03 PaymentsFramework3 min readLast updated 2026-08-09

Payment Classification Matrix

Physical vs digital transactions for store billing review.

Food orderPhysical · store physical goods/services rules
Food deliveryPhysical service
CateringPhysical
Booking (physical service)Physical · review case-by-case
Rider delivery jobPhysical service
Digital feature / subscriptionDigital · separate billing review
Virtual itemsDigital · separate billing review
Apple and Google treat physical goods/services consumed outside the app differently from digital IAP/Play Billing. Food delivery is generally physical.
Important: The information in this Compliance Centre explains QIUBBX policies, controls and operational approach. It does not constitute legal advice. Requirements may change and may vary by jurisdiction, service, transaction type and circumstances. Formal legal documents and applicable laws govern if there is any inconsistency.
Back to Compliance