Zip - Buy Now, Pay Later App Positive ReviewsZip Co US, Inc.

Zip - Buy Now, Pay Later Positive Reviews

4.9
4.90862 star

Total 31 Positive Reviews

Zip - Buy Now, Pay Later App User Positive Comments 2023

Zip - Buy Now, Pay Later app received 31 positive comments and reviews by users. Can you share your positive thoughts about zip - buy now, pay later?

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Zip - Buy Now, Pay Later for Positive User Reviews

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!!.Version: 1.90.1

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!🎄☃️🎅🏼.Version: 1.85.2

UnprofessionalI 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.Version: 1.90.1

THIS APP IS AMAZAINNNNNOk 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..Version: 1.25.12

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 💗.Version: 1.85.2

AmazingI 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..Version: 1.39.2

Bad customer service/ False informationI’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!.Version: 1.90.1

DUHHH The BEST APP EVERSo 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!.Version: 1.30.3

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..Version: 1.34.3

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.....Version: 1.82.8

One of the best 4 way payments plan appsThe 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‼️‼️‼️‼️.Version: 1.85.2

Best app hands downI 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..Version: 1.40.20

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..Version: 1.77.1

Still pretty newI’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..Version: 1.85.2

Not the best app/customer service for returnsThis 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..Version: 1.154.1

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..Version: 1.85.2

Love love loveSo 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..Version: 1.70.10

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!.Version: 1.69.1

Quad Pay: get it now, pay it laterI 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!.Version: 1.105.0

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!!!!!.Version: 1.47.14

Pretty neat appQuadPay 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..Version: 1.71.1

Use this to pay rentThis 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!.Version: 1.123.2

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..Version: 1.49.16

Easy & effective payment methodI 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!.Version: 1.44.1

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..Version: 1.80.2

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..Version: 1.129.0

Great App and Customer ServiceI 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..Version: 1.171.5

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.).Version: 1.80.2

First time using QuadpayI’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..Version: 1.68.1

Easy to use online but the store is a different storyI 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..Version: 1.31.9

Easy cash flowOk 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!.Version: 1.77.1


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