Updated 2/5/2026

These Terms of Service (“Terms”) govern access to and use of the QuixChex platform, software, and related services (collectively, the “Services”) provided by QuixChex (“QuixChex,” “we,” “us,” or “our”). By registering for or using the Services, you (“Dealer,” “Originator,” “Customer,” “you,” or “your”) agree to be bound by these Terms.

1. Role Clarification and Network Status

QuixChex provides software that facilitates invoicing, billing, payment scheduling, and transaction workflows.

• QuixChex is not a bank, Originating Depository Financial Institution (“ODFI”), Receiving Depository Financial Institution (“RDFI”), Third-Party Sender, or Third-Party Service Provider as defined by the NACHA Operating Rules.
• Dealers are the Originators of all ACH entries initiated using the Services.
• ACH, credit card, and debit card transactions are processed through third-party financial institutions and payment processors selected or approved by the Dealer.

QuixChex does not originate, transmit, settle, escrow, or hold funds.

2. Eligibility, Authority, and Account Responsibilities

You represent, warrant, and agree that: – You are duly organized, validly existing, and in good standing under applicable law. – You have full authority to enter into and perform under these Terms. – You have obtained all approvals, authorizations, and registrations required to originate ACH entries and accept card payments. – Your use of the Services complies with all applicable federal and state laws, card network rules, and NACHA Operating Rules. – You are responsible for maintaining the confidentiality of account credentials and all activity conducted under your account.

3. ACH Authorization Requirements

3.1 Authorization Standards

Dealer represents, warrants, and agrees that: – Each ACH entry is supported by a valid, enforceable authorization obtained prior to initiation. – Authorizations comply with NACHA requirements, including: – Clear disclosure of amount, timing, and frequency – Permitted authorization methods (written, electronic, or similarly authenticated) – Customer identification and affirmative consent – Authorizations are retained for the period required by NACHA and applicable law.

Dealer shall provide copies of authorizations within two (2) business days of request by QuixChex, an ODFI, payment processor, card network, or regulatory authority.

3.2 Revocation and Change Management

Dealer agrees to: – Immediately cease initiating entries upon revocation of authorization – Promptly update billing schedules to reflect authorization changes – Maintain procedures preventing re-initiation after revocation

4. Transaction Integrity, Card Payments, and Data Accuracy

Dealer is solely responsible for: – Accuracy of routing numbers, account numbers, card details, and transaction information – Proper use of SEC codes (including PPD, CCD, WEB) – Ensuring all transactions reflect authorized amounts and schedules – Compliance with applicable card network rules regarding chargebacks, refunds, and disputes

QuixChex relies entirely on Dealer-provided data and performs no independent verification of transaction information.

5. Return Rates, Chargebacks, Thresholds, and Monitoring

Dealer acknowledges that excessive ACH returns or card chargebacks may result in increased scrutiny, restrictions, or termination.

Dealer agrees to maintain return rates within NACHA thresholds, including but not limited to: – Unauthorized Returns (R05, R07, R10, R29): ≤ 0.5% – Administrative Returns (R02, R03, R04): ≤ 3.0% – Overall ACH Return Rate: ≤ 15.0%

QuixChex reserves the right to: – Monitor transaction activity and return rates – Impose transaction limits, rolling reserves, velocity controls, or scheduling restrictions – Suspend or terminate accounts exceeding acceptable risk thresholds

6. Audit, Oversight, and Information Rights

Dealer agrees that QuixChex, its processors, sponsor banks, card networks, or ODFIs may: – Conduct audits or compliance reviews of Dealer practices – Request documentation relating to authorizations, billing practices, refunds, or customer complaints – Require corrective action plans or enhanced controls

Failure to cooperate may result in immediate suspension or termination.

7. Risk Controls and Account Restrictions

QuixChex may, in its sole discretion and without prior notice: – Implement dollar caps, velocity limits, or scheduling restrictions – Delay, restrict, or block transaction initiation – Require enhanced underwriting, due diligence, or reserve requirements

Such controls may be imposed to satisfy compliance, risk management, or partner obligations.

8. Fees, Returns, Chargebacks, and Financial Responsibility

Dealer is financially responsible for: – Returned ACH entries – Card chargebacks, reversals, and refunds – Network fines, penalties, or assessments – Costs incurred by QuixChex or its partners arising from Dealer activity

All fees are non-refundable unless expressly stated otherwise in writing.

9. Regulatory and Legal Compliance

Dealer agrees to comply with: – NACHA Operating Rules – Applicable card network rules – Federal and state banking and consumer protection laws – Data privacy and information security requirements

Violations may result in reporting to processors, financial institutions, or regulators.

10. Suspension and Termination

QuixChex may suspend or terminate access to the Services if: – Dealer violates these Terms or applicable law – Transaction activity poses regulatory, financial, or reputational risk – Required documentation or cooperation is not provided

Termination does not relieve Dealer of accrued financial or legal obligations.

11. Disclaimer of Warranties

The Services are provided “AS IS” and “AS AVAILABLE.” QuixChex disclaims all warranties, express or implied, including warranties regarding transaction success, settlement timing, or acceptance by any network or financial institution.

12. Limitation of Liability

To the maximum extent permitted by law, QuixChex shall not be liable for: – ACH returns, card chargebacks, or unauthorized transactions – Regulatory actions arising from Dealer conduct – Indirect, incidental, consequential, or punitive damages

QuixChex’s total liability shall not exceed the fees paid by Dealer to QuixChex in the twelve (12) months preceding the claim.

13. Indemnification

Dealer agrees to indemnify and hold harmless QuixChex, its processors, sponsor banks, card networks, and financial partners from all claims, losses, damages, fines, penalties, or costs arising from: – Unauthorized or improper ACH or card activity – NACHA or card network rule violations – Customer disputes or regulatory enforcement actions

14. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of South Carolina, United States, without regard to conflict of law principles.

15. Contact Information

QuixChex Compliance Team
Email: compliance@quixchex.com / compliance@quixchex.net
Website: https://quixchex.com / https://quixchex.net

Data Processing Addendum (DPA)

This Data Processing Addendum (“DPA”) forms part of the Terms of Service and applies to the processing of Personal Data in connection with the Services.

1. Roles of the Parties

Dealer acts as the data controller. QuixChex acts as a data processor with respect to Personal Data processed on Dealer’s behalf.

2. Scope and Purpose

Personal Data is processed solely to provide the Services, facilitate transactions, comply with legal obligations, and follow documented Dealer instructions.

3. Security Measures

QuixChex maintains administrative, technical, and physical safeguards aligned with financial services standards, including encryption, access controls, monitoring, and incident response procedures.

4. Subprocessors

Dealer authorizes QuixChex to engage subprocessors subject to confidentiality and data protection obligations no less protective than those set forth herein.

5. Data Breach Notification

QuixChex will notify Dealer without undue delay following confirmation of a Personal Data breach, consistent with applicable law.

6. Data Retention and Deletion

Upon termination of the Services, Personal Data will be deleted or returned unless retention is required by law.

7. Governing Law

This DPA is governed by the laws of the State of South Carolina, United States, consistent with the Terms of Service.