Terms & Conditions

In these Terms, the following definitions apply:

• •"Platform" — the QrX web application, mobile application, management portal, APIs and all related tools and services provided by QrX.
• •"Merchant" — any business entity or sole trader that uses QrX to collect payments from its customers.
• •"Customer" or "Consumer" — an end-user who makes a payment to a Merchant through the QrX system.
• •"Carrier" — a delivery or logistics company that participates in QrX On Delivery payment flows.
• •"PSP" (Payment Service Provider) — a licensed payment institution integrated with QrX that processes financial transactions, including Stripe, Mollie, MultiSafePay, IcePay and Pay.nl.
• •"Services" — all products, features and functionalities provided by QrX, including but not limited to QR-based payments, point-of-sale solutions, digital wallets, social commerce features and delivery payment coordination.
• •"Data Processing Addendum" or "DPA" (verwerkersovereenkomst) means the addendum published at qr-x.info/data-processing-addendum, which forms part of these Terms whenever QrX processes personal data as processor for a Merchant.

QrX provides a technology platform that enables merchants to collect digital payments. Our services include:

• •QR code generation and management for payment collection at point of delivery, in-store and online.
• •Payment processing through integrated PSPs supporting card payments, bank transfers, iDEAL, Bancontact and other local payment methods.
• •QrX On Delivery — a payment-at-the-door solution where customers scan a QR code on their parcel and pay via their own device.
• •Merchant management portal with real-time transaction monitoring, analytics, reporting and reconciliation tools.
• •Integration with e-commerce platforms (including Shopify), carrier systems (UPS, GLS, Peddler) and warehouse management systems.
• •Point-of-sale (POS) solutions, digital wallet features, social commerce capabilities and ordering system management.

QrX is a technology provider. Payment processing is performed by licensed payment institutions. Those partners have their own terms and policies which may also apply to you.

To use QrX Services, you must register an account. By registering, you agree to:

• •Provide accurate, complete and current registration information, including your legal business name, registration number and contact details.
• •Maintain the security and confidentiality of your account credentials, API keys and PIN codes. You are responsible for all activities conducted under your account.
• •Notify us immediately at support@qr-x.me of any unauthorised access, security breach or suspected compromise of your account.
• •Keep your account information up to date, including contact details, business registration and billing information.

We may request additional documentation, conduct due diligence checks and cooperate with payment partners to verify your eligibility. We reserve the right to refuse or revoke access if verification requirements are not met.

You must not use the Services for any unlawful or prohibited purpose. Specifically, you may not:

• •Use the Services for activities that are illegal, fraudulent, deceptive, misleading or harmful in any jurisdiction.
• •Sell goods or services that are prohibited by law, our payment partners' acceptable use policies or our own guidelines.
• •Attempt to gain unauthorised access to QrX systems, other users' accounts, or the systems of our partners and service providers.
• •Reverse-engineer, decompile, disassemble or otherwise attempt to derive the source code of any part of the Platform.
• •Use the Services in a manner that could damage, disable, overburden or impair the Platform, or interfere with other users' access.

We may suspend or terminate your access immediately if we reasonably believe you are involved in prohibited activities, without prejudice to any other rights or remedies available to us.

QrX charges transaction fees and/or service fees as agreed in your merchant agreement. All fees are exclusive of VAT and other applicable taxes unless stated otherwise. Payment settlement is handled by our integrated PSPs according to the schedule and conditions defined in your agreement. QrX reserves the right to adjust pricing with a minimum of 30 days' written notice. Outstanding balances are due immediately upon termination of your account.

QrX B.V. is not a bank, electronic money institution or licensed payment service provider. Consumer payments are collected by licensed payment service providers (currently Mollie, Stripe and/or MultiSafepay). QrX provides the software, QR flow and merchant tools around those payments. Settlement timing, chargebacks and payment-method rules follow the PSP's terms and the merchant agreement.

QrX processes personal data to provide the Services in line with our Privacy Policy and applicable data protection law, including the GDPR. By using the Services you confirm that you have read our Privacy Policy and that you meet your own obligations as controller or processor. Where QrX processes personal data on behalf of a Merchant (in particular consignee and Payment on Delivery data), QrX is processor and the Merchant is controller. The Data Processing Addendum then applies automatically and forms part of these Terms.

The processor terms required by Article 28 GDPR are set out in our Data Processing Addendum.

These Terms and any non-contractual obligations arising from them are governed exclusively by the laws of The Netherlands. Any disputes arising from or in connection with these Terms shall be submitted to the exclusive jurisdiction of the competent courts in Gelderland, The Netherlands, unless mandatory law provides otherwise. The applicability of the United Nations Convention on Contracts for the International Sale of Goods (CISG) is explicitly excluded.

These Terms are provided in several languages. If there is a conflict between a translation and the Dutch text, the Dutch version prevails, except where mandatory local consumer law requires otherwise.