FREQUENTLY ASKED QUESTIONS.

About QUX Pay®

What exactly is QUX Pay®?

QUX Pay® is a secure, private mobile payment platform that uses QUX eTokens® for transactions. We’re engineered to keep your information totally private with military-grade security and no hidden fees

Who owns QUX Pay®?

QUX Technologies, Inc., located at 175 S Third Street, Columbus, OH 43215.

Business hours: 9am-7pm EST, Monday through Friday.

Is QUX Pay® a bank?

No. We’re an encryption technology company, not a bank. We maintain compliance with financial regulations but are not FDIC insured.

What does "Pay Like It's Nobody's Business" mean?

Since we’re an encryption technology company, it means your financial transactions are truly private.

Unlike traditional apps that track your spending, we use technology that keeps your purchases between you and the recipient only.

Where can I use QUX Pay®?

Currently US region only. We’re focused on providing the best possible service to US customers first.

QUX eTokens® Explained

What is a QUX eToken®?

QUX eTokens® are digital tokens that maintain a 1:1 ratio with USD. $1 = 1 QUX eToken®, always. They act like private digital cash within our ecosystem.

Why do I need QUX eTokens® instead of direct payments?

QUX eTokens® create a privacy layer. Your bank sees “QUX Technologies” transactions, not what you actually purchased or who you paid. It’s like using cash, but digital.

Are QUX eTokens® cryptocurrency?

No. QUX eTokens® are specifically designed NOT to be cryptocurrency. We don’t use blockchain technology, they’re not digital assets, and they maintain stable value unlike volatile crypto.

Do QUX eTokens® use blockchain?

No. We explicitly don’t use blockchain technology because blockchain creates trackable datasets. Our patent-pending technology provides security without the privacy risks of blockchain.

How are QUX eTokens® different from regular e-tokens?

Regular e-tokens may use blockchain and can be trackable. QUX eTokens® use our proprietary technology for maximum privacy, stable value, and work only within our secure ecosystem.

Getting Started

How do I create an account?

Sign up at quxpay.com or download the QUX Pay® app. Provide your email, create a secure password, and verify your email address to activate your account.

What verification do I need?

Complete KYC (Know Your Customer) verification by uploading a valid ID and proof of address. This is required by law for fraud prevention and money laundering compliance.

How long does verification take?

KYC verification typically completes within one business day during our business hours (9am-7pm EST, Monday-Friday).

What if my verification is rejected?

Contact our support team at info@quxpay.com or (877) 700-0789 with your verification details for assistance.

Can I use QUX Pay® immediately after signing up?

You can use QUX Pay® once your KYC verification is complete and you’ve deposited funds into your account.

How It Works

How do I get QUX eTokens®?

Deposit funds into your QUX Pay® account using bank transfers, credit cards, or debit cards. Your funds automatically convert to QUX eTokens® at a 1:1 ratio.

How do I send money to someone?

Generate a QR code for the recipient to scan, or scan their QR code. You can also send directly using their QUX Pay® username or phone number.

How fast are QUX Pay® to QUX Pay® transfers?

QUX eToken® transfers complete faster than traditional apps – typically within seconds. No waiting for bank processing times.

Can I send money internationally?

Yes, you can transfer QUX eTokens® across borders without traditional banking delays, subject to our US-only user base currently.

How do I get my money back out?

Navigate to “Redeem Tokens” to transfer QUX eTokens® back to your registered bank account. The conversion is 1:1 back to USD.

How Do I Withdraw QUX eTokens® from my Account?

– Log into QUXPay®
– Open the QUXPay® app
– Enter your registered email and password
– Click “Login”

– Access Your Wallet
– Navigate to the “Wallet” section on your dashboard
– You’ll see your current QUX eToken® balance displayed

– Initiate Token Redemption
– Look for the “Redeem Tokens” icon at the top of your wallet section
– Click on this option to begin the redemption process
– This will convert your QUX eToken® back into dollars

– Enter Redemption Details
– Select the amount of QUX eToken® you want to redeem
– Choose your registered bank account for the transfer
– If you haven’t registered a bank account yet, you’ll need to provide:
– Account Name
– Account Number
– Bank Name

– Review and Confirm
– Double-check your redemption amount
– Verify your bank account details
– Look for any pending redemptions listed under “Redeem Pending” in your wallet
– Complete the Transaction

– Confirm the redemption
– The funds will be transferred to your designated bank account via ACH transfer
– The transaction will appear in your “Transaction History”

Limits & Restrictions

What are the daily limits?

