Zip - Buy Now, Pay Later App Reviews

VERSION
1.199.10
SCORE
4.9
TOTAL RATINGS
489,959
PRICE
Free

Zip - Buy Now, Pay Later App Description & Overview

What is zip - buy now, pay later app? Zip gives savvy shoppers more freedom and flexibility with our buy now, pay later platform. It’s a smarter way to stretch your funds.

SPLIT ANY PURCHASE IN 4².

Shop your favorite brands and pay with your linked account in 4 installments over 6 weeks²…Get approved instantly, with no application forms or hassle³.

PAY LATER WITH ZIP WHERE YOU WANT¹, ONLINE OR IN-STORE

Install our app and use Zip pretty much anywhere¹, you shop—whether online or in-store. Add Zip to your Apple Wallet or Google Pay for easy access.

THE SMART ALTERNATIVE TO CREDIT CARDS

No hard credit checks, and no impact on your credit score—ever. We’ll let you know when installments are due so you’re on top of every payment.

HOW DO I USE ZIP?

1. Install the app and sign up to start shopping³.

2. Search for anything you wish to purchase


3. Enter the amount you’d like to spend (including any taxes or shipping costs!).

4. Your purchase will be split into 4 easy installments over 6 weeks². Easily track your spending, view transaction history, and manage open payments in the app.

5. Update or change your account details, including payment method, any time.

6. Get answers to frequently asked questions and contact our support team directly from the app.

CONNECT WITH US

For daily style tips, lifestyle hacks, and up-and-coming brands you’ll love, follow us on Instagram.

http://instagram.com/zip.us
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Loans through the Zip app are originated by WebBank, except for Zip originated loans in CO, NV, MA and MD.
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¹Zip can only be used for US purchases. Certain merchant, product, goods, and service restrictions apply.

²For a $335 purchase, you’d make four $85.25 payments every two weeks starting today for a 31.11% annual percentage rate and a total of payments of $341. A $6 installment fee is charged at commencement - you pay $1.50 of this fee as a prepaid finance charge when you make your initial payment today. The remaining $4.50 is included in your future payments. Minimum purchase of $35 required. Estimation of installment payment and annual percentage rate excludes potential tax and shipping costs. Installment fees are $4 for purchases from $35 to $99.99, $5 for purchases from $100 to $199.99, and $6 for purchases $200 and above. Zip Pay Anywhere financing through Zip issued by WebBank, except for Zip originated loans in CO, NV, MA, and MD. All loans subject to credit approval.

³Eligibility criteria apply. See payment terms: https://zip.co/us/quadpay-terms-of-service. Loans to California residents, other than loans through the Zip App and Zip Card, are made or arranged pursuant to California Lenders Law license.

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App Name Zip - Buy Now, Pay Later
Category Shopping
Published
Updated 29 January 2024, Monday
File Size 112.97 MB

Zip - Buy Now, Pay Later Comments & Reviews 2024

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THIS APP IS AMAZAINNNNN. Ok I gave a little time to learn the structure of this new app before writing my review. I loveeeeeee QuadPay. This is the first time I can literally say an app saves my life. There’s things I want but can’t get because I don’t have traditional direct deposit, and/or I have multiple cards and it’s just too complicated to just purchase things the traditional way. It’s so transparent! The interface is easy and user-friendly, the least tech savvy person could figure this out. The money comes out when they say it will, how much they say it will, the method they say it will. You always know what to expect. I have yet to learn the dynamics of a return using QuadPay (ie, purchasing a product from eBay, receiving it, then sending it back for a refund) but I mostly use the app to pay my phone bill or buy things for my kiddos! I love you QuadPay. I can breathe easy knowing if a card declines and I’m already at the register (can’t get to atm) I can just pop out QuadPay from my Apple Pay wallet and I’m good! BOOm Pay it back later.

One of the best 4 way payments plan apps. The thing about QuadPay is your not paying interest the payment for whatever you are buying is literally just split in 4 payments every 2 weeks they put the money up front for your purchase but your basically paying back QuadPay if 4 payments. It’s easy just type which item you’d like to shop for and did I mention they have a lot of different stores, stores I didn’t even know about. What I normally do is go to the search page type in “makeup” so many stores with different prices from ulta and Sephora have cheaper prices with the same products. I would of never known without QuadPay. Did I mention every time you spend the amount of money you spend determines the amount you’ll be preapproved for so if you spend 250, ounces it’s all paid up it will go into your pre approved for another purchase. This is a great tool for those trying to get multiple gifts for Christmas and don’t want to spend a lot of only have enough for some at once it’s perfect. Also awesome for moms I have a son and I’m always looking for different clothes and toys and this app has it all. Try it out you definitely won’t regret it. It’s worth it‼️‼️‼️‼️

They will restrict your account for any reason. Afterpay is a better app to use. I didn’t have a great experience with this app. When I first created my account they never gave me a balance just a blank app asking me to check back later for a balance. Once I received my balance I made a few purchases from Walmart and another website. I made all my payments on time. I needed to update my payment information. Once I updated my payment information my account was immediately restricted without any good reasons. I contacted customer service before and after I updated my payment information but they didn’t respond back in a timely manner. A few days later I receive an email saying that they couldn’t verify my purchase or me as the user. My first time using this app was full of crap. The slightest purchase from anyplace can get your account restricted fast. All my payments were on time and paid in full!!! I’ve requested for my account to be deleted from their platform but apparently there is a waiting list for that to lol smh. This app is kind of iffy if I can’t delete my account that I can no longer use. I usually read reviews but quadpay popped up as a payment option right along with Afterpay from a different website. I should’ve just used Afterpay and I would have no issues.

Enjoy it while it lasts.. I downloaded quadpay to try it out, I previously read a review before that mentioned my current issue which I probably should have listened to. I’ve used quad pay for almost 5 months now NO issues...until now one day out of the blue my virtual card disappears, error messages flying, or invalid virtual card pops up. Agent after agent has no idea why, one agent said “your card only appears when you make an purchase” which i was very clear i am still making a payment on items I purchased so thats way wrong. Then i was told my app wasn’t eligible and they were accepting accounts as they come like when you first sign up.. like WHAT? Im way mad by this point but was told “oh! You can go on your computer and shop at stores that use quadpay and order that way.. just not through your mobile app” how does that make since?? At this point you are probably wasting your time having this app, or just enjoy the fun while it lasts. I loved using this app for the convince that I don’t shop but at maybe 1 store in quadpay and the rest i used a one time card.

Amazing APP!! 👏🏽👏🏽. I first used QuadPay when I was going to order some Silicon rings for my husband and I on Enso Rings and it gave me the option to do installment payments. My total wasn’t much (about $80) but I thought to myself that doing 4 payments of $20 every paycheck, since they charge biweekly, was barely going to be noticeable coming out of my account. I did have doubts though. Like if my order would wait to ship until after the installments where all made and how well QuadPay communicated with the merchant but my order came so quickly and I had no issues. Not to mention that if QuadPay hadn’t sent me reminders through text and email a few days before each payment, I wouldn’t have even noticed they charged my account! It’s wonderful. I’ve placed two different orders since then. I did notice that if I spend too long on a website before putting in the payment information, I get an error message when I check out. That’s the only thing I could complain about but it’s really such a small inconvenience compared to how great this app is overall. It’s like a much safer credit card with no interest. I’m very impressed.

Absolutely AWESOME!!. Quad pay is absolutely AWESOME!! They have literally been such a blessing to my family and I and have allowed us to have a bit of financial freedom to pay for EVERYTHING! My budget is super stressed being in nursing school, a mom of three teenagers and with what’s going on in the US right now. I have been so stressed trying to figure out how to pay for bills, food and Christmas coming up. I accidentally came across Quadpay one night while I was in tears searching on Google on places that were like “buy now pay later”. I read the reviews, read what Quadpay was all about and gave it a chance. I signed up and was instantly approved for an extremely generous credit! Seriously, it was so easy to sign up, get verified and start using my Quadpay card! Y’all, I can’t stress enough how easy their entire process is and you can use it every store known to man. Because of Quadpay, I have been able to give my kids an amazing Christmas, buy things for my home I need and all on all with minimum payments. I know a lot of us are struggling right now and need a little help and a little hope. Quadpay is it and they sure are a blessing in a time of need. I am forever greatful and will always be a Quadpay lover 💗

Unprofessional. I thought that I would love QuadPay but nope. I got a one time use virtual card and honestly forgot that it was a one time use card. I know my mistake, i used it for a 71 cent purchase just to make sure all was ok. Me totally forgetting the one time use tried to use it again and of course it was declined. I called customer service to inform them of my mistake so I can make the purchase for the balance that I had but they put a hold on my card and of course charged my account the whole 26$ fee. Which would have been fine if I used the amount that I requested from QuadPay. After several calls and emails, no results not even another virtual card so I could make another purchase since I never used the amount that was allotted to me. They got a payment and I got nothing. I will continue to call and email until things are straightened out. Customer service didn’t know how to help and kept telling me to use the virtual card and I tried to tell them that it was a one time use card and I would need another card to proceed. She didn’t get what I was saying. So while I appreciate the 4 split payments. It shouldn’t be that hard to refund a customer’s money especially when only 71 cent was used out of 100$. Someone please help. Melissa

Poor service. This app would be great if it worked the way it was intended to. I initially use QuadPay for a purchase with primitive and everything went great. I downloaded the app signed up for the card and was on the waiting list. While on the list I used QuadPay through primitive again with no issues. I was able to pay both off no problems. Once I was approved for the QuadPay card I had issues tried to make a purchase at Under Armour and the payment only processed for part of the purchase amount. I couldn’t get the QuadPay app to work so I called Under Armour and canceled the order. They said they will issue the refund. The 3 days Under Armour said it would take for the refund to issue passed and I got an email saying it was issued successfully. QuadPay hasn’t issued my refund for the initial payment, my card was taken away and I was put back on the waiting list. I tried to use the automated messaging system to solve the issue but that didn’t happen. I was prompted to send an email for further support, so I did. It has been almost a week with no response, or refund. Also the QuadPay app now says I’m denied the card and must try again In 30 days. This is unbelievable 4 payed off purchases through this company and one currently open, but they take the card and say I’m denied? I don’t get it. I really did like this company and the app the ability to use it anywhere is great, but now I don’t know if I will even try to use it again.

Pretty neat app. QuadPay is actually the second app I’ve used to make split payments on purchases. I have found that there are actually a number of these that I’d never heard of until now. Anyway, I do like this one better than the other one I had used because of the card you can use. Most of these programs have certain businesses they’re affiliated with that you can purchase from which can be limiting if the place you want to shop from isn’t on the list. I’m assuming that you need to make a purchase through an affiliated company and pay it off before they give you a card balance but once they do, you can request a certain amount (up to the amount they’ll allow. Right now I have 200 I can spend) that you want to use for a purchase and they will create temporary credit card information that you can use anywhere that takes Visa or Amex. They charge a few dollars fee and then you just pay off your balance over the next six weeks like normal. I like to shop from some less mainstream shops so this is great. I was able to buy from YesStyle using my quadpay balance and now I’m super excited just thinking about the different places I want to buy from.

