Zip - Buy Now, Pay Later Reviews

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....

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!

I’ve completed and paid off one purchase so far and transaction and payments went smoothly. I’ve recently used Zip 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.

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

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!🎄☃️🎅🏼

Most times I make a purchase with Zip, I encounter a problem. Zip 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 Zip 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 Zip says the purchase wasn’t completed. The purchase I made before that with this app (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 this app (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 Zip 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.

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 Zip 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.)

When I saw the ads for Zip 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.

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 💗

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!

Logged on to FashionNova to order my Fiancée a sexy red dress & sexy red lingerie for Valentine’s Day. Ready to check out, I noticed the QuadPay option of 4 breakdown payments and with a wedding in the near future, I’m trying to save/manage every penny! Not to mention Zip was compatible with the SUPER50 promo(1/2 price sale) the website was offering. Half off + 4 payments + A card to add to my apple wallet = Highest Appreciation!!!
On a technical critique, I noticed being redirected from the original website into the QuadPay app, the usage was very choppy/lagging, not sure if its bugs in the latest version or if internet traffic from the FashionNova sale was causing a delay. However the slow interaction made it extremely difficult and highly frustrating to complete the purchase, especially since I personally didn’t understand the check out process of selecting QuadPay as the pay process (this redirected me back to the checkout screen multiple times and caused “errors”) vs the actual solution of removing my own debit card info and replacing it with the new Visa card info which is given to the user in Zip . Please consider making a smoother checkout transition for new comers. Overall, outstanding app & online store selections, looking forward to using the Apple Pay feature in physical stores. Job Well Done.

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. Zip 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!!!!!

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 Zip has it all. Try it out you definitely won’t regret it. It’s worth it‼️‼️‼️‼️

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.

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, Zip allows you to use QuadPay anywhere, you just open Zip and type in the website you want to go to and at check out there’s a banner at the bottom of Zip 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.

I’ve spent around $1000 total this year through Zip, 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 Zip 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 Zip. 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!!

Zip 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 Zip 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 Zip the ability to use it anywhere is great, but now I don’t know if I will even try to use it again.

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. Zip 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 Zip now and once I get my account resolved I’ll never use them again.

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. Zip 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 Zip got 4.9 out of 5 is beyond me.

Shawn

READ BEFORE YOU SIGN UP!! Found Zip 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 Zip . 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 Zip , 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 I downloaded Zip 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 Zip 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 Zip 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!

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 Zip is overall. It’s like a much safer credit card with no interest. I’m very impressed.

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 Zip 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 Zip before you make a purchase so that you do it correctly. Thanks QuadPay for everything you guys are awesome.

They give no info. I’ve used Afterpay and Sezzle (and even Sezzle at bass pro for 6 month financing) for quite some time with no issue and thousand repaid. Quadpay in the original model never had stores I was interested in so perhaps that is why, I didn’t use them for a purchase through Ugg so cannot use them for a smallish purchase with their new system unlike how I could use Sezzle at bass pro no problemo. They will not disclose how they pick and choose which is obviously not credit based since they ask for zero info, no last 4 (Sezzle does for the 6 month financing), don’t even ask for bank or card info before denial (which I have enough flow to show easy repayment). I rate 1 star for lack of transparency here. Afterpay and sezzle let you start off small and increase unknown limits over time, which was no problem over the past year, I always am approved. I can drop 200$ and usually pay off early. The option for these types of services is quite nice when there is a sale and your check is due 2 weeks later anyways or you have an event/holiday/occasion requiring gift buying and are watching budgeting. Interest free and not using credit cards is also preferred. I’d request quadpay be more transparent on the denials, I’d reckon not having used prior to the change but since they aren’t an actual creditor they don’t seem to tell you why.

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 Zip 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.

This used to be an amazing app, unfortunately things seems to have changed. I have purchase multiple items from QuadPay, and never made one late payment. The first mishap happened with a refund I received from merchant, it took QuadPay weeks to refund me and remove the installments from my account. No big deal though, I figured it was more than likely due to how quickly the merchant communicated the refund to them so I disregarded it. Anyway, I had more than enough funds in my available credit balance to make purchase. I submitted the order a usual and immediately received an error message in Zip telling me my account was on hold. I figured it might be a glitch and attempted the order again, same message. I reached out to the support team via email and received the most generic response ever. I was told that the message was in response to me attempting to make a purchase that exceeded my limit. I emailed back and told the person that the purchase was not even near my limit so that obviously makes no sense. I’m still waiting for a response, but you would think their customer services reps would be more in sync with exactly what each error messages means rather than giving general, generic responses that are not specific to the situation.

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 Zip 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.

The service that I received although it was by chat was excellent. Zip 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!!

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.

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 Zip: 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).

I’ve used Zip once — in store. I misunderstood how to use it, probably because the common questions and answers weren’t available on Zip . 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.