Purchase limit: 2,000 QUX eTokens® per day.

Redemption limit: 10,000 QUX eTokens® per day.

These limits are for security and regulatory compliance.

What's the minimum purchase?

$20 minimum for QUX eToken® purchases.

Can I increase my limits?

Corporate accounts may have different limits. Contact support for business account information.

Are there weekly or monthly limits?

Daily limits reset each day. There are no additional weekly or monthly restrictions beyond the daily limits.

What if I need to transfer more than the daily limit?

You can process additional transfers the following day, or contact support about corporate account options for higher limits.

Fees & Costs

How much does QUX Pay® cost?

3% transaction fee on QUX eToken® purchases. This fee is automatically added to the token price and clearly displayed before each transaction.

There are no fees for sending and receiving QUX eTokens® to other QUX Pay® users, and there are no fees for selling and buying products in the QUX® Marketplace.

Are there any hidden fees?

No hidden fees. The 3% transaction fee covers all standard operations. Additional fees may apply for securities transfers or external regulatory requirements.

Why do you charge fees instead of being free?

We charge transparent fees so we never need to monetize your personal data. Our business model protects your privacy instead of exploiting it.

Do I pay fees for holding QUX eTokens®?

No. There are no monthly fees, maintenance fees, or charges for storing QUX eTokens® in your wallet.

What about crypto conversion fees?

Network fees for cryptocurrency transactions are set by the respective blockchain networks and may vary based on network congestion. QUX Pay® has 5% standard transaction costs.

Security & Privacy

How secure is my money?

We use AES-4096 encryption (military-grade security), patent-pending encryption mesh infrastructure, and maintain all required financial security standards.

What personal information do you collect?

Only what’s required by law: identity verification (ID, address) for KYC compliance. We don’t track your spending habits or transaction details.

Do you sell my data?

Never. Our privacy policy explicitly states that personal data will not be distributed to third parties without your consent. We don’t monetize user data.

Can you see what I'm buying?

No. We can see that you transferred QUX eTokens®, but not what you purchased, from whom, or any transaction details beyond the token transfer.

What if I lose my phone?

Your QUX eTokens® are stored securely in our system, not on your device. Simply log in from any device using your credentials to access your account.

What security measures protect my account?

Military encryption, secure authentication, patent-pending technology, and compliance with all financial industry security standards.

How do you prevent fraud?

KYC verification, AML compliance, transaction monitoring, and secure authentication systems protect against fraudulent activity.

Transaction Problems

What if I send tokens to the wrong person?

QUX eToken® transfers are final, like cash transactions. Double-check recipient information before confirming any transfer.

Can transactions be reversed?

Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.

What if a payment fails?

Failed transactions typically return QUX eTokens® to your wallet automatically. If not, contact support with transaction details.

What if the app crashes during a transfer?

Transactions are processed on secure servers. Check your transaction history in the app, or contact support to verify transaction status.

How do I dispute a transaction?

Contact support at info@quxpay.com with transaction details. Include reference numbers and relevant documentation.

Can I cancel a payment after I hit send?

No. QUX eTokens® transfer instantly and can’t be cancelled once sent.

Corporate & Business Use

Can I use QUX Pay® for my business?

Yes. Corporate accounts are available with enhanced features for business payment processing and employee expense management.

How do I become a merchant?

To become a merchant, see our step-by-step guide in the merchant article below.

Do you have WordPress plugins?

Yes. We offer plugins for WordPress, WooCommerce, and other e-commerce platforms to accept QUX eToken® payments.

Can employees use QUX Pay® for business expenses?

Corporate accounts can manage employee payments and expense tracking while maintaining transaction privacy.

Is there an API for developers?

Yes. API documentation is available for merchants and developers wanting to integrate QUX Pay® into their systems.

What are the benefits for merchants?

Accept payments instantly, lower processing fees than traditional methods, no chargebacks (QUX eTokens® are final), and enhanced customer privacy.

Can I process bulk payments?

Corporate accounts support bulk payment processing for payroll, vendor payments, and other business needs.

Can I use this for freelance payments?

Yes, but you’re responsible for tax reporting. Keep records of all business-related transactions.