Amazing!!. When I first saw this app (opportunity) I was just ‘window shopping’ online at Famous Footwear. Was thinking I really can’t afford to buy new shoes, but OMG these are so cute lol… anyway I seen the quad pay option thought at first it was a scam or a hoax something like that. when I went to check out I crossed my fingers and prayed to god that I was not getting ready to lose every penny in my account?.!? When it went through just fine took off my card exactly what it said it would and everything since the night I discovered this app has been just fine no surprise withdrawals on my account I was like thank you Jesus!!! and I have shopped again at Wal-Mart online. I feel this app is amazing and with everything that has went on the past 2 years it can really help a lot of people out there that may be having financial problems right now. I am embarrassed to have to say this but I actually had to use it to get some groceries through Wal-Mart online. But if it wasn’t for finding this app and being able to do that last week i may not have ate for a few days… So bless you whoever created this app you have no idea how much you are probably helping a lot of people feed their families. As well as I’m sure this app will make it possible for them to have wonderful holidays this year as well!!! Happy Holidays to you and yours!! Sincerely, Krista

Not worth it. I got this app and wanted to us it on a merchant for an item I’d need for an event at the end of the year. Stock was limited but i didn’t have the money to pay to make sure I got my hands on it. While it was SUPER easy to sign up and I got an instant approval rate, the rest not so much. I went to the app to get my item. Hit “pay with Quad” entered the total and got my payment schedule. Awesome! When I get ready to check out, the card numbers have already gone through. The app decides to refresh and there’s no longer the card numbers. But it never actually gave me numbers either. And Every time you order something you get a new ghost card. I tried to just re-do the order and go for it again. Incomplete because my first order with that merchant is “still in progress” even though the stores checkout said otherwise. Then the app decided to charge my card FIVE times. And that trigger my bank to shut my account down for fraud. I contacted customer support when the app would also no longer accept my card even after the bank approved Quad to withdraw funds. Customer service is a JOKE. She told me to try it through different devices (laptop, tablet etc.) or a different search engine and private mode. Every time I asked to close the account I got no response. Upset, because I REALLY thought this would be THE app. Guess not 🤷🏻‍♀️

Predatory Lending Services. Update: This app continues to get worse and Zip is about as predatory as lenders can be. Had a loan payment due on 6/28 and everything seemed fine. Until I get an email on 6/29 stating that my loan is now in default and that I’m being charged $7 in late fees on a $17 charge because it was one day late. If Zip had sent me an email when the payment didn’t go through I could have corrected it, instead they waited until the next day to notify me that the payment hadn’t gone through and that I was being charged extra because it was over 24 hours late. Previous: Can’t even use the app because of some sort of recent glitch where it won’t allow me to request a new virtual card. It keeps trying to make me use a card that was assigned and used a week ago and has no balance left. Can’t cancel the card, can’t request a new one, basically can’t use the service. Customer service is useless as well. They have two options: Live Chat and send a message, live chat takes 24+ hours to get a response, and if you don’t respond in 5 minutes after waiting 24 hours, they close the ticket. If you use the email feature, you’ll never hear back. It’s been 3 days now since I’ve tried getting this fixed and it’s clearly not something they care about. Just deleting the app, there’s too many competitors out there that offer a service that actually works.

Use to love the app. I started using quad pay December of 2019 when I brought Ugg’s for my girls. When I checked out and seen that option I said to myself why not. The Ugg’s arrived quick, and then I received a notification to download the quad pay app. I downloaded it, and received a message about waiting for approval because there was a waitlist. Then when my linked to the Ugg’s I just brought, and made my first installment I became eligible. I started making purchases, and I was in love with this app. I always paid earlier than the due date, and never missed a payment. Within the last few weeks I noticed that my available credit kept decreasing, and I haven’t been making any purchases. Of course they only have contact through email and live chat so it’s hard describing what the issue is with someone over a chat option verses speaking with someone over the phone. When I spoke with someone they stated that there has been an issue with multiple accounts decreasing the available credit, and their techs are working on it. This is week 4, and still no reply and my available credit is not where it is supposed to be. I use to love Quad Pay, but this really turning me away.

Great App!!. I’ve used QuadPay before when purchasing from affiliated merchants websites. I was a bit apprehensive since I wasn’t too sure how it worked when a return was made. I’m known to change my mind often. Well sure enough I needed to make a return and the whole process was super simple. I recently made another purchase using QuadPay which prompted me to see if there was an app available to better keep track of my payments and purchases. I was happy to see there was so I downloaded the app and to my surprise the app functions even better than expected. It allows you to not only make purchase from the merchant affiliates which are clearly displayed within the app, it provides a credit in which can be used when purchasing from any site. Most can be easily searched in the search field provided, but if for whatever reason you cannot instantly find the site you are searching, there is a google search function that allows you to find any website. Overall very practical and and super convenient. Great concept. Makes purchasing and repayment very easy.

Convenient Christmas. I definitely wanted to leave this review Zip started out with problems couldn’t get it to work they finally got it fixed to do with you purchases paid ahead of time I’m Leica merchants dream pair I pay ahead of time pay it off early go onto the next purchase. Then started giving me problems where both my phone numbers were connected to somebody else’s account. Took a while to get that corrected it wasn’t until I was completely locked out of my own phones but one of the agents said well can’t you get access to another phone number? What?!! What?!! I pay a phone bill every month so someone can use my numbers?! instead of removing my numbers from somebody else’s account. Now… conveniently I can’t make purchases at all …because they saw a “suspicious activity” (haven’t done anything different other than what they’ve advised me) to do and I can’t utilize Zip for Christmas so yeah how convenient is that?!!! my account is under review for suspicious activity huh… haven’t done anything it a sagging thing !!!…but I can’t use it either! so just too bad pretty much that’s what they’re saying. After this huge stunt …I’ll pay off my debts and shake the dust off my feet. People in my household won’t get gifts for Christmas they will have to wait. Zip doesn’t care!! Well I don’t care how many people turn away because of my review!!

DUHHH The BEST APP EVER. So I downloaded this app and used it when they first got started. So here was my experience I went online to purchase some Ugg’s that were about $250 I went directly to the UGG site upon checkout it asked if I wanted to use quad pay at the time I knew nothing about the app but what I did know was that I would be able to break my payments up into 4 installments. Now I was like surly there’s a catch or watch I end up getting charged something extra down the road it just seemed too good to be true. Well my purchase came in the mail and I was able to do the four installment payments. It was smooth and easy. So recently I wanted to order some items for pick up at Walmart and I noticed quad pay has expanded to a bunch of stores and Walmart was one so I tried it again! I really like this app and it is smooth easy and convenient. I’m still learning it but they have it where you can use it in the store they have it like a Visa card attached to it (I’m sure I didn’t explain that part right but you have your own Visa card with the account when using it in the store) if I could give this a 10 I would. Don’t just take my word for it give it a try!

Zip is Legit!. If you are familiar with this app and the avenues, it gives you to purchase the things that you like the most from the vendors you love them most. The payment plans in the agreements are feasible and easy to understand and use I give kudos to the developers of this app and the company for making this app user-friendly and not a lot of jargon to absorb in the financing area. But there was one thing I could point out though, Zip does a hard inquiry on your credit score. And that information is what they use to give you the right credit amount within their app to use for yourself . there’s pros and cons to everything. On the upside, Zip does remain transparent throughout the whole purchase process. What you see is what you get. And Zip is a very good job of making that happen and helping you get what you want, evidently their platform works, and as you can see from the array of major retailers, you get to choose from they have established a great relationships with Zip for your enjoyment and benefit while shopping made easy . Especially take this into consideration in the next couple months when the holiday season is in full swing this will be my number one app to go to for my gifts, sweets, and stocking stuffers to keep my gifts, discreet, and the surprises and smiles, even bigger or Christmas Day. Get the app it’s worth it.

Love it!!. I normally hate shopping because of the time you have to invest in it as well as the money. Zip takes all the anxiety out with clear terms and limits. I started with a small purchase just to test the waters but I plan on using the app/service to help align my monthly bills as much as possible because my due dates are literally all over the place throughout the month and I find myself spending more time managing my bills so I don’t miss due dates than I do actually enjoying the things I’m paying for! I know everyone says, “I never write reviews but…” and I’m going to say it too because I have only submitted a few reviews for apps/products and it was solely for the purpose of telling others to avoid whatever it was or how awful it was. I am not an authority on shopping or apps but I do know what a relief it is to have an app/service work EXACTLY the way it is supposed to work. Hopefully this review helps someone decide to try the app out because I am the type of person who will always read reviews from consumers if they are available.

Easy cash flow. Ok so I read about quad pay online. I applied and initially I was told I could not be approved and I should check back at another time. About 3 months later I randomly checked and I had a limit. So I put it to use. I made my first purchase on Fashionnova. It was so cool to pay for something in bi weekly installments interest free. As I paid that installment off, my limit increased. I am on my fourth purchase and it has been a great help to not have to put out all my money at once. I recently made a purchase at Ikea instore. I tried using the quad pay apple pay but it declined and said I had to make a request in the app first. I did that step but then it showed me the card number to be typed in along with an exp date and CVV number. When I clicked on the apple pay button again which I assumed would then allow me to make the purchase it didnt work 😕. But the ikea rep allowed me to type my card info in on the keypad so the purchase was complete. Please update the app to allow me to switch back over to apple pay once I make the request for my in-store purchase. The button is there but it does not work. Overall, a great app to use!

It’s so EZ.... When I saw the ads for this app honestly at first I was skeptical. Then when I was approved almost immediately for $200 limit just answering a handful of simple non invasive questions I was even more sketch. I needed a new PS4 controller and GameStop was an approved store. I was almost broke that week and thought I’d have to wait a whole couple weeks just to jump on the PS4. Well I got some trade ins together and landed in GameStop and the two employees were completely unaware of any program like QuadPay and made me feel really nervous that I was wasting my time. Finally after explaining what it was again they called another store to see what they said and they totally backed QuadPay and I up. Now neither myself nor the two seasonals had any experience with how it was gonna work or what to do. You just follow the instructions after they give you a total, get in your QuadPay app and select the store you are out and it will ask you to type in the total amount due. Seconds later it shows you yours amount due today then the other 3 installments. Never have I ever got to do the tap thing to pay using my phone but I did with this purchase and it absolutely worked like a dream. Great stuff, alright back to my gaming.

Not happy at all!. Let’s see.. I thought I made a 52$ purchase to test it out first the Order so called went through and took the first out of 4 payments out of my bank account here we are two days later I receive a text said that my 52$ was declined do to the card only had 25$ and I need to requested a new one..I did get another item as well but apparently every single time you make or want to make a purchase you have to put in how much your going to spend before you spend it like why can’t I just buy stuff and pay it back like all the other ones. Yet because the first order wasn’t shipped it didn’t ask me to create another virtual card it so much they don’t explain it’s to many circles to go around to use it. It says it will not take out what you do use yet it charged me and then said it was declined after wards I don’t like it!!! I only wanted to use QuadPay because the have better places to shop the Afterpay that’s why I gave two stars the process of this is to much of a run around now I have to figure out how to get my money back do they even have a live customer service because last I Check u have to email them and wait for a email back which I done before and still never received a reply a month later. Don’t waste ur time!

