QuadPay “Buy Now Pay Later” | Now Known as Zip


QuadPay is a fintech company.

Imagine you are at the Nike store and just see the shoes at the desired sale. In this situation, what will you do? Obviously, you will immediately purchase it, because who ignores Nike shoes at a reasonable price?

But unfortunately, what will you do if you don’t have enough money on your card? Auspiciously that’s a reality with Zip/QuadPay you can buy things you want without upsetting about whether you currently have money available.

Suppose you want to know more about QuadPay/Zip, so you are at the right place. Here we will learn about financial customer services.

What is QuadPay?

Quad Pay “buy now pay later” is a financial (installment payment) technology company. However, this company is presently not called Quad Pay, the service became part of ZIP Co Limited, and on 16th August 2020, it was branded as ZIP.

The company was actually established in 2013 and was initiated by Larry Diamond and Peter Gray. Also, this financial tech service maneuvers in Australia, the United States of America, and New Zealand. Its control center is in Australia, Sydney, and New York City.

According to the information, they had 12 million customer accounts that let a user go ahead and purchase what they desire that is just out of their price assortment.

As an alternative for saving up or treating, a user can be in charge and on drift by assembling your purchase right away. And then compensable for it over quite a few weeks.

Pay for purchase over some weeksRight now, only one payment plan
Users can have multiple ordersPurchase approval lasts for 24 hours
Available online and in-store 
The only cost to use the service is $1 per installment 

How Does QuadPay Work?

How Does QuadPay Work
How Does QuadPay Work

This financial customer service is accessible through its mobile app and in stores, which is comparatively simple. Below we have shared a quick breakdown of this company actually works for its customers.

Buy Now Without Worry and Simple Pay Later

Worry and Simple Pay Later
Worry and Simple Pay Later

First, you make an account on Zip/QuadPay. When you buy something online or in stores, you can choose your Zip account as your payment method. This financial service will control your credit card and pay the first quarter of your purchase.

NOTE: When you want to purchase with Zip/QuadPay, you just have to select Quad Pay at checkout.

However, the remaining amount of your buying is broken up into four payments extensively diagonally six 6 weeks. You make one payment at the time of purchase, and the remaining will be paid every two weeks till you have completed all four.


Suppose you buy a tote bag for $100 online or store, so you have to pay $25 at checkout. The remaining $25 payments will be due every two (2) weeks till you have compensated the full amount ($100). These payments are robotically allocated to the credit or debit card you used to make the expenses. However, the QuadPay/Zip shows a reminder before portraying you.

QuadPay Sign-Up Requirements

To sign up for the Zip account, a user must fulfill the below requirements.

  • The user must live in the United States of America.
  • Have a valid U.S. mobile number.
  • The user must have to be 18 years old.
  • Have a legal mailing address in the U.S.
  • Have a U.S. credit or debit card for purchasing.

NOTE: This finance company correspondingly inquires for additional personal information to verify user identity. That includes the date of birth, family details, driving license, and other related documents.

Does Zip Charge Any Fees?

Zip does not execute interest, unlike other credit-based payment companies. So, a user doesn’t have to be anxious about accumulating a lot of interest when buying something, whether it is an outfit or just to pay for lunch costs. However, as per the Zip customer service model, the corporate is actually based on charging the store a user shopping with a payment.

The below-mentioned are the only expenses that Zip users must pay.

  • Installment Fees: This customer service will charge one dollar ($1) per installment and put to all purchases made via the QuadPay app. it means a user will be paid $4 additional for every purchased item.
  • Late Payment Charges: Another charge sustained is the late payment fees. This fee could be any $5, $7, or $10, depending on the state the user lives in.

NOTE: To evade additional fees, just pay your installments on time.

Which Stores Accept QuadPay Customer Service?

QuadPay Customer Service
QuadPay Customer Service

The Zip is accepted everywhere because the application can progress in-store payments. However, Zip has over 22000 suppliers who have connected with the app directly for online shopping. Yet this financial service blocks stores that sell restricted items like guns, cannabis, and others.

Below we have listed the vendors who have online connections with the app.

  • Amazon
  • Apple
  • Best Buy
  • Bath and Body Works
  • Bloomingdales
  • Costco
  • Famous Footwear
  • Footlocker
  • Fashion Nova
  • GameStop
  • H&M
  • Macy’s
  • Nike
  • Newegg
  • PetSmart
  • Sephora
  • Target
  • Victoria’s Secret
  • Walmart


QuadPay (buy now pay later), nowadays known as Zip, is one of the approaching payment customer services. They offer users the option to recompense for their procurements in four without-interest fess installments every two weeks.

In this stimulating guide, we have described everything about this company and how it works. If you have any queries related to this post, please tell us in the statement box; we are always here to guide you.