Good question. There are no wallets, and users don't have to go to QUID to signup beforehand.

One integrated, the payment flow is smooth -- they click pay on your site, it pops up a credit-card entry form, with an e-mail textbox for signup. Once verified, the goods are paid for and you get a signed receipt to deliver your content. (User's cards are charged after they hit a payment threshold.)

More about it on our knowledge base: https://how.quid.works

(Also good point, we'll make that clearer on our site.)