Still pretty new. I’ve used QuadPay a few times and so far haven’t had any problems or issues. That being said the only thing that’s puzzling to me is that it gives you a set amount that your “allowed”. When you try to use it for another purchase after making a purchase elsewhere it’s saying that you have a order in process, not allowing you to make the purchase you want. Well I know that and need to use for something else, so I’m not understanding why I can’t make more than one purchase at a time. All my payments are on time and some are complete. I usually time purchases when I’m almost paying off another. This is the great thing about it I like you can make purchase and maintain a budget on spending only what you can afford. For me that’s how I use it, I know how much I can spend and afford to pay back in 4 payments. Another than that it’s been a real game changer for me I’m able to purchase items that I need and afford to pay for it.

Easy to shop. Easy to checkout! Thank you!. Hi, I ordered from Target. I’m glad you have everyday store chains to shop from. Cyber Monday sales I had to compare who had the best tablet deals. I have a 6 yr old tablet my 4 yr old granddaughter uses everyday. It’s getting to the end of it’s life. I want to watch something bigger than my iPhone sometimes. Mamaw don’t get to watch Roku channels or the news because some little one thinks the remote is hers lol. So I bought us each a tablet and a few other things. The tablets were such a good deal! I had to push copy the Pay with QuadPay button a few times. I think it said I already had a card registered. The last time I pushed and copied it went through smoothly.I think it was because I already had my bank debit card registered. I shop at Target a handful of times a year. It’s an hour away so I only have Walmart around here. It’s nice to see different things. The only bad thing is getting me out of the store lol! I stay at home most of the time. I know most everyone is on a budget. Christmas is coming. I know QuadPay is a great way to get the things you need if you have can’t pay a large lump sum up front. If your struggling give them a try! Thank you QuadPay and Merry Christmas!🎄☃️🎅🏼

Terrible customer service!. Been a customer with them for about 2 years + and suddenly they canceled me for filing a dispute with a merchant I used through them then hit me with a Experian page and message saying “unfortunately we can’t approve you for access to Zip today” as if they suddenly do credit checks which I don’t remember them doing. How can’t y’all approve me for something I’ve been a customer of for more than 2 years?! I never received my item so why is that my fault and I still have to pay for something I didn’t receive?! Besides that I been reaching out to customer support numerous times trying to see if there’s anyway I can get my account back now that the dispute is done and haven’t heard anything back. All I got was a support agent telling me about my dispute and when I asked for further explanation he just stopped replying. Yet I still have to pay my other orders which is fine, but if I’m gonna continue getting billed and getting emails about when my zip pay is due then at least let me have my account back so I can continue service with you guys! Trust me I have Klarna and Afterpay as well but they don’t offer the wide variety of merchants Zip does. I sent out a follow up email to customer support and still nothing smh.

Great App and Customer Service. I started using the app when it was still Quad Pay a few years ago to mostly make small purchases on clothing for work or expensive Sushi delivery. But as the years have gone by, I’ve used it for everything even an Airbnb vacation in Puerto Rico. I absolutely love it. I get frequent reminders about upcoming payments so it’s virtually impossible to forget. The platform is extremely user-friendly, and if there are any questions I have about payments that didn’t charge correctly, (Wayfair sends the order in segments, and often only charges for what is being shipped at the time) I am met with an extremely helpful and professional service representative. I’ve been paying on time for years and I have over $800 in credit I can spend and pay back in 4 installments. I love this app so much, I can’t stress enough how helpful it’s been for someone like me that makes under $50,000 a year. Can’t wait until on-time payments are reported to the credit bureau to help boost my FICO score.

Easy & effective payment method. I am a huge fan of all of these alternative method options (afterpay, sezzle & now quadpay) in today’s world, the primary consumer is burdened by overwhelming student loans and often times pays more towards that balance per month than they do for a mortgage or car payment, so it’s a relief to have options for large purchases. I like that quadpay has a vast variety of top retailers available to use their program with, but it does not come without a cost (hence the 4 stars) the only reason that QP didn’t get 5 stars is due to the $1 fee on each scheduled payment. Afterpay/sezzle does not do this, but they link directly to ones credit or debit card vs. quad pay which utilizes an interim unique credit card number specific to your account/transaction & QP has a lot more “mainstream” retailers than its competitors, so I can see how the $1 would be justified but it does seem a bit steep. I’d recommend trying to get the retailers to foot some of that $1/scheduled payment as they will almost certainly see some incremental sales volume, as a direct result of being listed on QPs site, especially as QP grows in popularity. Even $.50/scheduled payment seems much more reasonable. Just a thought! Either way- very efficient and effective, quick - easy to use and little information collected. Great job overall!

Easy to use online but the store is a different story. I have used quadpay several times online but wanted to try using it in the store so I looked at the website to see which retailers accepted quadpay in store and found that finish line did, I proceeded to the store and picked out the item I wanted to purchase and made sure I was allowed to spend the amount which was $100; I was pre approved for up to $300. I went to the cashier and showed them the card number that quadpay had given me since there was no internet in the store available to add the card to Apple Pay, the Finish Line associate said that quadpay was only to be used online and not in stores even though I could show them on the app that it was eligible for in store use at finish line. Needless to say it was a failed transaction, I left upset. Maybe there needs to be some communication between quadpay and retailers and also there needs to be availability to download to Apple Pay prior to having to enter and amount so the download can occur before actually going in store because most retailers have sucky internet capabilities so download isn’t possible in store.

BBB rating is an F for a reason!. (The only reason you see 5 star reviews is because as soon as you try and make a purchase they text or email to enter to win $150 if you leave a review and screen shot it) I seen this app and thought I’d check it out. Read all the great reviews. I tried it got approved to use 200 I used 90 through Walmart. They charged me the 25% of the order and charged my card. Then I got an email from Walmart stating they delayed my order for “financial security” I then contacted QuadPay and they said they can process orders up to 7 days sometimes 13. We’ll you should have made that know, maybe make that a clear statement before people make purchases. It’s been 4 days my purchase was still open and hadn’t changed to processing or in progress so I contacted them once again. They said Walmart denied the transaction and he just stopped all further installments and issued a refund for my 25% and should be in my bank in 5-10 business day or 13 calendar days. So then I contact Walmart and they said they didn’t deny it they accepted the order but the financial institution did not approve the transaction. So they take the money and then don’t approve the transaction and then when you follow up days later to find out what’s going on they barely say the transaction was denied and they’ll start the refund now. No wonder your BBB rating is F.

Best app hands down. I was buying some new shoes online and when I went to checkout I say QuadPay as an option. Click on it to see what it was and when I read that it splits your payment into four equal installments (interest free). I said sure I’ll give this a try. So right off the bat QuadPay pays for your purchase in full and you pay QuadPay the first installment. Got my new shoes in the mail a couple days later and paid off the installments when scheduled. I believe they’re every two weeks but I can’t remember. The nice part is you also don’t have to wait for the scheduled date to pay. So if by the second payment you want to pay the rest off then you can. QuadPay works with returns too, now I haven’t done that but I believe they get the full refund and then refund you whatever you paid so far. Last thing, this app allows you to use QuadPay anywhere, you just open the app and type in the website you want to go to and at check out there’s a banner at the bottom of the app that says “pay with QuadPay”. You just click that and type in how much everything is plus tax and shipping. And then QuadPay generates a Visa card number and everything for you.

Sorry Service. Sorry excuse of a company. I have tried to contact their customer support by phone four times this morning, nothing. I put in a different card to pay my payment, still received an error message. Spoke with someone last week about the issue and was sent an email as a follow up of what was discussed over the phone, and was told that the issue had been sent to their technical team to be resolved. Of course I had another payment due yesterday. Same ERROR MESSAGE. Same issue, no resolution! HOWEVER, they were quick to slap me with a LATE FEE for their technical issues! I even put in a different card, same issue! I have screens shots of the error message for both cards I used. I also have a screen shot of the message I sent their customer service this morning, in which I have to get a response. This is not a good look for their company and I have decided that I will NEVER USE THIS APP ANYMORE!!!!! This is the worst service ever and I see others are having the same issue with no RESPONSE from QUADPAY. Seems like a scam to me! APPLE, you need to be looking into reviews and investigating this APP too as you have other apps as of recently! DO NOT DOWNLOAD THIS APP. Do not use this app, as they have a lack of customer service and they have a lack of resolutions. Not happy with this company at all. If I could leave 0 stars I would. One star rating is too much!

Bad customer service/ False information. I’m a new user to this app and I’m very unhappy. I started up the app with it saying that I have $325 available, made a purchase for $304 to buy an Apple Watch. Payment goes through according to QuadPay, QuadPay takes the first of 5 payments to pay back for the Apple Watch from my personal account of $77. I then received a email from Apple saying that the payment wasn’t processed that there was an error. So after emailing QuadPay numerous times and not receiving the results or response I need to resolve my issue I decided to contact Apple customer service who told me that there was a remaining balance, that QuadPay only authorized $300 for my account and that I would have to contact them to get this resolved because the card won’t let them charge anymore and I can’t pay out of pocket the remaining balance. This really disappointed me for even giving this app a chance, you can’t call anyone to speak and the email customer service is the worst! I wish I can receive some help but I’m not looking forward to it, my gift is ruined!

I ‘m so glad I found this app and QuadPay!. Where do I begin? Well. My first time using QuadPay on-line was so easy. It tells you what to do. First: go shopping. Browse the stores to find THAT pair of shoes, dress. Bedding, etc. then checkout with QuadPay. Using the app is so simple and fast. When you have the total for your purchase, enter the total on the app and it will okay your purchase. On your iPhone, it will say that you are using QuadPay. When you enter the payment information, choose “credit card” and your QuadPay account information is entered for you and it finishes the transaction with the seller and then QuadPay splits the total into four two-week interval, payments. All is done on-line. The first payment is due at purchase with the last three being set up to automatically be drawn from your bank at those given times. QuadPay sends the total amount of your purchase to the seller, seller confirms the sale and you are done. You also have the balance owed showing on your QuadPay account. So easy! Thank you, QuadPay! My life gust got easier!

Credit card killer!. I heard of Quad pay a little while back but I never used it because the stores I shop at weren’t apart of their affiliate program. I downloaded the app recently because it said shop at ANY store. Which is true. I purchased a $130 tool at a hardware store online and went and picked it up next morning after only paying first or 4 interest free payments!! I’m happy. Wife’s happy. Come to find out she’s not new to Quad pay. And this is how she buys her outfits online. The only problem so far is this, and it’s more of a problem for the developers to solve is that YOU HAVE TO HIT PURCHASE AT THE RIGHT DURING THE PURCHASE PROCESS IN THE SHOPPING CART! If you fail to do so quad pay will prematurely hold first payment funds and the RETAILER will try to process full purchase amount. It was kind of tricky because I wasn’t sure how it all worked. There’s no need to give your card number to retailer. Quad handles it. But you must hit pay at the right time. Good news is. The mistake was corrected quickly. The balanced held against my account was released almost immediately and I went back and tried my purchase again no problem. (Like is said this is more of a new user mistaken that could of been prevented by the developers.)

