General Questions

  • How is the QRUZ Pay Product Line different from other mobile payment options, like Venmo or PayPal?

    The QRUZ Pay Product Line is unbreachable and unskimmable. It is easily deployed for retailers without any hardware upgrades. Unlike PayPal and Venmo, this one system can be used for person-to-person (p2p) payments, payments in store, ATM withdrawals, and e-commerce.

  • How is QRUZ Pay different from other digital wallets, such as Apple Pay?

    QRUZ Pay is different from other digital wallets such as Apple Pay because QRUZ Pay is phone and card agnostic. QRUZ works with any phone and has no limitations on the cards that may be used with the technology. QRUZ also does not store any personal or account information on the phone.

  • How does the technology work?

    The QRUZ Pay app is installed on the phone. At any point during a transaction, the QR code is scanned at checkout to identify the merchant. The QRUZ system contacts the bank and the remainder of the transaction occurs in the secure cloud without any consumer information being transmitted during the transaction.

  • How secure is QRUZ Pay?

    QRUZ Pay is 100% secure. At no point during the transaction is card data stored, transmitted, or shared by the merchant. QRUZ believes that there is no need for a retailer to capture account information from consumers, as it leaves room for that information to be exploited. The only information that is ever in transit between the retailer and financial institution is the dollar amount and the date and time of the transaction.

Financial Institutions

  • What do I need to do to implement QRUZ Pay for my customers?

    QRUZ Pay is a simple software update to their POS systems and an add-on feature to their existing consumer app.

  • What customer information does QRUZ Pay capture during transactions?

    No customer information is captured beyond the dollar amount, location, date, and time of the transaction. All personal information remains with the financial institution. It is never shared with the retailer.

  • What do I need to do to implement QRUZ Pay with retailers?

    All that is needed is a remote software update with the QRUZ API and retailers will receive QR code decals with their unique IDs to display at the register.


  • How does the technology capture payments from my POS system?

    Once the customer scans the retailer’s QR code, the QRUZ system will open a communication line with the bank. The bank will then identify the retailer and retrieve the amount of the transaction. All payments are then processed like normal.

  • What do I need to do to install QRUZ Pay?

    Merchants need to contact their processor to enable QRUZ Pay, or use the mPOS feature, which allows the merchant to use QRUZ Pay via a mobile point-of-sale system.

  • Is there any additional hardware I need to install?

    No additional hardware is needed.

  • How does QRUZ Pay handle refunds?

    Refunds are processed the same way they are currently processed. QRUZ Pay handles sales, authorizations, and pre-authorizations.


  • What do I need to install to use QRUZ Pay?

    QRUZ Pay will be able to be installed on any smart phone. If a legacy phone is being used, as long as a QRUZ Pay account exists, it can be used via SMS.

  • Will the transaction still appear in my bank statements the same as with a traditional credit card charge?

    Yes, the transaction will still appear in bank statements as it would with any other charge.

  • What personal information does QRUZ Pay capture?

    QRUZ Pay does not capture any personal information from the consumer once the account is established.

  • Does the technology work if I have no cell service or Wi-Fi?

    No, the technology requires cell service or internet access, unless the customer is paying via landline.

  • Is there a cost involved to use QRUZ Pay?

    No, there are no costs involved to use QRUZ Pay.