chiica is a mobile payment app that allows you to pay in local currency using QR codes.

QR codes are distributed by merchants in the form of a URL or UPI ID. When you scan the QR code with your smartphone, you will be directed to the merchant's payment page, where you can make a payment using your smartphone.

This is the same process that you would use to pay with a credit card or bank account. The merchant receives the payment and you receive your return.

How do I earn points?

The more points you earn, the more money you can earn in return.

To earn points, you need to use the app and scan a QR code. You can also participate in events that give you extra points.

How can I use points?

To use points, you need to have a valid account with the merchant. You can use the points to purchase products or services from the merchant.

To use points, you need to go to the merchant's store and scan the QR code. The merchant will receive the points and you will receive the return.

How can I pay?

You can pay using either cash or a credit card.