Whoot whoot, I love it!!!!!. I am a new mom, and let me tell you babies require a lot. I have had to make quite a few adjustments. Much of the time it has been financially. I have had to decide against getting the necessities of life for ‘me’. I had wish lists and loaded shopping carts on various websites, “Window shopping”, and hoping. Remembering the words of Kevin Hart, “I would, but the way that my bank account is set up...” lol. Then when I desperately needed a pair of pants that fit after having the babies. I began checking online clearance. I was so discouraged, and about to skip the first family gathering with everyone in three years since my grandmother passed. She was the only one that could get us all to come together from across the nation. I was on the Fashion Nova site and was given QuadPay as an option of payment. I was instantly relieved. I began to see advertisements for other businesses. I felt totally liberated. A forth payment up front was a lot easier for me. The app and service is hassle free thank goodness. It notifies you of your next payment status and when your due. I have had four or so orders from two servicers. I plan to use a third/Apple in a couple weeks. It’s been awesome, worry free, and hassle free so far. Thank you so much!!!!!

Quad Pay: get it now, pay it later. I was super hesitant to use QuadPay at first, because I’ve seen so many other apps like this one throw hidden fees at you that take more from you then what you pay for the items you want to buy. However I finally decided to try QuadPay out, and let me say I was not disappointed!!! I bought a GoPro hero 8 along with all the appliances that I would need to go with it. What’s beautiful about QuadPay is that you say how much you want to spend, then you pay the first payment on what you will spend all together. So say I spend 400 dollars, my first charge will be 100 dollars, and I get to go pick up my GoPro at the store along with everything I needed with it. Here’s where QuadPay becomes the leading company that lets you buy the things you want. You pay QuadPay every 2 weeks!!! This gives you time to make the money you need to pay off your purchases. QuadPay is upfront and has no hidden strings, you pay for what you get, no bogus interest rates that take more from you. Now I will say this, if you are late in a payment you will get charged a late fee on top of what you still owe, so be sure you have the money you need to get the items you want, so you don’t get late fees. Overall I’ll be doing my shopping with QuadPay from now on, there’s no going back!

Amazing. I have been using QuadPay now for months. It has really helped me get items that I didn’t have money for right away. It helped me get presents for my fiancé’s birthday when I couldn’t afford to buy a gift. I am really happy with this app and I continue to use it all of the time. It’s super easy and divides the payments into 4 and every two weeks you make a payment towards it. I actually don’t even have to do anything it sends me a text always before the payment date to remind me and then when the payment date comes it automatically takes it from my account. So if you spend 100 dollars it’s gonna take 25 dollars that day and then another 25 dollars every two weeks. Super easy and makes everything super affordable. I have used it for bunch of things like buying furniture, buying gifts, buying clothing and shoes, buying a luggage set. I mean QuadPay saved me and made my life easier. I recommend it to everybody give it a try and you’ll see it’s awesome :). Just make sure you read the steps that are in the app before you make a purchase so that you do it correctly. Thanks QuadPay for everything you guys are awesome.

Bad business. I’ve use this app for years and up until today. I have never experience like this before I placed the order online for service and the order initially went through after getting the message that my order was processed. I received a message that my order was declined and to go back and change it so I can get my spending power back upon doing that it would not allow me to get my spending power back. I messaged customer service and the only thing they could tell me what is the generic message of it may take up to 13 to 14 days I tried to get clarification and that’s all they kept saying although you’re speaking to a human supposedly it’s almost like you’re speaking to a robot because nobody can give you a definite answer. The funds were removed from my account, even though the order was not processed now I have to go without money for a order for something I need it because the app made a mistake. It processed the order without it being approved. I am currently contemplating fighting to serve my bank, as this is malpractice on their end and bad business for their company. 2 weeks later this had happened again and I will no longer be contributing to a scamming lying company

Don’t waste Your Time.... I got QuadPay a few days ago and was excited to try it out. I followed the directions and linked my debit card and set everything up. Ready to do some shopping I had an available balance to use of $250. After picking my wife out a Yeti cup for $37...there’s a minimum $35 order, I went through everything as directed and placed the order using the virtual one time visa number they supplied. It didn’t go through. It would just say “in progress” which QuadPay explains is what it says when there’s a problem. You then have to cancel and confirm. The $250 was returned to full amount HOWEVER my bank account was charged the first payment. Under the impression I did something wrong, I tried again carefully following what I needed to do. Again “in progress”, again it was cancelled and Again my bank account was charged. This App doesn’t appear to work well at all except when it comes to charging your own bank account. I wanted to discuss with someone but there is NO PHONE NUMBER for customer service. They will only chat with you and after sending several messages and trying to navigate their customer service-free site, I deleted it. I read several reviews after of people who are constantly being charged for orders that they were cancelled. Good Luck...there is no way to speak to ANYONE. How this app got 4.9 out of 5 is beyond me. Shawn

DO NOT DOWNLOAD. Please read this and spend your money elsewhere!!! This app offered Geico in their split payment services. I had a bill with Geico of $165. So I said why not. I went to Geico and used quadpay as my payment option. It went through, it was successful, and I received text confirmation of this. About a day later, I received a message saying that my order was not successful. I went to the QuadPay app and checked to see what was going on. They had double charged me literally! It went from $165 to $331. My payments went from $42 to $97! I was confused, and highly upset! This is where things get messy. I reached out to them over 3 times during their business hours and got no response! (To make thing sooo much better, they don’t have a phone number but only a chat bot until a real person can chat with you). So I tried again, and again, and again. Still no response. Till this very day, I still am out of $165 that has been stolen from me and now they are blatantly ignoring me. This is not the first time I’ve been ignored by them involving an important matter. The last time I had to be very rude, and threaten to get the local new involved for someone to help me. And it looks like this is what I will have to do again. PLEASE SPEND YOUR MONEY ELSE WHERE , SOMEWHERE WHERE YOU DONT HAVE TO HARASS AND BEG THE COMPANY TO DO THEIR JOB!

Customer Service is HORRIBLE!!!!. So I’ve been using QuadPay for a couple years now. I’ve never had problems with QuadPay until just recently, customer service has been giving me the run around. The app was always easy to navigate and very convenient UNTIL I was locked out of my account for no apparent reason. I always pay my installments on time and everything. They locked me out of my account and I needed to access it so I could update my payment method. I was originally using a different debit card for a past purchase but I’ve recently switched to a different bank that I now use as my primary bank account. All I needed was access to my account to switch my cards. The previous card I used had little to no funds available because I stopped using that account HOWEVER QuadPay CONTINUED to withdraw my installments and every transaction I was charged $30 overdraft fee from my bank. I have been emailing and chatting back and forth with customer service for 1 month now in regards to this issue. They will not give me access to my account to change my payment methods and I’m still being charged. They have done NOTHING and they keep lying saying they will forward my info to their imaginary “internal team” ( THAT DOES NOT EXIST ) I hate this app now and once I get my account resolved I’ll never use them again.

Fraudulent App. I’ve spent around $1000 total this year through this app, so far, and have been enjoying its flexibility up until now. I tried to order through Sephora 5 days ago and kept receiving an error message after submitting the order - then quadpay charged me for my first payment of $48 - normally you can cancel a transaction however the app has very limited options and it wasn’t appearing. It’s been 5 days and I have only received automated responses and two times they sent the same response - proving you can’t talk to an actual person. Therefore no one is reading what I’m actually saying in my message. So now I am currently stuck with paying $200 for items that I will not be receiving as they were never properly ordered or processed through Sephora. I have recently received a message stating that I need to go through Sephora to resolve this however neither my beauty insider account or their info proves that an order was processed because of the error with payment - and since quadpay does not have actual people responding to you - I don’t see this being resolved unless I cancel my card and claim fraudulent on their part because that’s what this is beginning to feel like. BEWARE THIS APP. If something goes wrong or there is a glitch on their part they will NOT help you - and keep your money! Check the better business bureaus website as there are many other people struggling with their complete lack of customer service!!

Best app ever used!!. I’m a new mom/young adult and currently in graduate school, let me tell youuuuu this app makes its so much easier to pay for things. No scam and no interest. At first, I was skeptical about it whenever I had seen it on Fashionnova but then I though “hmm let me give it a try” on this website called Painted Memory since I wanted to purchase something off their website for a sip and paint at home with my fiancé. Made it easier for me to purchase the item, no interest included, just broke it down for me in 4 installments. That easy! Also, i was surprised that the app gives an available balance too so if I don’t have the money they help you to purchase w.e you want at w.e website/store you use. Just tell them how much you’re expecting to pay and then boom they easily give you a quadpay card information to use and separate your purchase into 4 installments to pay back. Was able to purchase my fiancé a valentines gift I’ve been wanting to get him. Great app I’ve ever used!! Love it!!

App is so unreliable!. Most times I make a purchase with this app, I encounter a problem. The app says you can just report the return, but about half the time, I have to get in touch with customer service to get it processed. My last purchase through this app didn’t even break up the cost into payments - it just put the whole amount on my card. The order went through with the vendor… I just paid for all of it at once. I am still sending emails back and forth with customer service on that one because how do I do a partial return if the app says the purchase wasn’t completed. The purchase I made before that with Zip (Quadpay) somehow charged me for a cart that I had abandoned a few days before instead of what I had literally just purchased. It was bizarre - my bank account reflected the cost of the purchase from the abandoned cart while Zip (Quadpay) charged me for the purchase I actually made that day. The cost of the abandoned cart was more expensive than what I actually bought. Sound confusing? It is a time consuming experience trying to explain all of this over email to customer service… These things were all worked out through customer service, but it takes time and writing paragraphs and sending screenshots. I may keep this app because sometimes I just can’t make a purchase without splitting it up, and customer service will fix things, but it is truly a headache.

Great concept needs TLC.. I have actually had this app for around 3 months. My first purchase got denied when I tried to use it. It was not the money. I just paid in full. I wanted to see how well it worked. I wrote 3 emails to QuadPay. After the 3rd the response was “please review the support section. “ I gave it some time 3 months lol. I actually forgot I had it. You don’t have a physical card. Only cards similar to “on line gift cards” who’s numbers switch each time. I guess. I called to ask them about that. As you can imagine the phone message was “due to a high call volume we cannot take your call, please try back later”. I finally got it to work and tried to order something online. It worked to perfection! I don’t know why all of sudden it worked? I did nothing after the 3rd email lol. I went to use it again. Denied lol. So...here we are. Honestly it’s a terrific idea! The game plan this company is wildly awesome! However, for me I am just going to let it grow as a company and come back to see if the customer service is fixed. Because, if I spend $500-$1000 or even $300 and something goes wrong...YOU WILL NOT BE ABLE TO SPEAK TO ANYONE! I personally cannot deal with a place with NO customer service.

Guys...Come on.... READ BEFORE YOU SIGN UP!! Found this app and from the reviews and info supplied above it seemed like it could be a good thing to try, especially with the holidays around the corner. I downloaded and signed up with my personal info in the most recent version of the app. Even went so far as to add a payment method and awaited the “you’re account is ready to use now shop!” Like it exclaims above...simple...easy...shopping with payments. But, I received instead a message saying, “due to the popularity of the app, we can’t accept you currently, but keep an eye out and we’ll send you an email when you can join...or feel free to try and retry in a month or so.” First reaction is “whaaaa? ok” then more like “okay so you enticed me to simply sign up and get started today” only to slap me with a “hey! Isn’t it great?! were super popular at the moment so we can’t have you in the club but thanks for signing up with your details...maybe soon we’ll have a spot..maybe a month. Up to you to check back. Yay us!” Guys...come on. I get the trending join or waitlist for early access marketing and even the classic old Facebook invite only tactics that some are still clinging to..but, not disclosing anything in the details above saying something about it? Even the same semi pompous gloat message would do. Well hopefully this will reach a few would be applicants ahead of time to save them the dumbfounded expression I had moments ago.

