QIUBBX PAYMENTS

Razorpay · Split Payment · 0% commission

Payments Built for a Fairer MarketplaceSecure. Direct. Transparent.

Secure payments. Direct seller settlement. Transparent transactions.

QIUBBX uses Razorpay-powered payment processing and split payment infrastructure to facilitate direct settlement of Seller funds according to the applicable payment gateway settlement schedule.

For Sellers →How it works →Zero Commission model →

0% QIUBBX CommissionZero Commission
Your Sales. Your Settlement.Split Payment
Every Payment. Clearly Tracked.Transparency

Payment model

Split payment with direct Seller settlement — not a QIUBBX collect-then-payout wallet by default. Gateway costs are split by role: buyers pay Razorpay transaction fees; sellers pay 0.10% for split direct-to-seller.

Zero Commission

0% QIUBBX commission on Seller sales under the Zero Commission model.

Split Payment

Payment is captured through Razorpay and allocated according to the configured split.

Direct Seller Settlement

Seller funds follow the applicable Razorpay settlement schedule and Seller payment configuration.

Seven principles

01SecurePayments are processed through Razorpay with server-side verification.

02TransparentSellers can see gross sales, the 0.10% split fee, net settlement, status and reference. Buyers see checkout costs including any Razorpay transaction fee at the agreed rate.

03DirectSeller portion is routed via the split-payment mechanism and settlement configuration.

04Zero CommissionQIUBBX does not charge commission on Seller sales under the Zero Commission model.

05TraceableEvery transaction is linked: QIUBBX Order ID, Razorpay Order/Payment IDs, Split ID, settlement reference.

06ReconciledOrder → Payment → Split → Fee → Settlement is matched in the ledger layer.

07ScalableDesigned for single-seller, multi-seller expansion, refunds, failed payments and reconciliation.

Official payment flow

From checkout to Seller account — with verification before capture and split.

Customer
QIUBBX Checkout
Create Order
Razorpay Checkout
Customer Payment
Payment Verification
Payment Captured
Split Payment
Seller Settlement
Seller Account

Customer

Pays the order total at checkout. Sees order summary and receipt with food, rider fee, tax and payment status — not internal Seller settlement math.

Razorpay

Processes the payment, issues provider IDs, and drives capture / transfer / settlement events.

Seller

Receives allocation under split payment and settlement status on the applicable schedule.

Transaction lifecycle

Server creates the QIUBBX order before Razorpay checkout.

01Cart

Customer selects menu items → CART_CREATED.

02Checkout

Subtotal, discount, rider fee, tax if applicable, service fee if applicable, total.

03QIUBBX Order

Server creates qiubbx_order_id (example: QX-2026-000829).

04Razorpay Order

Backend creates razorpay_order_id linked to the QIUBBX order.

05Payment

Customer pays via Razorpay Checkout.

06Verification

Server verifies signature. Invalid → PAYMENT_REJECTED.

Payment states

Happy path from INITIATED to SETTLED — with explicit exception states.

INITIATEDPayment process has started.

AUTHORIZEDAuthorized; fulfilment waits for required confirmation.

CAPTUREDPayment successfully captured.

SPLIT_CREATEDSplit / allocation created for Seller (and QIUBBX if any).

SETTLEMENT_PENDINGCaptured; Seller settlement still processing.

SETTLEDSettlement processed under the applicable configuration.

Exception states

FAILEDPayment failed.

CANCELLEDPayment cancelled before success.

REFUNDEDFull refund completed.

PARTIALLY_REFUNDEDPart of the amount refunded; original payment is not overwritten.

REVERSEDRelated allocation/transfer reversed.

Seller payment

Your sales. Your settlement. Clear fees — without marketplace commission on sales.

Example (illustrative) — Seller side

Menu sales	RM100.00
QIUBBX commission	RM0.00
Razorpay split / direct-to-seller fee (0.10%)	RM0.10
Seller net	RM99.90

RM99.90 illustrates 0.10% × RM100 on the Seller split fee only. Buyer-side Razorpay transaction fees are separate and use the commercially agreed rate — not this 0.10%.

Who pays which Razorpay fee

Two different gateway cost layers — do not collapse them into one “0.10% for everyone” message.

Buyer

Pays Razorpay transaction fees according to the agreed commercial rate for checkout processing.

Seller

Pays 0.10% Razorpay fee for split / direct-to-seller payment under the current programme.

QIUBBX commission

0% on Seller sales under the Zero Commission model — not a payment gateway charge.

Buyer — Razorpay transaction fee

Razorpay may charge buyers a transaction fee based on the commercially agreed rate (method and schedule as contracted). This is separate from Platform Care and from the Seller 0.10% split fee.

Seller — 0.10% split / direct-to-seller fee

Sellers pay a 0.10% Razorpay fee for the split payment / direct-to-seller payment function under the current QIUBBX arrangement. This is not QIUBBX marketplace commission.

Zero Commission policy

QIUBBX does not deduct commission from Seller sales under the Zero Commission model.

Zero Commission does not mean zero payment processing cost. Buyers may pay Razorpay transaction fees at agreed rates; Sellers pay 0.10% for split direct-to-seller.

Seller settlement

Seller settlement follows the applicable Razorpay settlement schedule and the payment configuration associated with the Seller account.

We do not promise “money in X hours.” Status is shown clearly: Pending, Processing, Settled, Failed, or On hold.

PENDINGSettlement not yet started.

PROCESSINGSettlement in progress with the provider.

SETTLEDSettlement completed for the period/item.

FAILEDSettlement failed — requires action/review.

