These Payment Terms must be read with Master Terms, Refund Policy and the public Payments page.
1. Payment Infrastructure
QIUBBX uses approved third-party payment infrastructure. The current configured provider includes Razorpay. Accepted methods are only those actually enabled in the environment. Payment is subject to provider rules, verification, status events, settlement, refunds and chargebacks.
2. Authorisation & Confirmation
Orders are processed only after the required payment status is confirmed (including signature/webhook verification on the server side). Pending payments must not create duplicate charges; failed payments do not confirm the Order.
3. Split Payment & Seller Settlement
1. Customer
2. QIUBBX Checkout
3. Razorpay
4. Settlement allocation
5. Seller / QIUBBX as configured
Seller settlement follows the applicable Razorpay settlement schedule and Seller payment configuration. QIUBBX does not promise a fixed “money in X hours” timing unless stated in an official arrangement.
4. Gateway Fees by Role
Buyer
Razorpay may charge buyers transaction fees according to commercially agreed rates / schedules for checkout processing.
Seller
Under the current QIUBBX arrangement, Sellers may pay a 0.10% Razorpay fee for the split / direct-to-seller payment function. Subject to the applicable Razorpay arrangement and current fee schedule — rates may change commercially.
QIUBBX commission
0% marketplace commission on Seller sales under Zero Commission — separate from gateway costs.
QBP
1. Paid order
2. Accrual
3. QBP wallet
4. Withdrawal
QBP is not a direct checkout bank split to the Advisor’s bank account.
5. Buyer Receipts, Taxes & Rider Fees
Buyer payment receipts must show tax and rider fee as separate lines when they apply, along with order/payment identifiers and totals. Internal Seller settlement and Seller 0.10% split fee are not shown on the buyer receipt.
6. Failed Payments, Delays, Fraud & Disputes
Failed or cancelled payments do not complete Order fulfilment
Processing delays may depend on providers and banking networks
QIUBBX may use risk signals and hold/refund flows for fraud prevention
Chargebacks follow provider and bank processes
Currency and tax treatment follow applicable configuration and law
7. Contact
support@qiubbx.com
https://qiubbx.com/payments
Default language: English. Bahasa Malaysia follows below. For QIUBBX buyers (including Home Made food). Read in-app at Profile → Legal → Payment Policy.
Gateway: Razorpay Curlec (Malaysia). QIUBBX does not store full card numbers / CVV.
English
1. What you pay
The checkout total is what we attempt to collect. It may include:
Component: Meaning
**Menu price (buyer sees): Seller menu × 1.045 — Platform Care 4.5% is added** onto the seller price and embedded on menu / PDP (not a separate checkout line)
**Platform Care (4.5%): That 4.5% goes into the QIUBBX account**. QBA 2.5% and QBM 1.0% (3.5% total) are never charged to the buyer — deducted from seller settlement
**Delivery fee:** Self-pickup RM0 · Family Runner same F&B distance formula (≤3 km RM5 or RM6) · QXRider RM5–RM9 within 10 km (100% to rider)
**Gateway fee: Razorpay Curlec published Basic MDR for the method you pick: FPX / DuitNow 1.5% or RM1 (whichever is greater) · e-wallet 1.5% · card 2.4%**. Contracted dashboard rates override if different.
Currency: MYR. These are physical goods / real-world services, not App Store / Play digital IAP.
2. How payment works
1. You pay via Razorpay Curlec (FPX, DuitNow QR, cards, e-wallets, PayPal when enabled).
2. An order is paid only after QIUBBX verifies success (payment id + signature / webhook).
3. A bank SMS alone is not proof of a paid QIUBBX order.
3. Where your money goes
1. Funds are received by QIUBBX’s platform Curlec account first.
2. The food subtotal is reserved for the Home Chef.
3. That amount is held until your order is delivered / picked up.
4. After delivery, funds are released to the Home Chef under Curlec’s settlement schedule.
5. Delivery fees go to the rider or Family Runner path — not as the chef’s food proceeds.
6. Platform Care (4.5%) goes into the QIUBBX account; gateway fees stay with the gateway.
4. Refunds
Refunds depend on order status and QIUBBX support review (including pre-order cancellation windows). Request via in-app Orders / Support. Chargeback abuse may lead to account suspension.
5. Security
Hosted checkout — QIUBBX does not store full card PAN/CVV.