So far so good... I’ve completed and paid off one purchase so far and transaction and payments went smoothly. I’ve recently used the app again for another purchase however I was being indecisive and was browsing the site and re-arranged 2 times before I finalized and completed the purchase. The 2 times I entered amount for purchase while debating went through and now my checking account has 3 separated pending transactions for payments. The first 2 that I was debating and the 3rd one I actually completed the purchase. The FAQs state the 2 will drop off however it makes me nervous and I’ll have to follow up to ensure they reverse. I think your account shouldn’t be charged the 1st payment until you actually finalize the purchase instead of when you enter the estimated amount of the purchase. Also, you are provided a set limit of funds available with no options to request an increase. I understand this isn’t a credit card but I feel like if you’ve completed payment of orders then you should have an option to request a small limit increase. Or perhaps it should automatically increase a little after every completed order payoff. Other then that it’s convenient and I appreciate being able to make purchases on payment without having my credit score impacted via credit card utilization percentages. I’ll revise my review if the pending charges aren’t reversed and dropped off.

Not the best app/customer service for returns. This app is honestly great if you’re in a bind and need an affordable payment plan that’s not like a credit card. The only downside is I’ve used Affirm, Afterpay, Klarna and Zip pay. Out of all these apps Zip pay was rated lowest on my list due to their return reported system. I had reported a return on something I purchased and so they moved my second payment date on top of the same day as my third payment instead of just shifting the timeline down altogether. I’ve done returns with the other apps and that is usually the standard. Once I reached out about it they said there’s nothing they could do and changed the timeline for a separate purchase I made which was completely unnecessary seeing as that’s the one I didn’t reach out about. All in all, after messaging around I was able to get it resolved. I would say they should just update the way they process returns. Klarna does good at just pausing the timeline of payments in its entirety until the refund is received which helps them figure out my new remaining balance. Something to think of.

Love love love. So I shop on fashion nova and saw quad pay on the site. I was skeptical about QuadPay worried it was like rent a cent or other agency that charge a high interest rate, but the don’t. I was able to make my purchase and the payments were split into 4 payments, my items were shipped to me. I then downloaded the app where I was able to make my payments and add another card for payments. I do wish they allowed you to put extra money towards your purchase, like my four payments were 75 dollars, I wanted to put an extra 10-20 dollars but was only able to pay the due amount. After I finished paying off my purchase I had available balance that I was able to use for future purchases and I tried that out on the app. You go on to the quad pay app shop, the stores that accept quad pay are on there. You find the store you want shop online through the app and at checkout you can choose to use quad pay. Also you can get your items that day if you choose store pickup. I found my new best app and I’m telling everyone.

It’s okay.... I love being able to have the ability to purchase online things in payments without it going against your credit. However, I do not like the refund process and I think it should be revised. I purchased an order through a website & used Quadpay. The package said it was delivered but was never delivered (at least not to me). I filed a dispute for merchandise never received with the merchant, carrier, & my bank. I tried to with Quadpay but they told me they can’t stop the payments because they have to wait on the merchant to advise them to process a refund. However, I knew the merchant wasn’t going to do that because it shows as delivered in their system & the carriers. The merchant eventually came back to me and said they are closing my claim because it shows as delivered and quadpay will not process my refund. So I am just going to have to go through my bank. I feel like me going through my bank could have all been avoided if quadpay had additional refund options for those who do not receive their merchandise. I understand it’s a safety precaution for those people who do scam but for us people who are truly innocent and did not receive our merchandise, it is a bummer. I have to jump through hoops to get my money returned. I dont feel I should pay for products never received. Packages are mis-delivered and/or stolen unfortunately...overall good app & love the simplicity. Just wish there were additional refund options & not just up to the merchant....

Not using this pay after app anymore. First I been with quad pay/zip pay for 3 years and always pay back early and never missed a payment or pay on time and my spending limit only increased 50 dollars and Besn stuck there for the longest time, second I’m noticing that they starting to charge for every little thing now, you have to spend 30 bucks first with most stores in order to Finace with them and now all the sudden if you wanna change the due date they add an extra 2 dollar charge to do that, nope. Klarna and after pay don’t do that so why would I sit here and start being charged for certain purchases such a a 4 dollar added fee to even use it??? It used to be no extra cost to Finace it and on top of that I have 2500 pay limit with after pay and klarna and had them the same time as zip and still can’t get more buying power even after having 100 percent history it’s still only 450, now yall wanna charge to change due dates, charge extra to make a purchase, and now I have to spend 30 bucks first? No longer user friendly anymore, they are getting greedy. plus the zip card that came on the mail is pointless if I have to open the app first and enter the amount first before I use the card. Done using them!

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Best app in the world ! Easy to purchase and pay for anything you would desire !!!. At first i was a little worried about using this app and nervous because i thought it was to good to be true . Then i ordered from Fashion Nova and they had the option to use this payment method at checkout . I choose quad pay at the end and it was so easy all they do is split the total price up into 4 ways and you have to pay it every two weeks no credit check or anything just have the money in your bank the day of the purchase for the first split payment and then everything else is self explanatory ! As long as you pay on time and build up your status with buying with them then after using the app and spending a certain amount they will give you a credit limit you can use and you will be available to use this for ANY STORE YOU CAN THINK OF !!!! This app is the best ever so if you have any doubts trust me don’t think twice this app is awesome !!!!!

False Advertisement. I’ve been enjoying the alternative payment method of buy now pay later through other sources and recently discovered QuadPay. I was excited to be able to shop any store in the world as the company boldly advertise. However, the use of the app is required and what Quadpay doesn’t mention is that the shopping feature was only available for a small group of customers that were notified of the benefit long time ago! I already have an order that I placed directly through a merchant that advertises QP, but then I decided to downloaded the app and there’s a strange message that reads “Stay tunes! We’ll be inviting people to try it over the next few months”. But after a little research in their question section, I discovered that QP waitlists people downloading the app! There website and Instagram page are very misleading because it never mentions anything about being waitlisted and even the Apps shopping page message is misleading when in fact the apps questions page clearly says that people can’t enjoy the benefit because they are waitlisted! Just thought I would pass along to save someone else time.

Love the App. This App is awesome I have never heard of it until my sister told me about it. All you need is a phone number to get started, some personal info and a debit/credit card to pay back purchases. I love the fact that items can be purchased by paying a reasonable small down payment (due at time of purchase from your debit card/ credit card) then the remainder is broken into 4 payments to pay over the next 6 weeks and Quad pays the remainder balance (with a virtual card that you copy into payment info section) for the item at time of purchase. There is zero interest. You will receive an initial balance mine was $300 these balances vary I’m not sure what Info is used to determine the balance you will receive. Once balances are paid off your balance goes back up with each payment you make and you can make as many purchases as you want as long as you have have enough in your balance to cover purchases.

UPDATE TO : Awesome!. Right on Time!!!! I needed bar stools for my new place. They were just what I needed and couldn’t pass them up. The bar stools were way pricey, but perfect for my style! No way I could afford them all at once after a big move, but I had no place to sit! Thanks QuadPay!!! UPDATE: I was thinking of making another purchase and thought I’d check the latest reviews to see if everyone was still happy with their experience here. I remembered the company was new, so I thought it couldn’t hurt. Reading them, I just had to comment. I know that I’ll probably be eaten alive in rebuttals, but that’s okay too. Guys...This is a new company that is offering an amazing service to those of us with less than phat cash to spare even before the pandemic. Imagine the number of new customers they have now, that they never in their wildest imaginations, could have anticipated. I know this is a tough time for us the consumer, but we have to consider what the online business is going through right now. Most often, they have like 10 employees to start. I’m just saying I get it. Your declinations probably are not because you aren’t qualified, but somebody is taking the time to answer each and every complaint. I mean... come on guys. That counts for something when they are probably trying to figure out how to pay their employees this month, if they still have any.

It’s ok but will delete once done. I was making a purchase online at Lane Bryant. It was $100 and the other service I was using wasn’t working. So I decided to try QuadPay as I used it in the past for at Ugg. Well this time I’m going through and it says if I want to use this service that you all charge an extra $4. No reason why just if I want to shop at LB it’s $4 extra dollars. So I said ok and confirmed my order. While yes this service is a convince I think consumers deserve to know why for that store it cost extra money and two when I purchased items from Ugg there was no service fee. Others like Sezzle, Afterpay and Klarna do not charge fees for the same store. I did try them but it was a tech issue and time was pressed. I use services like these to limit inputting my card information on multiple sites. Then I pay them off quickly. If there is an extra fee though it should be consistent with why it it’s being charged and stated why so consumers understand upfront. I will not be recommending this service to anyone as fees without explanation is not ok for me.

Quadpay was a god-send, until ZIP screwed it up. Ok, maybe i am being salty over a $6 monthly fee, but until now, Quadpay helped me in thousands of dollars of spending for college and some for personal use. Its premise was simple, pay $4 to use quadpay and that was all that was asked of them to cover any issues with interest, late payments, and general fees incorporated into that. Before that was implemented it even boasted a no-fee platform, business model calls for some profit but it wasn't until quadpay became ZIP where you are now charged a $6 monthly fee if your balance due is not $0. Quadpay was something i could use with payments adding on month-to-month without any additional fees. ZIP killed what made this app great, in addition to the $4 i pay on the transactions, now i'm paying an additional $6 for every month my balance isn't $0. This app is no longer sustainable and costs more to use than to pay with Klarna, which recently supported being able to also use anywhere, online, no fees, no interest. Use Klarna instead. This is my last month with ZIP

First experience worst experience. I downloaded the app a day before trying to use it and they gave me a limit to spend which was cool. The following day I went into a store and created an in-store spending card. After creating the card and adding it to Apple Pay guess what?!!??!! IT DECLINED, not once but several times....smh! At first I was convinced maybe the store systems were fried but after waiting 30-45min for a specialist in the chat, I was told (QuadPay) was having technical issues and questioned if I even did it right which of course isn’t rocket science. Anyway I tried a lesser amount than what I was approved for and it worked(bummer) it’s supposed to work for the amount approved. I’ll just stick with Klarna, I love klarna and they haven’t given me any problems since day 1. Also klarna has a section in your profile that lets you link your email and keeps up with all your deliveries in one! So cool but yeah my first time experience with QuadPay will be my last.

Addicting!!! I love it!. I actually really got addicted to using this app because it’s so convenient for my budget. I really needed a new wardrobe for the next school year but was tight on money to buy them all upfront, however QuadPay made it SOO easy for me to afford it. It lets you split the amount into 4 separate payments, and if you are on a biweekly paycheck like me, that’s perfect timing for each of my paychecks. I don’t have to worry about where the money’s coming from or how much it’s going to hurt me that paycheck because it’s a small amount of money from each check. Also unlike other buy now pay later apps, it has a search online feature where you can look up any store you could ever think of that takes Visa and it’ll work for it. They basically give you a special debit card number to use on the check out, which is totally dope! Anyways QuadPay has been fantastic so far and I’m afraid I’m already addicted to using it. Try it!