Can I write off the 3% fee as a business expense?

Consult your tax professional. Transaction fees might be deductible for business use.

Cryptocurrency Integration

What cryptocurrencies do you support?

Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Bitcoin Cash (BCH), USDT (ERC20, TRC20, Polygon), USDC (ERC20, Polygon), XRP, TRX, DASH, MATIC, HOM, and PROPT.

Do you hold my cryptocurrency?

No. We send cryptocurrency directly to your specified wallet address. You maintain full control of your crypto assets.

Is crypto conversion immediate?

Crypto redemption is processed quickly, but actual receipt depends on blockchain confirmation times for each specific cryptocurrency.

Do I need my own crypto wallet?

Yes. You need a private crypto wallet that supports your chosen cryptocurrency to receive redemptions from QUX Pay®.

What's the process for crypto redemption?

Deposit funds, convert to QUX eTokens®, navigate to “Redeem Crypto,” select cryptocurrency, enter your wallet address, and confirm the redemption.

Account Management

How do I change my password?

Log into your account, go to profile settings, select “Edit Password,” enter your current and new passwords, then save changes.

Can I link multiple bank accounts?

Yes. You can associate multiple payment methods with your QUX Pay® account and choose which to use for deposits and redemptions.

How do I update my personal information?

Access your profile settings to update contact information. Identity changes may require additional verification for security.

Can I delete my account?

Yes. Just go to the ‘Settings” menu and click ‘Delete My Account’. Follow the instructions accordingly andensure all QUX eTokens® are redeemed before closing your account.

WWhat happens to unused tokens if I close my account?

Redeem all QUX eTokens® before account closure.

How do I check my transaction history?

Your transaction history is available in the app under “Transactions” or on the web platform dashboard.

Can I download my transaction records?

Yes. Transaction history can be downloaded for your personal records and tax reporting purposes.

Can my spouse and I share an account?

No. Each person needs their own account with their own verification. Sharing an account is a violation of our Terms of Service.

Technical & App Issues

What devices support QUX Pay®?

iOS app, Android app, and web browser access at quxpay.com. Compatible with smartphones, tablets, and computers.

Do I need internet to use QUX Pay®?

Yes. QUX Pay® requires internet connection for all transactions and account access.

What if the app won't load?

Try restarting the app, checking your internet connection, or accessing via web browser. Contact support if problems persist.

How do I update the app?

Download updates through your device’s app store. We recommend keeping the app updated for best security and performance.

What browsers support the web platform?

Currently, Modern browsers including Chrome, Firefox, Safari, and Edge.

Can I use QUX Pay® on multiple devices?

Yes. Log into your account from any supported device using your credentials.

Do you have a desktop app?

No desktop app, but the website (quxpay.com) currently works on any browser including Chrome, Firefox, Safari, and Edge.

What if I can't scan a QR code?

Make sure your camera has permission. Try better lighting or manual entry of payment details.

Why is the app running slow?

Check your internet connection. Try closing and reopening the app. Contact support if problems continue.

Family & Personal Use

Can I send money to my kids?

Yes, if they’re 15+ and have their own verified QUX Pay® account. Transfers are instant.

Can I request money from someone?

Generate a QR code with the amount needed. They scan and choose whether to pay.

What if someone sends me money by mistake?

You’d need to send it back manually. Transactions can’t be automatically reversed.

Can someone else see how much money I have?

No. Your balance is private. Other users can’t see your token amount. The only way someone else can see your balance is if you’ve linked a child account and enabled balance sharing in its settings. Note that your child won’t be able to see your balance, but you can see theirs if this setting is turned on.

What happens if I try to spend more QUX eTokens® than I have?

The transaction will fail. You can’t overdraft or go negative.

Common Scenarios & Troubleshooting

What if someone gets my password?

Change it immediately in account settings. Contact support if you see unauthorized transactions.

What if I accidentally send $1000 instead of $100?

Double-check amounts before confirming. Transactions are final, but contact support immediately for possible help.

What if the app shows the wrong balance?

Check your transaction history first, then contact support with specific details.

What if I suspect fraud on my account?

Contact support immediately: (877) 700-0789.

Change your password and check all transactions.

What if my internet cuts out during a payment?

The transaction either completes or fails completely. Check your transaction history to confirm.

What if QUX Technologies goes out of business?