Bahasa Malaysia
1. Apa yang anda bayar
Di checkout, jumlah yang dipaparkan ialah jumlah yang akan dicuba kutip. Biasanya termasuk:
Komponen: Keterangan
**Harga menu (pembeli nampak): Harga seller × 1.045 — Platform Care 4.5% ditambah** pada harga seller dan terbenam dalam harga menu / PDP (bukan baris berasingan di checkout)
**Platform Care (4.5%): 4.5% itu masuk akaun QIUBBX**. QBA 2.5% dan QBM 1.0% (jumlah 3.5%) tidak dikenakan kepada pembeli — ditolak dari settlement seller
**Caj penghantaran:** Self-pickup = RM0 · Family Runner = formula jarak F&B (≤3 km RM5 atau RM6) · QXRider = RM5–RM9 dalam 10 km (100% kepada rider)
**Caj gateway: MDR Razorpay Curlec (senarai Basic) mengikut kaedah: FPX / DuitNow 1.5% atau RM1 (mana yang lebih besar) · e-wallet 1.5% · kad 2.4%**. Kadar kontrak dashboard mengatasi jika berbeza.
Mata wang: MYR. Ini ialah barangan fizikal / perkhidmatan sebenar (makanan & penghantaran) — bukan In-App Purchase App Store / Play Billing.
2. Kaedah bayaran (bila diaktifkan)
FPX — perbankan dalam talian (login bank + TAC)
DuitNow QR
Kad kredit / debit (Visa / Mastercard; 3-D Secure mungkin diperlukan)
E-wallet — Touch ’n Go, GrabPay, Boost, ShopeePay (mengikut kontrak)
PayPal (jika diaktifkan)
Jumlah di skrin checkout = jumlah yang akan dicuba. Jangan anggap berjaya hanya dari SMS bank.
3. Bila order dianggap “dibayar”
1. Anda lengkapkan bayaran di skrin Razorpay / bank.
2. QIUBBX menerima pengesahan sah (order id + payment id + tandatangan / webhook).
3. Status order bertukar kepada dibayar / disahkan.
Checkout gagal, dibatalkan, atau ditinggalkan = tiada order berbayar.
4. Ke mana wang pergi (penting untuk anda)
1. Bayaran anda diterima dahulu oleh akaun platform QIUBBX melalui Curlec.
2. Bahagian harga makanan dikhaskan untuk Home Chef (dapur rumah).
3. Bahagian itu ditahan (hold) sehingga order anda selesai dihantar / diambil (delivered).
4. Selepas itu, dana dilepaskan kepada akaun Home Chef mengikut jadual settlement Curlec.
5. Caj penghantaran kepada QXRider atau Family Runner tidak digabung sebagai bayaran makanan kepada Home Chef — mereka dibayar mengikut polisi penghantaran masing-masing.
6. Platform Care (4.5%) masuk akaun QIUBBX; caj gateway kekal dengan gateway — bukan “komisen jualan” gaya marketplace besar.
Ini melindungi anda: Home Chef mendapat bayaran makanan selepas memenuhi order, bukan sebelum makanan sampai / diambil.
5. Pre-order
Untuk pre-order, anda bayar mengikut polisi checkout yang sama. Tempahan tertakluk pada:
deadline tawaran Home Chef;
polisi pembatalan (lihat ringkasan di bawah & sokongan dalam app).
6. Bayaran balik (refund)
Situasi: Panduan
Checkout gagal / dibatalkan sebelum berjaya: Tiada caj order berbayar
Order dibatalkan mengikut polisi (cth. >24 jam sebelum pre-order cook): Refund mengikut jadual polisi; diproses melalui sokongan / gateway
Order <24 jam / selepas masak bermula: Refund separa atau tiada — semakan sokongan
Makanan tidak sampai / isu kualiti serius: Laporkan dalam app — semakan kes demi kes
Chargeback / pertikaian kad tanpa asas: Boleh menyebabkan akaun digantung
Mohon refund melalui Pesanan / Sokongan dalam app. Adam tidak boleh memproses refund atau melihat baki bank anda.
7. Keselamatan
Data kad diproses Razorpay (PCI DSS Level 1).
QIUBBX tidak menyimpan PAN/CVV.
Gunakan hanya checkout rasmi dalam app.
8. Cara baca polisi ini
Profil → Legal → Polisi Bayaran (dokumen ini). Ringkasan juga dalam Terms & Conditions § Payments.
Payment fees (buyer summary)
Buyer payment processing fee follows Razorpay Curlec per method (FPX/DuitNow 1.5% min RM1 · e-wallet 1.5% · card 2.4%).
Seller RBS is a seller programme — not an extra line the buyer pays as “RBS”.