Layaway in the 21st Century. QuadPay is great for purchases that are just a little bit beyond what you want to spend at one time. The service allows you to browse online storefronts within the app, which is incredibly convenient. The storefront browser is a bit rough however, and I found myself repeatedly returned to the homepage of the store I was perusing. I would recommend finding your desired purchase in a dedicated web browser, then locating them in the QuadPay browser to save some time. This is a very minor gripe, and the app is still fresh so the browser will no doubt improve over time. The primary function of the app works perfectly. The process of breaking large payments up into four smaller ones might be a bit confusing at first, but the app helps you every step of the way. I haven’t used similar apps, but thanks to how easy to use this one was I have no reason to. I highly recommend the service and will be using it again in the not too distant future.

Wish I could put 0 stars. Scam! Don’t do it!. NO customer service. Can’t get in touch with anyone. THEY DO NOT ANSWER LIVE CHAT or emails!!!! Waited for days and days... no one helped me. they charged my account twice, tied up my funds and then I couldn’t pay my bills. Scam scam scam scam. They have no problem charging you or OVERCHARGING you, but heaven forbid you need a question answered. Do not take the chance on this company, you will regret it eventually. I can not say this enough, SCAM! Do you have the extra money in your account in case they charge you twice? if they hold a duplicate payment hostage in your bank account AFTER YOU’ve already paid them, so you can’t pay your bills on time? Most people don’t have that much money or they wouldn’t be on QUADPAY having to divide their purchases into four payments!!!!!!!!!! Makes no sense!!!!! And lots of people I have talked to never got their money back. Go with AFTERPAY! Time to report QuadPay to BBB.

A break up letter. Dear Zip, (Quadpay) I hope this letter finds you in good health and that you’re happy. I’ve been doing better now that I’ve started budgeting and I still do think about you from time to time. Remember when we bought those really awesome collectible figures when I was in a pinch, or the time when we bought stuff to help me feel comfortable after I lost my home and had to move in with my uncle? I’ll always appreciate your help. Through the good purchases and the not so good ones. I admit and want to apologize for mistreating you for buying things that weren’t needs. You never judged me. Not once, and always trusted me to pay on time. On the times I was late because my debts started piling up, you never once charged me a late fee, and I appreciate that. I was going through a tough time, and I thought retail therapy was my answer. It wasn’t, but it made me smile for what it’s worth. Zip, I’ll always treasure you for everything you’ve given me, but now that I have payed you back everything you have given to me, we can finally part ways and move forward with our lives. I hope you make many more people happy with your presence in their lives. Don’t let them get too out of hand, and if you see someone having a tough time, go easy on them, as you have on me. Thank you Zip, I’m truly glad for the time we spent together. This is goodbye. With love, Charlii

ZIPPAY HAS MADE LIFE EASIER!!!. I thank you for providing customers with the ability to make purchases and pay bills through ZipPay’s installment plans. It has greatly helped me especially during lay offs and Covid-19. I was able to use this app for grocery purchases, electronics, the holiday seasons and even GAS which became incredibly outrageous last year. They supply a great variety of stores to select from including some in-store purchases. The process is quite simple. Download the app, connect a payment source to make your 4 installments and starting shopping right from the app by selecting a store or go to one of the stores that will let you shop at there location using ZipPay!!! Perfect for back to school, holiday shopping, gas, traveling, monthly bills from there selections provided and last minute gifts such as Nike, Apple Store, Verizon and many more. It has made life a lot easier at times. Thank you ZipPay ❤️

First time using Quadpay. I’ll start by saying I’ve used similar ‘pay in 4’ apps and I’ll use those as my comparison. The cons are that the virtual card pops up at the bottom of the checkout cart and it is so small that if you’re not looking for it you’ll miss it. The virtual card numbers don’t auto fill correctly into the card spot when you’re checking out which is a hassle in itself. I had to cancel my first virtual card and restart my whole purchase because I left my cart during the checkout process and my virtual card disappeared. Quadpay is also the first ‘pay in 4’ app that’s charged me a fee for using their service (it was a small fee but still) the other two apps do not charge any fees to the customer that I’m aware of. Other than that it was pretty simple and straightforward. I am curious as to how the refund process works and how long it takes. I also think it would be a good idea to make a ‘return’ button available so that your payments are stopped while your return is in process.

Decent. Honestly I like the QuadPay app and I like the fact that you get money to spend I used the spending amount that I had to make a purchase at fashion nova and first problem is that it’s extremely slow and lagging and second I’m not sure why when I payed using QuadPay spending money it still broke it up into four payments and charged both my bank card for the first installment and took the money from my virtual Visa card if I had enough money on my virtual card to complete the full purchase then why break it up into four payments and charge the first installment to my bank card that doesn’t make since and what’s the point of a spending limit and virtual Visa card? Also the help section wasn’t very helpful in explaining this and I feel like y’all should give us the option of calling customer service to speak with someone directly instead of trying to figured it out on our own with a bunch of questions other than that I guess the app is okay but I probably won’t be using the virtual visa with the spending money on it anymore because really what’s the point?

Pretty genius idea but flawed.. I’ve used the app once — in store. I misunderstood how to use it, probably because the common questions and answers weren’t available on the app. I recommend going to the actual website and reading all the information so you’re not stuck at a register with angry people behind you waiting for you to figure out your payment. You have to make a new request, even if you didn’t use the full amount you agreed to spend/pay back. Example: I requested $150, agreed to $31 over four payments, it preauthed $31 to my debit, but I only spent $87...my mistake was thinking the rest of the amount I didn’t spend ($63) was still readily available to use...NOPE! And that amount will not fall off preauth and available on Quadpay until days later. HMPH. Know exactly what you want to spend before you request because you can only have three open orders at a time. All in all, genius app! The flexibility of four payments is sweet! Just gotta figure out the kinks and how to clear what is actually spend a lot sooner than 2-3 days later.

What an awesome APP!!!!!!!. At first when I saw this app and saw what it offers I was a little skeptical because it was freakin great!!!! While i was reading that you could split a payment into 4 from any store like anywhere!!!!! From what im aware of theres no minimum amount of how much you need to spend so that was great to. I was so excited to try it out!!!! I was on the waitlist and bang i could use quadpay!! I just tried it out this past weekend and it freakin worked like magic i was so impressed of how easy it was to use in the store!!! Now I could shop at my favorite stores without paying the whole thing all at once!!! This means more shopping!!!!!!! I do love how they have a limit on how much you could use quadpay and its a good enough amount that people should have no complaints about because this helps to not go overboard on the spending. I tried it online to and it was easy and simple nothing difficult. So far I have no complaints about the app its fantastic!!!!

Something to know before you sign up…. So I was recommended this app by some friends because i was having a hard time affording christmas gifts for my family. I made an online purchase that came out to a total much greater than i expected. It was my understanding that you could make a purchase and pay for it in 4 split payments. However they charged an additional 25%. So the total they charged my bank account was much more than I expected, making it so that i couldn’t pay a bill. I looked in the terms of service and it does say that they can do that, so technically i was in the wrong since i agreed to the terms. However it really is not fair to be that misleading about your services. It also states in the terms that you are responsible for having sufficient enough funds for whatever you owe, but how would someone know how much is enough to have when they weren’t told that there would be an additional 25% charge? They wouldn’t know… You will be paid back the difference… In 13 business days… So just be aware, it can be a great tool, just not to people who really need it.

Great service! Although No Customer Support. This app is amazing in saving money to buy things! I love how you can choose the rate (2 weeks, 4weeks, 6weeks) to pay and its really smart to have a limit on how much to spend as well. One thing that did bother me was that there is no customer support. Unfortunately on my first attempt on trying the app I made a mistake and asked for the wrong amount of money to “use” and when i tried to reach out to the customer support chat it said “no one is available to respond at this time, please send us a message and we will reply”. Well it’s been more than 24 hours and i’ve yet to get any response. I’m hoping that since I cancelled the item I was originally going to get, that they refund it back to Quadpay and then Quadpay refunds the first payment I made. I will just wait and see. Will be back on an update because I really hope to use this app in the future for other expenses, I just want to know that if I were to make mistakes that it’s easily able to fix.

Quick tips/ used it 4x now. Love it!! Thought I would share some tips on using QuadPay: 1. Use a bill budget app that lets you see your bills for the next 60days. You need to make sure you can afford the payments ahead of time. I like to use the app Prism! It’s FREE and it can link to bill companies and banks. FREE. If you don’t want to link your bank, use the payday feature and set your future min. Pay that you get weekly, bi weekly, or monthly. 2. Don’t use QuadPay for something you might cancel because of size issues like Clothes, shoes,etc. i see a lot of people complain about refund issue. Buy what you already know you will keep. With hopes that nothing is broken or damaged of course. 3. Talking about refunds- When using instore method, WAIT UNTIL YOU KNOW EXACTLY HOW MUCH YOU ARE USING TO REQUEST FUNDS FROM QUADPAY, basically when the cashier tells you your total. Round to nearest dollar or exact amount. So what if people are waiting behind you. 4. If you might struggle paying (4) $80 payments for next 2 months then don’t use $320+.Avoid crazy late fees. 5. I use QuadPay for things I need and do it in one transaction. Thank God I was able to get my family Christmas gifts! I wasn’t able to drop $$$ at the time. I was able to manage the payments. I don’t recommend using it for crazy shopping, only what you need and emergency. Remember, this is better than a CC or a small loan, no interest! But, I FREAKING LOVE QUADPAY! Yes, poor customer service tho!plz Fix that ASAP :)

BEST APP EVER!. I love this app because it helps me get what I want without having to worry if I have enough money in the account. You pay the cost of the item(s) split up in four payments! And they aren’t due until every two weeks! You can use it anywhere! I’ve used it on fashion nova which had an option to use quad pay. I loved it! Then the other day I was wishing it was available for Victoria’s Secret but figured it wasn’t an option BUT on the quad pay app, it says you can use it anywhere in store or online and Victoria’s Secret was an option! You click on the store that you want to use it on and you order as normal and then choose pay with quad pay and at checkout it gives you a number to put in the card information at checkout! This has to be one of the best if not the best app out there! You can literally use it anywhere! Download it! And you’ll love it! Especially with Christmas coming up, this is definitely a life saver!

Very convenient. I have used Zip (formerly Quadpay) several times for larger purchases and I have never had any issues. It is easy to use and works with practically any merchant, even ones that are not on their list you can go to the merchant website and Zip issues a one time credit card number that automatically populates when you check out. There is only a $4.00 fee per purchase, no interest, and you only have to pay 1/4 of the total purchase up front with the next payments spread out every two weeks. You can also make payments early. It’s especially nice for those of us that get paid weekly and may want to make a bigger purchase without using a credit card which could make your total credit usage look higher on your credit report. I just love using this app for short term payments on bigger purchases.

