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Payments & collections

Money in.Money moving.

Collect revenue, make payments, issue refunds and convert to stablecoins through one regulated digital money account.

Request a demo See how it works
Collect payment-provider settlements into a Quantoz account. Hold funds, pay, refund or optionally convert to EURQ and USDQ tokens.

01 / Collections

Revenue in.
Ready for the next payment.

Collect your business revenue through a dedicated virtual IBAN.

Two ways to collect

Customer bank payments

Receive bank transfers or create a euro Open Banking payment link. Customers pay from their bank without needing a Quantoz account.

Payment-provider settlements

Receive sales revenue from an existing payment provider, including card payments. Card processing stays with the provider.

02 / E-money checkout

Add e-money
to checkout.

For payment providers, acquirers and checkout platforms.

From shopper to merchant
  1. Shopper

    Chooses e-money

    Pays from an e-money balance or token wallet.

  2. Payment provider

    Initiates payment

    Connects checkout to Quantoz.

  3. Merchant

    Receives e-money

    In its own Quantoz account, in seconds, 24/7.

    Token payments follow network confirmation times.

Payment provider
Manages merchant contracts, pricing and the checkout experience.
Quantoz
Provides the accounts, issues the e-money and redeems it.

No card scheme or interchange costs apply to the e-money payment; other service and network fees may apply.

03 / Refunds

Give shoppers
a choice of refund.

Retailers can offer e-money alongside a refund to the original payment method. Shoppers who choose e-money receive it in their own Quantoz account.

Return approvedThe shopper chooses how to be refunded

Original payment method

Timing depends on the payment method.

or

E-money refund

  1. Complete Quantoz onboarding

    If not already completed.

  2. Receive the refund immediately

    Credited to the shopper's Quantoz account.

  • Spend
  • Send
  • Withdraw to bank

Bank withdrawals follow bank processing times.

04 / Send payments

Pay a Quantoz account.
Or a blockchain wallet.

Pay a Quantoz account

E-money balance

QuantozAccount to account
Your account
Their account
RecipientAnother Quantoz customer
Under 1 second, 24/7
Private account record
How Quantoz accounts work

Pay a blockchain wallet

EURQ / USDQ tokens

Public blockchain network
Your tokens
Their wallet
RecipientCompatible wallet

No Quantoz account required

In seconds, 24/7

Subject to network confirmation

Public blockchain record
Tokens & supported networks

05 / Integration & control

Move money.
Keep control.

Operate in a browser or connect your business systems.

Web portal

Single & batch payments
In your browser

Payment instructions
Confirmations
API integration

Payments from
business systems

Payment instructions
Confirmations
Payment instructions
Confirmations

Questions before you start.

Who needs a Quantoz account?How accounts and wallets work
How does conversion work?

Convert on request, or set a percentage of incoming revenue to convert automatically into EURQ or USDQ. If currency conversion is needed, it happens before token issuance, at the rate fixed when the conversion is instructed.

How token issuance works
How are collection fees and merchant pricing agreed?

Collections carry a percentage fee on the amount received, with a minimum per transaction. Commercial terms depend on volumes, currencies, rails and enabled functions. In an embedded checkout, the payment provider sets its own merchant pricing. Other applicable service and network charges are separate.

How pricing works
What needs to be agreed before going live?

Onboarding, currencies, jurisdictions, limits and the functions your account can use. Test the complete payment flow before production activity.

Explore the integration route
Whose revenue can I collect?

Collections are for revenue from goods and services your business sells, including settlements from its payment providers. This account is not for collecting money on behalf of other businesses. Own-account funding is a separate function.

Explore merchant accounts through an embedded arrangement
Can I return a bank collection?

Where collections and collection refunds are enabled, a euro collection refund goes back to the IBAN it came from. This is separate from offering a shopper an e-money refund.

Collection and refund functions

Build with Quantoz

Make every payment
part of one flow.

Request a demo
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