The proposed method presents a novel quantum encryption framework that leverages a Quantum Permutation Pad (QPP) and bit-stuffing methodologies to enhance operator matrix encryption. The encryption process utilizes a pad composed of 500 4-qubit permutation gates. Plaintext is divided into 4-bit blocks, with each block encrypted via quantum circuits initialized according to the block’s binary value. These qubits are processed through a sequence of 4-qubit permutation operators selected from the QPP pad. Due to current limitations in direct qubit transmission, the ciphertext qubits are measured and transmitted classically. Using a dual-key approach, the first key is derived using the standard BB84 quantum key distribution protocol (QKD), ensuring a quantum-secure foundation. Adding to this, we have a second custom key generated through the proposed key generation mechanism, which introduces additional entropy into the encryption process. With this complete idea of bit-stuffing based operator matrix encryption and two-key generation mechanism, this novel idea can be incorporated for financial banking transactions which heavily rely on encrypting financial details for safeguarding customer privacy.