Outstanding!!. This is exactly what it sais it is. No thrills, no frills, and most importantly no gimmicks. It’s a great way to make a purchase feel less stressful, for example if you have a niece or nephew’s birthday or Christmas is coming. By splitting your purchase up in 4 equal payments, it’s so much more manageable for tighter times and there are no crazy fees. Best of all, since it’s only 4 payments it’s done before you know it. I highly recommend keeping this for more of the necessary purchases; As with everything if not used responsibly, you can certainly get into trouble with making too many unnecessary purchases because of the fact that you’re only paying 1/4 down. I believe they protect you here to by limiting the “credit” they give you which is good. Face it, if you’re using this you don’t exactly have 100k in the bank so discipline is key and it’s refreshing that instead of preying on you they keep you in check. Joe K

🤟🏾👍🏾👍🏾💙AWESOME. Start off by saying thank you for giving me the opportunity for whatever I had been getting denied for QuadPay for almost a year but just yesterday I tried it out got approved. With the pandemic going life’s been tough on everyone if financially. Being a single mom of 4 is tuff but I do it. QuadPay help me out so much especially for Xmas this year. My funds were almost gone been stretched for out to the fullest. Decided to check Walmart out on for some Black Friday deals bc QuadPay sent a email read it said IN-STORE so I went. Approved for a certain amount cashier rung me up now it was a little overwhelming because the register kept saying I was making a online purchase long story short it eventually worked. Probably some minor fixes but what worked for me was I have a Walmart account so I added QuadPay as a payment eventually I was able to check with my minimum payment. Safe to say my little ones will have a nice Christmas after all 💙🧡

Very convenient. I recently downloaded this app and have used it twice already. I’ve tried another app similar to this one and they didn’t charge a $1 convenience fee like quadpay did, so that’s a little downfall for me but not a huge deal just comparing to the other app. What I can say is how great it is to find the retailers in the app and you can just shop around in the app and they just let you copy and paste the temporary card number they give you, so thats great. Its like a credit card without all the other extra fees and interests and its better than worrying about late fees or forgetting to pay off your card because as long as your card has funds they deduct it on their own so you pay off faster. I didn’t get approved for much, but it did come in clutch for me to be able to buy what I wanted to at the time without having to break the bank with the total amount. I will be using this app again for sure.

BEWARE!!!! Horrible Horrible Horrible. I placed an order on 8/31 and did not request enough to cover shipping so Zip cancelled my order AFTER they took out my initial payment. I used the live chat 2 days later asking when they would show the order cancelled and refund my initial payment. After hours of no reply I finally received an answer that said typically within 13 days of initial purchase. It has been 13 days and the initial payment has not been refunded and the order still shows active in my Zip account. I have sent live chat messages for 5 days asking for an update and NO ONE has responded or even read my message. I have requested a phone number and email but was not given anything other than the bogus live chat feature that no one has answered. I suppose this product is good unless you have an issue then it’s the worst business practice I’ve ever experienced. I cannot emphasize enough how frustrating this process has been. They took my money, less than 1 minute later they (Zip) cancelled my order and now I’ve been waiting for 2 weeks for Zip to refund me.

Fast, easy and amazingly convenient!. I downloaded this app as sort of a fluke really, someone else had mentioned QuadPay in a review for a DIFFERENT app so I thought I would see what it was. I am really glad I did! Allows you to shop basically anywhere, online OR in a store, get your purchase immediately and then pay for it in 4 installments over 6 weeks with the first payment due at the time of purchase. I made my first purchase online, but I really love that you can shop in a store and use QuadPay! The app is extremely easy to use, you do not have to do any sort of application or forms. It will give you an amount that you have available to spend, you just request the amount you need for each purchase and it tells you the installment amounts and due dates. Great alternative to credit cards as there is no interest and no credit application. I love it!

Very Handy. Love that you can split your payments into 4 Ana make payments over time. They have lots of stores to choose from and even offer being able to use in store. I haven’t used the pay in store feature yet. One thing I don’t like is that they give you a limit on how much you can spend and the limit changes even with making payments on time and regularly. My original limit was $500 I made all of my payments on time (some before time) and regularly (I was never late) and once I paid off everything my limit dropped to $300 😡. I reached out to customer service who said that the system automatically calculates the number and it fluctuates. For this reason I like Afterpay better they don’t give you a limit so you’re free to spend and use it as much as you want. Other than that QuadPay is good. I use it for places that Afterpay doesn’t service.

Easy to use. I am always on top of everything new and exciting on the brink of technology and such. I quickly learned about Afterpay and fell in love. It had lots of familiar retailers and unfamiliar ones. I was hoping though other people would jump On this band wagon. It was just me as a visionary would hoped to see. I stumbled upon QuadPay and again it was exactly what I was looking for. They had such a wide range of retailers and I was not forced to get my credit checked or purchase a credit card. I like the ear of using my phone and even of the retailer does say pay with Quadpay, you can pop over to the app with ease and see what retailers you can use QuadPay with. It’s really neat and so simple, like set up an apple product simple. They take the hard work of applying for a credit card out with the luxury of using your own Debit card. The money is taken out automatically every two weeks. I am Glad I stumbled upon this awesome app!

BEST APP EVER!!!!. I am beyond ecstatic for stumbling across this app!!! After getting declined for multiple credit cards I began using Afterpay but I was limited to very few stores so, I went on the hunt for a “buy now, pay later” app/company that I could use ANYWHERE!! And boy did I find the best!! With this app you’re able to put a virtual card on ApplePay! So anywhere that accepts ApplePay you can shop at! And if your shopping online or don’t have an iPhone it’s still super simple to use! Just shop within the app, add to cart and select “pay with Quadpay” at the bottom of your screen!! They give you a virtual card to use online for that purchase! Payments are automatically taken out every 2 weeks after that or you can pay some early! I’ve already made multiple purchases with this app! Only thing is I wish they’d report to credit bureaus 😢 I’m trying to raise my credit score🤣 but I understand why they don’t and that’s ok too!

Card Failure-Expired Date. I thought this was the best app until I tried to use it to pay for a repair. The purchase did not go through because ZIP provided a card with an expired expiration date. I canceled the card and tried again. However, the card had the same information. I texted nothing was done. I chatted but nothing was done. I received a reply that someone will get in contact with me but that never happened. I called and the representative stated, she will inform zip and someone will contact me. Nope, never happened. I decided to delete the app and reinstalled it but sure enough I’m still receiving cards with expired expiration dates. This is so inconvenient and frustrating. ZIP Please fix your glitches, this could be the best app because most apps you can only buy from the stores on their app. This is more like a credit card. You can buy anything from anywhere, “IF” they can provide the correct expiration dates on the virtual card.

Not satisfied- Very flaky. I used QuadPay directly on the merchants account. I had never used it before that having been my first time. When I saw the option, I followed and was approved. The second and third installments were taken out of my account on time. With the final installment still pending for more than another week, I revisited the same merchant as before to make another purchase. I was denied. I added another payment card. I was still denied. Both accounts have more that enough money to cover the full purchase yet I was still denied time and time again. Thinking that due to my last installment being unpaid, I was being denied. So, I paid the final installment over a week early yet I was still denied when I tried to make a new purchase. I then downloaded the app. I cannot shop directly from the app. I suppose this is what they call “waitlisted”. It seems to me like this is a one and done type of thing. There is no consistency, no information and no satisfaction. I don’t how any customer retentions accomplished. It must not be one of this company’s values. It’s too complicated, uncertain and works like a gam!”2 all too frequently.

Poor Customer Service and No telephone number. I have been using QuadPay for quite some time now and initially I thought it was a great company until I had to be refunded for an item. I quickly discovered that there is no telephone number associated with them. In addition, they make you either email hem or chat with an agent. Unfortunately, no one seems to respond to the emails and the chat always seems to get disconnected before my issue is resolved. I decided to do some research of my own and discovered that they have numerous complaints on the Better Business Bureau website and plenty more consumer complaints on various other sites. This is disheartening because no one wants to feel as though they have no way of getting their hard earned money back after they’ve paid for an item that has been refunded to QuadPay but QuadPay fails to give the money back to the consumer. Please beware of this service.

Interest free, with a catch. Although you may not pay interest, QP charges an additional amount within your purchase total, causing the total paid to be more than just the amount of the item + taxes. Although it may be interest fee, this added amount is not disclosed anywhere as a notice until you’re about to checkout. This is crazy. The purpose of using this should be convenience. Although I understand it’s a help to those who may have credit issues and need some help with big(ger) purchases, however, that is not the case for everyone. Especially not with other services that do the same thing and don’t charge fees. I only thought to use QP of the others I have because it was displayed on the merchants site. But after see this added amount for the 2nd time in trying to use, I’ve just decided to never use it now. Missed out on an item I wanted because I chose to find another method of payment after seeing what QP was going to try to charge me. Overall, nothing necessarily wrong with the service, but for those like me, if I’m going to pay more than retail, I might as well buy the item 2nd hand, pay out of pocket or just use my other available services.

This app is great when you want to pay in 4, but the fees are now ridiculous. I have to start by saying that this app has been really great in the first year I started using it, and I absolutely still use it to make purchases as it really helps with keeping money in my wallet, and being able to afford more. However, this past year the fees are getting absolutely outrageous on here. It used to be just a 4 dollar to use them, which isn’t bad for purchases. However once you go up past 100, it increases a dollar each time. This app now charges you a fee to move a payment date. Other pay in 4 apps don’t do that…I try to use other pay in 4 apps when getting a chance to do these fees. It shouldn’t have a fee to move a payment back by a week, as this app already makes extra money with the fees it charges just to make a purchase. There are other apps who do better on fees. With zip however; I will say you are flexible to use it almost for everything you need while others are limited.

Decent service mired by terrible customer service and questionable business practices.. Used to be the biggest fan of Zip, especially right now. However, suspending an entire account because I reported that someone else was trying to use a card that I used for a previous purchase then stonewalling any attempts for information really soured my experience. It would have been really easy to tell me the last four digits of the card that was used so I can protect myself. If someone got a hold of a zip card, this also means that they likely have other information. Now I’ve been forced to get new credit and debit cards and I’m not even sure if that’s enough. Maybe this is basic “sweep the problem under the rug” response but it’s not really great customer service and it didn’t help me protect MYSELF from fraud, only you. Update: after my long letter, Support got back to me and resolved the potential fraud issue, getting me back into my account. I wish this is what happened the first time.

DON’T REBRAND!!!. Loyal 3 year QuadPay Costomer here and I love how much this company has grown! I can basically used QuadPay on ANYTHING . Flexible payments has never been easier! I use to more then my credit card (probably shouldn’t do that) but I love how my credit score stays clean and is never effected! I am a little hesitant of then rebranding (I just seen , that’s why I’m here reviewing it before it changes) I feel like this is a “if it’s not broken , don’t fix it” situation where all though change is sometimes good, and offering new things and opportunity is sometimes good, I don’t think much change is needed specially the name change! Not really liking the “ZIP” name . Just feels outdated and not catchy at all. Hopefully the future of this app is bright because I have recommended this service to a lot of my friends and family! It would such to see such a great idea die off!

Live chat support is useless. I had no problem when the app was still quadpay getting help through the live chat support, granted I only had about one issue with it that I’ve needed help with. For some reason however since the app switched to zip I’ve been having multiple issues when checking out. This last time I was charged for an order that never went through and I'm hoping that it was just a hold placed on my card but I’ve tried contacting online support multiple times today and I haven’t received a response. It says that someone will usually respond within 20 min and 5 hours later, no response. I tried opening a new chat and this time it said someone should respond within 10 minutes and it’s been and hour and I still haven’t heard back. Hopefully email support will be better. Just disappointing that there are all of these issues now after they switched when it should be the same or at least better. So that’s why I’m leaving a review because their support has been absolutely useless as of late and the app has more glitches, I’ve been using quadpay for years and never had an issue.