Your money would be returned per financial regulations, but this is why we maintain compliance and transparency.

What if I need money immediately and banks are closed?

QUX Pay® works 24/7, but you need QUX eTokens® already in your account. Redemption to your bank might take time.

International & Travel

Can I use this while traveling abroad?

If you’re a US resident with a US account, yes. But remember it’s US-only service.

Can foreign friends send me money?

No. QUX Pay® is currently US-only. They’d need to be US residents with US bank accounts.

What about currency exchange?

QUX Pay® only works in USD. No foreign currency exchange available.

Legal & Compliance

What regulations does QUX Pay® follow?

We maintain KYC standards, AML compliance, and U.S. Department of Treasury FinCEN compliance through internal audits of all transactions.

Do I need to report QUX Pay® transactions on taxes?

Yes. You’re responsible for reporting transactions in accordance with applicable tax laws. Users who redeem over $600 in a year will receive a 1099-K or 1099-MISC form and must complete a W-9 online through our documentation service.

What records should I keep?

Keep records of all QUX eToken® purchases, redemptions, and transactions for tax reporting purposes.

Is QUX Pay® FDIC insured?

QUX Pay® is not a bank and doesn’t offer FDIC insurance.

What if regulatory requirements change?

We continuously update our compliance practices to meet all applicable regulations and will notify users of any changes that affect their accounts.

Do you cooperate with law enforcement?

We comply with all legal requirements and court orders while maintaining user privacy within legal bounds.

Comparisons & Alternatives

Why not just use other apps?

Other “fintech” apps still go through your bank and create trackable records. QUX Pay® provides actual privacy.

How is this different from prepaid cards?

Prepaid cards can be tracked and have fees. QUX Pay® provides true digital privacy with lower fees.

Why not just use cryptocurrency directly?

Crypto is complicated, volatile, and has public transaction records. QUX Pay® is simple, stable, and private.

What about other "privacy" payment apps?

Most “privacy” apps still collect data. Read their privacy policies carefully. QUX Pay® explicitly doesn’t track purchases.

Point of Sale (POS) & E-commerce Integration

What POS and e-commerce integrations are available?

QUX Pay® offers comprehensive integration solutions including:

WordPress and WooCommerce plugins for e-commerce sites
API documentation for custom integrations
Complete purchase flow implementation including product display, pricing, and confirmation
QUX eToken® integration for all monetary transactions
Developer tools and plugins for accepting QUX eToken® payments.

Github Repository https://github.com/QUX-Official

How do I integrate QUX Pay® into my existing e-commerce platform?

Contact support for merchant account setup. We provide integration tools, APIs, and plugins that allow seamless integration with your existing systems while maintaining transaction privacy.

Can I generate purchase orders (POs) through QUX Pay®?

Yes, corporate accounts support purchase order processing and bulk payment capabilities for business transactions. Contact support for business account setup and PO functionality.

What technical requirements exist for POS integration?

Integrations must:

Use only publicly documented QUX® Platform APIs
Implement secure QUX eToken® handling practices
Follow complete purchase flow documentation
Include proper price display (with all taxes and fees)
Implement purchase confirmation processes
Maintain transaction security and user privacy

Do you support Volume Purchase Programs?

Yes, volume purchase programs are available for qualifying business accounts. These may include special pricing, bulk processing capabilities, and enhanced merchant features.

Additional Features

What is QUXStore™?

QUXStore™ is our e-commerce platform where you can use QUX eTokens® to purchase products while maintaining transaction privacy.

How does QR code payment work?

Generate a QR code for payments in your app. Recipients scan the code to receive payment details and complete the transaction instantly.

Can I schedule recurring payments?

Contact support for information about scheduled or recurring payment options for business accounts.

What payment methods can I use to buy QUX eTokens®?

Bank transfers, credit cards, and debit cards are supported for purchasing QUX eTokens®.

Is there a referral program?

Check our blog and current promotions for information about referral programs and bonuses.

Support & Contact

How do I contact support?

Email: info@quxpay.com

Phone: (877) 700-0789,

Business hours: 9am-7pm EST, Monday through Friday.

What information should I include when contacting support?

Your account email, description of the issue, relevant transaction IDs, and any error messages you received.

Do you have live chat support?

Contact our support team during business hours via phone or email for immediate assistance.

Where can I find user guides?

Visit blog.quxpay.com for comprehensive guides, tutorials, and feature explanations.