ON_HOLDHeld pending review, compliance, or dispute.

ORDER
PAYMENT
CAPTURED
SPLIT
SELLER ALLOCATION
SETTLEMENT PROCESSING
SELLER SETTLED

Order Paid
Payment Confirmed
Seller Allocation Created
Settlement Processing
Seller Settlement Completed

Seller payment detail (example)

Order ID	QX-2026-000829
Gross amount	RM100.00
QIUBBX commission	RM0.00
Split / direct-to-seller fee (0.10%)	RM0.10
Net amount	RM99.90
Payment status	CAPTURED
Settlement status	PROCESSING
Payment provider	Razorpay

Customer payment

Customers see a full breakdown of what they pay — food, discounts, rider fee, tax, applicable Platform Care, and any Razorpay transaction fee at the agreed rate — with clear status messages.

Order summary (example)

Food	RM30.00
Discount	-RM2.00
Rider fee	RM5.00
Tax	RM1.65
Total (before Care / gateway as applicable)	RM34.65

Buyer receipts must always show tax and rider fee as separate lines when they apply (not merged into a single “total only”). Internal Seller settlement and the Seller 0.10% split fee are not shown on the buyer receipt.

Payment Confirmed

Your payment has been successfully confirmed.

Payment Processing

We are waiting for payment confirmation.

Payment Could Not Be Completed

Your payment was not completed. Please try again or choose another payment method.

Payment receipt (example) — buyer

Order ID	QX-2026-000829
Payment ID	pay_xxxxx
Food	RM30.00
Discount	-RM2.00
Rider fee	RM5.00
Tax	RM1.65
Total paid	RM34.65
Status	PAID
Payment provider	Razorpay
Date	09 August 2026

Refunds

Eligible orders may be refunded according to QIUBBX refund policy and provider processing — full or partial where supported.

Refund request
QIUBBX refund rules
Razorpay refund
Payment reversal
Split / allocation adjustment
Seller ledger
QIUBBX ledger

Full refund

Original payment reversed for the customer; Seller allocation adjusted according to payment configuration.

Partial refund

Ledger posts a separate refund line (e.g. PAYMENT +100, REFUND −30, NET +70). The original transaction is never overwritten.

Failed payment

If payment fails, the order is not confirmed. Customer sees a clear failure message with Try again / Choose another method.

Try again · Choose another payment method

Pending payment

While status is pending, do not create a duplicate order or charge. Wait for provider confirmation (webhook/API), then mark success or failed.

Duplicate payment protection

If a customer pays successfully but the network fails, a second Pay action must detect existing payment/order/transaction and avoid double charge or double fulfilment.

QXRider earnings

Riders use a separate earnings ledger from Seller settlement. Delivery earnings are not the same as bank arrival time.

Rider Earnings ≠ Payment Settlement ≠ Bank arrival time.

Delivery fee 0–2 km	RM5.00
Delivery fee >2–4 km	RM6.00
Delivery fee >4–6 km	RM7.00
Delivery fee >6–8 km	RM8.00
Delivery fee >8–10 km	RM9.00
Example 4.5 km	RM7.00
Example 9 km	RM9.00
QIUBBX commission	RM0.00

EARNED
ELIGIBLE
PROCESSING
PAID

Operations & compliance layer

QIUBBX provides order management, ledger, fee display, refund orchestration, reconciliation, reporting, audit and compliance — on top of Razorpay split payment.

GMV / transactionsTracked daily

Success / failedVisible

Refunds & pendingVisible

UnreconciledException centre

Payment security

Secrets stay on the server. Checkout uses verified capture and signed webhooks.

Server-side payment verification
Webhook signature verification
HTTPS everywhere for payment paths
Secret management (never in the frontend)
Test / live separation
Access control & audit logs
Idempotent webhooks
Duplicate transaction protection
Authorized refunds only

Webhook: /api/webhooks/razorpay · secrets never in frontend

FAQ

What payment provider does QIUBBX use?

QIUBBX uses Razorpay for payment processing.

Does QIUBBX charge Seller commission?

QIUBBX operates under a Zero Commission model and does not charge commission on Seller sales.

Is there a payment gateway fee?

Yes, in two layers. Buyers may pay Razorpay transaction fees at the commercially agreed rate. Sellers pay 0.10% Razorpay fee for the split / direct-to-seller payment function. These are separate from QIUBBX Zero Commission (0% on Seller sales).

When will the Seller receive payment?

Seller settlement follows the applicable Razorpay settlement schedule and the configuration of the Seller payment account.

Does QIUBBX hold Seller money?

QIUBBX uses a split-payment model designed to facilitate direct Seller settlement through the configured payment infrastructure.

Can customers receive refunds?

Yes, eligible orders may be refunded according to the applicable QIUBBX refund policy and payment provider processing.

Can a payment be partially refunded?

Yes, where supported and applicable.

Legal wording

Seller funds are settled according to the applicable Razorpay settlement schedule and payment configuration. Buyers may incur Razorpay transaction fees at the commercially agreed rate. Sellers pay a 0.10% Razorpay fee for the split / direct-to-seller payment function under the current arrangement. Rates and application may change based on commercial contracts and configuration.

Payment Policy Refund Policy Compliance Centre Terms

This public page describes the payment architecture for customers, sellers and partners. It is not a claim of regulatory certification. Live dashboards for sellers, riders and admin ship in product apps with the same data model.

Architecture in one line

Razorpay Split Payment + Direct Seller Settlement, with QIUBBX owning order management, financial ledger, fee calculation/display, refund orchestration, reconciliation, reporting, audit and compliance.