Simple and Effective. I downloaded QuadPay when I first realized it was an option to pay with on Fur’s website. It really piqued my interest so I gave it a shot. I instantly got approved for $200 and everything processed so so quickly! I was able to easily pay it off and even purchased Nike’s last week, I already received them! I’ve been super happy with the great service so far and I love how quickly everything is processed! With this being said, I haven’t tried using it in person yet. I’ve seen a couple of others having issues with in-person encounters or one off “bad experiences”. My advice for anyone considering getting this app: do it!! you have nothing to lose and it’s honestly so nice to have another sort of paying option without having to worry about applying for a credit card. Just keep in mind that this is a fairly new app so glitches and bugs happen!! it can only get better from here honestly (and it’s already pretty great).

Zip makes it easy and rewarding to Pay in 4!. I've been using the Zip app to make purchases and I have to say, I'm impressed. The app makes it incredibly easy to pay in 4 installments, which is great for budgeting and managing my expenses. I appreciate that all the information is upfront and clearly explained, so there are no surprises when it comes to fees or interest. The app is also not overly cluttered with irrelevant information, which makes it easy to navigate and use. One of the things I appreciate most about Zip is their responsible approach to credit. They have measures in place to limit spending and ensure that consumers are protected and have a clear understanding of their credit. Additionally, the rewards program offers great incentives to use the app and make purchases. Overall, I highly recommend the Zip app for anyone looking for an easy and convenient way to manage their expenses and pay in installments.

AfterPay is WAY BETTER!!. QuadPay has way too many restrictions for me. You “get approved” for a certain amount and that’s all you can order up to, almost like a line of credit. Not the case with AP. Also, there’s glitches/issues with payments. I made a purchase yesterday for $174, the receipt showed me 4 payments of $51 which makes no sense. First payment was removed yesterday as it should’ve then I see another $51 pending on my acct today. Totally confused, I reach out to customer service because my next payment shouldn’t be for 2 wks. Their response “oh you’ll be refunded before or after your second payment is due”. What sense does this make?!! The WHOLE point of using the service it is split your total into 4 payments- each being 2 wks apart. If I’m paying 1/2 upfront essentially, does that not completely defeat the purpose?! With all being said, this will be my first and last time using this service.

Easy Peasy. So I heard about this app through one on my financial groups on FB. A member stated how another company wouldn’t qualify her even though she used another company with no problems and pretty much had decent credit. I basically agreed. Affirm & Klarna 👎🏾. I don’t know what they use to qualify you but they haven’t worked in my favor. Anywho. Another group member suggested QuadPay. I was skeptical at first and of course hesitant, but I needed an item an didn’t want to pay right off so I said let’s give it a try. It initially said, it couldn’t qualify me for funds or something like that but after I clicked a few buttons (I really don’t know what I did 🤷🏾‍♀️), I saw I was qualified for $300. My item was less than that so it was a go! This app offers SOOOO MANY STORES! 😱 I found the store I wanted and ordered my item! Buuuuuuttttt the price difference between what I paid and the credit I have left don’t match...🤷🏾‍♀️ but my item is ordered and I get to pay in installments...OVERALL: I WOULD RECOMMEND ‼️

Approved the declined. I made two purchases within my limit on January 2nd both times they were approved money pulled out of my account. Then after the money was pulled QuadPay decline the purchase. I am still waiting on my refund and payments are still scheduled to be pulled from my account. I have repeatedly tried to get support trying everyday for multiple days it was 6 days before I got a response saying that basically I would still have to wait. Today I received an email that the next payment will be pulled from my account. QuadPay sent me texts that the purchases were declined! How do they not know they canceled my orders! The support for this is ridiculous and the reasons for decline one was fit picking an amount that was 6 cents short and the other was for 94 cents too much!!! I thought this was going to be great but now it just feels like a scam with no chance for anyone to make it right!

Card Not refunded yet. Everything good except hidden fees in the installment payments that Klarna or Afterpay don’t do but I have not received the refund back to the QuadPay card so my installment can update. When will this update?? It looks like I will be paying the installment for something that was refunded that made my installment payment lower! Update: Card was refunded twice for separate orders so happy about that. Only thing is Qaudpay has a hidden $1 fee on each installment that can confuse consumers thinking the correct amount has not be charged or the refund was not processed correctly. After Pay or Klarna does not have this $1 fee so don’t know why Qaudpay wants more money when we pay the installment fee. I don’t mind lying but they could of told consumers up front the fee will be charged.. other than that I like the carotid stores and quick and easy to use unlike Klarna who keeps saying “you can not use this card at this store”Klarna has if you shop at a store to often, you no longer can shop there.. don’t know why ..

Use this to pay rent. This has helped tremendously as I don’t have a job right now but helps me pay almost all of my rent. I had gotten approved for $500 when I first downloaded the app and was able to use all of it to pay rent (I used their chrome extension for this feature). But for whatever reason, recently the approved limit has been fluctuating like crazy. I had assumed I would be at the $500 limit after paying off the previous order for rent on time + some other orders on time, but for whatever reason my limit was decreased to $400. And I did use all of it up when on my laptop but on the app, it was $100 yesterday and today it is now $197 so I am not too sure which amount is correct. I took away a star for that reason and especially when I spoke to a customer service representative that told me it based on numerous factors and that this limit change is temporary but it is not, I have had this $400 limit for almost 2 months now. I should be given an increase of a limit not decrease!

Exceptional Customer Service. The service that I received although it was by chat was excellent. The app itself needs tweaking as the situation I had when buying the item did not go as planned. I had requested a lower amount by 10 cents. I needed to request just a bit more obviously and it was not intuitive as I had expected. I use another similar app with another organization and it is very easy to re-request a different amount with their app. I had to drill down to different screens to find the cancel card button with QuadPay. Another issue is that a hold is placed on the pay account for the first payment before the requested amount can be used. That was the only reason I had to call in to have the hold removed so I can start over again. I believe that QuadPay is excellent and their fee is absolutely fair for this offer of convenience!!! I like QuadPay and have referred the service to others. The greatest aspect of QUADPAY is that you can use it at any I mean ANY online store!!

Was better as just Quadpay. Updated review: ive been using Zip for some time now (maybe 2+yrs). I can say, it was better when the company was QuadPay. Now I’m getting charged $3-$4 extra for a “fee” when it was $1, the amount of promotional EMAILS I get in a day is ridiculous and there’s no way to unsubscribe to them. I wish the app gave you the option to pay off your balance at once, and gave you an overall owed balance. It’s also hard to get a balance increase, again 2+ years and I’ve had maybe a $50 increase, customer service is AWFUL, they have a chat but no one responds or they’ll respond 4 days later, and immediately close the case if you don’t respond right away. Once the app was taking money out my account but wasn’t reflecting on my balance, I get hit with several late fees and it took them over a week to respond back to my message, only for them to say the app was down at the time. . Why didn’t y’all send emails about that?? I had to turn into a Karen just for them to take the fees off. Overall, I didn’t have these issues with the company was (Quadpay)

Love it!!! Best idea ever, easy to use!!!!. No I’m not broke or i can’t afford it. I just helps alot that I don’t have to pay all at once. That way I’m able to spin a little bit of my money on other things instead of waiting on my next paycheck. I always make my purchases on pay day that way I know the money is always in my account. Like what more could you really ask for someone is willing to pay full price for you just so you could pay it back in 4 payments with no interest!!! The only issue I recently came across is that I tried to purchase 3 pairs of sneakers online from Footlocker. One pair of the shoes was coming from a different store so i was receiving it as a separate order. When footlocker tried to process my second order it was decline because QuadPay didn't realize it was from my original purchase request for Footlocker. Because of that I lost out on free shipping and a discount on my purchase. But I still love the app and will continue to use it

Convenient. My personal experience was great! I didn’t have any problems getting “excepted” as some reviews say, but I did some research on the app before I purchased anything. I like these new type of payment plan apps that give you the opportunity to spread your hard earned dollars instead of all at once. And I’m sure for most people, make you feel guilty for splurging🤷‍♀️. And in my research, they do say they want to make sure you have the funds to be able to make your payments and previous history through other apps perhaps that show you’re responsible. My first purchase did get canceled but only because the store didn’t have the item in stock like it claimed it did and the app returned my money immediately. I love the many varieties of stores and businesses they have to offer and that they set a limit on your spending amount. Could’ve went crazy shopping otherwise. All in all a great app!

Versatile payment option to use ANYWHERE!. This app revolutionized the BNPL boom with its unique ability to be used at any merchant, instead of being restricted to a pool of participating merchants only. It really also showcases the Apple Pay ecosystem in it most optimized form; by generating on-the-fly virtual credit cards in Apple Wallet. Talk about convenience! I’ve generated Zip cards in-store at brick and mortar shops, ranging from getting groceries at major chain stores to even local mom-and-pop stores! It’s an easy work flow that you can do while standing in line. Once the cards are generated I’ve never had any declines or issues. Amazing. This is a life saver. My only qualm is that my spending power constantly fluctuates, despite my on-time repayments. One month it could be $200; the next, $50- with no explanation as to why and how they calculate your limit. I know it’s an industry thing but I wish they were more up front and transparent as to how your spending limit changed.

Darn Near Perfection. The fact that you can use this anywhere is awesome! It’s not as easy to use the first time but once you get the hang of it i can see me using this often, especially with Christmas coming up. I only have 2 cons but after you make these mistakes you won’t make them again. First, this is better used on internet and not in stores. I had a devil of a time trying to make this work at a store til I finally just gave up. Second, you gotta know what you’re going to spend first so go through the motions all the way til tax and delivery THEN go back into the QuadPay app to start the process so you won’t mess the “money” up. I made a purchase and was done but the product was taken back (no fault of QP) so my whole purchase ended up being less than my first installment payment. It takes quite a few days but it did adjust itself so don’t get in a tizzy...it don’t matter if you do because there isn’t a way to call anybody for help anyways. Lol. Other than those I will be using it and have already recommended it to my friends.

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Zip - Buy Now, Pay Later 1.199.10 Tips, Tricks, Cheats and Rules

What do you think of the Zip - Buy Now, Pay Later app? Can you share your complaints, experiences, or thoughts about the application with Zip Co US, Inc. and other users?

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Language English
Price Free
Adult Rating 4+ years and older
Current Version 1.199.10
Play Store com.quadpay.mobile-app
Compatibility iOS 13.0 or later

Zip - Buy Now, Pay Later (Versiyon 1.199.10) Install & Download

The application Zip - Buy Now, Pay Later was published in the category Shopping on 03 March 2019, Sunday and was developed by Zip Co US, Inc. [Developer ID: 1425045069]. This program file size is 112.97 MB. This app has been rated by 489,959 users and has a rating of 4.9 out of 5. Zip - Buy Now, Pay Later - Shopping app posted on 29 January 2024, Monday current version is 1.199.10 and works well on iOS 13.0 and higher versions. Google Play ID: com.quadpay.mobile-app. Languages supported by the app:

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Other Apps from Zip Co US, Inc. Developer
App Name Score Comments Price
Zip - Buy Now, Pay Later App Customer Service, Editor Notes:

Bug fixes

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Find on this site the customer service details of Zip - Buy Now, Pay Later. Besides contact details, the page also offers a brief overview of the digital toy company.

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