information).

What Our Client Say

Wave QR benefits both our customers and our business. It enhances convenience by allowing customers to make payments from multiple digital wallets and payment apps using a single QR code. For us, accepting payments seamlessly improves operational efficiency.

...

U Aung Thu Han

Horizon Restaurant & Pun Hlaing Golf Club

By offering Wave QR payment solutions, we can attract more customers as they can make payments using multiple digital wallets and payment apps with a single QR code. With Wave QR, we can also efficiently manage transactions, track payments, and generate reports with ease through the Merchant App.

...

Ma Chaw Su

American Collection

Wave QR is highly user-friendly for both our customers and our business. This payment solution is not only efficient for merchants like us but also incredibly easy to use.

...

Ko Ye Naung

Archway Bristro

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