What if I have a complaint?

Contact support with detailed information about your concern. We’re committed to resolving issues promptly and fairly.

Can I request new features?

Yes. We welcome user feedback and feature suggestions. Submit requests through our support channels.

Why Become a Merchant on QUX®?

As a merchant on our platform, you are joining a dynamic ecosystem designed to amplify your business reach, streamline your operations, and enhance your customer engagement. Here’s why you should become a QUX® merchant:

Expanded Reach: Tap into a vast and diverse audience base, expanding your market reach beyond geographical limitations. QUX® provides you with the platform to showcase your products and services to a global audience.
Enhanced Security: Benefit from our state-of-the-art security measures, including 2-Factor Authentication (2FA) and secure payment gateways, ensuring that your transactions are safe and your customers’ data is protected.
Innovative Tools: Gain access to a suite of innovative tools designed to optimize your business operations. From advanced analytics to seamless inventory management, QUX.tv equips you with everything you need to grow your business efficiently.
Customer Engagement: Foster stronger connections with your customers through
personalized interactions and tailored marketing strategies. The QUX® platform enables you to create meaningful relationships with your audience, driving loyalty and repeat business.
Seamless Integration: Enjoy easy integration with various payment methods and third-party services, simplifying the process of managing your business. QUX® ensures that you can focus on what you do best – running your business – while we handle the technicalities.
Support and Community: Join a supportive community of like-minded merchants and benefit from our dedicated customer support team. Whether you’re facing a technical issue or need advice on best practices, QUX® is here to assist you every step of the way.

How to Become a Merchant

QUX Pay® How to Become a Merchant

Download Full FAQ & Guide

Download

QUX Pay®
8350 N. Central Expressway
Suite 1900
Dallas, TX 75206

info@quxtech.tv
(877)-700-0789

Legal

Refunds

Blog

FAQs

QUXPay.com

Business Hours
9am – 7pm EST,
Monday to Friday

QUX Technologies, Inc.™, Inc maintains a “Know Your Customer” (KYC) standard designed to protect financial institutions against fraud, corruption, money laundering and terrorist financing. QUX Technologies, Inc.™, KYC policy involves several steps to 1) establish customer identity; 2) understand the nature of user’s activities and qualify that sources of funds are legitimate; and 3) assess money laundering risks associated with users.

QUX Technologies, Inc.™, QUX eToken® and QUX Pay® are not a bank, but rather are financial technology companies.

Nothing contained in this website constitutes legal advice by these related companies. You are encouraged to consult with your legal advisors to evaluate all information provided.

QUX Technologies, Inc.™ maintains compliance with Anti-Money Laundering laws (AML) and U.S. Department of Treasury’s Financial Crimes Enforcement Network (FinCEN) through internal audits of all QUX eToken® purchases and redemptions. All users of QUX eToken® who redeem over $600 per year shall receive a 1099-K or 1099-Misc form at the end of the year.

QUX eToken® are only integral to QUX Pay® and QUXStore™. The sale of QUX eToken® does not constitute money transmission services. Purchases of QUX eToken® are necessary to use QUX Pay® and QUXStore™.

In order to use QUX eToken®, one must register and create an account through QUX Pay® or the QUX® General Dashboard. QUX eToken® can only be purchased or redeemed through a registered user’s bank account(s). QUX Pay® and QUXStore™ can only be used to purchase or redeem QUX eToken® through QUX Technologies, Inc.™

QUX Technologies, Inc.™ limits the purchase of QUX eToken® of any user to 2,000 in any one day. QUX eToken®, QUX Pay® and QUXStore™ policies and procedures limited QUX eToken® redemptions to 10,000 or less from any one user in any one day.

QUX Technologies, Inc.™, QUX eToken® and QUX Pay® have a Privacy Policy that the collection and use of information that is collected as data will not be distributed to third parties without consent of the customer. QUX Technologies, Inc.™, QUX eToken® andQUX Pay® do not have regulator endorsements, implied or expressed related to information contained herein or related to QUX Technologies, Inc.™, QUX eToken® and QUX Pay®.

QUX Technologies, Inc.™, QUX eToken® and QUX Pay® strive to insure that its services are accessible to people with disabilities.

Additional fees for securities may apply such as regulatory fees and fees to transfer securities externally. Please see our House Rules for more information.