Payments, Wallet, Earnings & Settlement Policy

1. Scope and status

This Policy explains money-related workflows in the QwickPe Platform and forms part of the Terms of Service. QwickPe is a technology marketplace, not a bank, NBFC, card issuer, lender, deposit-taker, prepaid payment instrument or independent payment system. Payment collection, processing, refund and payout, where enabled, use identified banks or authorised Payment Partners and remain subject to their terms and regulatory requirements.

The QwickPe Wallet is an internal ledger showing the status of Platform amounts. It is not a general-purpose account, does not earn interest, cannot be transferred user-to-user outside an authorised Deal and is not protected as a bank deposit. Labels such as balance, locked, unlocked, earning, credit or refund describe accounting state and do not by themselves create an immediately payable debt.

2. Transaction quote and consent

Before a Buyer commits, the live confirmation should show the amount then known: product/Deal amount, Wallet use, payment or convenience charge, Merchant/offer handling charge, PRO component, referral discount, total payable, estimated saving and relevant refund treatment. A Cardholder should see the Merchant amount, eligible card/bank, estimated earning and settlement conditions before accepting/completing the Deal.

Quotes are calculated from current product price, bank offer, Merchant fee, payment method, PRO/referral status and server rules. They can change before final confirmation. A screenshot, marketing calculator or notification is not a binding quote. The server-authoritative confirmation and provider result control, subject to correction of manifest error and mandatory law.

3. Payment Partner authorisation

A provider payment may move through created, authorised, captured, failed, refunded or other provider states. QwickPe may receive a token/reference, provider order/payment ID, amount, currency, method, status, fee, tax and failure/reconciliation information. Sensitive credentials entered into the provider interface are governed by that provider; QwickPe does not ask you to disclose CVV, card PIN, UPI PIN or OTP to support or another user.

QwickPe may verify a provider signature/webhook and independently fetch status before crediting a Deal. Closing the app does not necessarily cancel a provider payment. A user must not manipulate callbacks, reuse another person's provider order, bypass authentication or submit a forged success screen.

4. Payment states and duplicate prevention

Idempotency and unique provider references help prevent repeated charging. If you see two debits, submit both bank/provider references; we will distinguish duplicate capture from a temporary authorisation hold.

5. Wallet ledger states

• Locked balance: provisional earning or amount held through delivery, return, refund, dispute, fraud and settlement checks.
• Uncleared balance: recorded but not yet eligible to enter normal settlement, including an unresolved Merchant/issuer condition.
• Unlocked balance: eligible for supported Wallet use or withdrawal, subject to identity, bank, security, minimum/maximum and risk checks.
• Pending withdrawal: an unlocked amount reserved after a request while approval, bank processing or payout confirmation is pending. It cannot be spent twice.
• Total balance: a summary derived from relevant ledger components, not necessarily the amount immediately withdrawable.
• Test balance: a sandbox/test-mode record with no real-money value and no withdrawal right.

Wallet entries are rounded to supported currency precision and carry a description/reference. QwickPe may correct a mathematical, duplicate or posting error with an equal-and-opposite audit entry rather than silently rewriting history.

6. Cardholder earnings

An estimated earning is conditional on authorised card use, successful Merchant order, truthful evidence, Buyer payment, absence of cancellation/return/refund/chargeback, expiry of the applicable risk window and final settlement. Reward points or issuer cashback belong under issuer rules and are not guaranteed by QwickPe. Interest, annual fee, EMI cost, late fee, taxes and card repayment remain the Cardholder's responsibility.

QwickPe does not guarantee employment, wages, passive income or a particular monthly return. Marketing examples and “earn up to” figures are scenarios subject to Deal supply, card eligibility, limits and successful completion.

7. Settlement and unlock

Settlement may begin after confirmed delivery and the later of the relevant Merchant return window, expected refund/cashback risk period and any displayed safety period. QwickPe verifies that the Deal is not cancelled/returned/disputed, calculates the server-authoritative split, caps settlement at verified funding where necessary, records adjustment/referral/PRO effects and produces an invoice/ledger record where applicable.

A timer is an estimate. Weekends, provider outage, late Merchant data, partial shipment, fraud review or manual evidence can delay settlement. If a state is stuck, support can review it; an administrator may not mark funds unlocked without the required audited settlement action.

8. Withdrawals

1. Add or select your own accurate beneficiary/bank details.
2. Use only available unlocked balance and comply with the displayed limits and charges, if any.
3. Confirm with the transaction PIN and/or fresh OTP; an authorisation token may expire within minutes.
4. The requested amount moves to pending withdrawal while reviewed/processed.
5. On approval and successful payout it is finalised; on rejection/failure it is returned to unlocked balance with a reason/audit record, unless a lawful hold or adjustment applies.

We may pause withdrawals for mismatched beneficiary data, compromised account, pending Deal refund, referral adjustment, sanctions/legal requirement, unusual pattern or technical reconciliation. We will not ask you to pay an off-platform “release fee”. The displayed beneficiary and payout reference must be checked before confirmation.

9. Fees and taxes

Mandatory charges must be displayed before confirmation and are not added through a preselected optional item. A payment/convenience charge reflects supported payment processing and may vary by method. A Merchant handling charge is controlled by the Merchant/offer context. QwickPe platform/PRO charges are identified separately where applicable. GST or other tax treatment follows the actual supply and invoice.

Cardholder earnings, rewards or referral income may be taxable. QwickPe may request tax information, issue a statement/certificate, deduct or report tax where law requires. Users should obtain independent tax advice. An example marked “after fee” or “net” is still subject to personal tax.

10. Cancellations, returns and reversals

The Cancellation, Return, Replacement & Refund Policy explains detailed outcomes. A cancellation can release an unused reservation; a Merchant return can create a refund to the Cardholder; QwickPe then reconciles the Buyer refund and reverses connected locked earnings. A settled earning may be adjusted for a later valid refund/chargeback or fraud finding. Disclosed provider/handling charges are refundable only as stated and as required by law.

11. Chargebacks, set-off and negative adjustments

When a bank dispute is opened, related amounts may be locked and relevant evidence shared through the Payment Partner. A valid chargeback, duplicate recovery or refund can generate a reversing ledger entry. QwickPe may set off an amount against an available connected balance only where supported by the Deal and law; it will not use an unrelated balance arbitrarily. If the ledger becomes negative because a withdrawn earning is later reversed, new eligible credits may be applied to the documented deficit and the user may appeal.

12. Statements, invoices and discrepancies

You may access supported Wallet/Deal statements and settlement invoices. Review name/address/GSTIN and transaction details before relying on them. Report a discrepancy with the reference, date, amount and expected correction. A generated PDF is a representation of server records at that time; correction may be issued through a revised record or credit/debit entry rather than deletion of the original audit event.

13. Security responsibilities

• Never share OTP, PIN, CVV, full card credentials, password or screen-control access.
• Do not let another user operate your banking/payment app or complete card authentication.
• Use only official QwickPe and provider screens; verify the amount and beneficiary.
• Report a lost SIM/device, unknown login, payment or payout immediately and revoke sessions where available.
• Do not accept payment outside the Platform for a matched Deal or falsify a refund/payment screenshot.

14. Failed service and complaints

For a failed/duplicate/unrecognised payment, locked earning, missing refund or payout, contact support@qwickpe.com with the relevant QwickPe reference and redacted provider proof. We target acknowledgement within 48 hours and follow the Grievance Redressal Policy. You may also approach the relevant bank/Payment Partner and applicable consumer/regulatory forum; QwickPe does not restrict non-waivable remedies.

15. Contact