ZIP - Formerly Quadpay

Zip’s concept is simple: Make a purchase today and split the payment into four equal interest-free installments. Shoppers can use Zip for both online and in-person shopping. Learn more about how it works and if it’s right for you.

Zip lets you split any purchase into four payments. Once you download the app and link your payment source (a credit or debit card), you can use Zip to pay for your purchases. Then, Zip bills your payment source four times—one on the date of purchase and three more times every two weeks afterward.

Is There a Minimum Purchase Size When Using Zip? 

Pay in full or in 4 interest-free installments for orders between $50 and $3000 with  


Is There a Maximum Purchase Size When Using Zip?

Yes. Zip determines what your spending limit is when your application for an account is approved. Depending on the plan, transactions will be denied if they take you over your limit.

For certain purchases, you may be given the option to leave a down payment if the purchase price exceeds your approved limit. So, if the purchase is $150 and you have a $100 limit, Zip may give you the chance to pay $60 upfront.

This brings your balance ($90) down below your limit of $100. The remaining installments would be split into three $30 payments.3

Do Products Bought With Zip Ship After First Payment?

Once you complete your transaction, your items will ship the same way they would if you used a different payment method.

Yes, if the entity accepts BPAY. However, BPAY is only available for customers with bank accounts in Australia.4

Zip gives each user an available balance they can use for any purchase. While there is no limit to the number of items you buy or places you shop, you are limited by how much your available balance is:

  • Zip Money: You can be approved for a limit of $1,000. Additionally, if you apply for a line of credit through a merchant, you might be approved for more than $5,000.5

Does Zip Affect Your Credit Score?

Your credit score won’t get dinged when you sign up for Zip, but late payments might hurt your credit if the company sends an unpaid bill to collections.

Does Zip Check Credit?

Zip does not use a hard credit check during the approval process, which means your credit score will not be affected when you sign up. However, Zip states that it does use credit-related information in connection with your application and account use.6

Does Zip Report Your Activity to Credit Bureaus?

Though some buy-now-pay-later services may help improve your credit, Zip does not report on-time or late payments to credit bureaus.6


 However, your Zip account may be reported to credit bureaus if you don’t make payments and your account goes to collections.

Also, keep in mind that you can use a credit card to pay your Zip balance. Zip bills your credit card, so if you don’t make your credit card payment on time, your credit card issuer may report your late or delinquent payments to the credit bureaus.

On the other hand, your credit card issuer will also likely report on-time payments to the bureaus, which can help build your credit.

Zip notes that accounts go to collections mainly because payment cards on file are expired and can’t be used to make an installment payment. You can keep this from happening by adding a backup card to your Zip account.7

What Credit Score Do You Need to Use Zip?

Zip does not list a minimum credit score requirement. Your credit information plays a part in Zip’s application decision, but the company doesn’t share the details of its decision process. This makes it hard to know how much of a role your credit plays in your approval.

Does Zip Charge Interest?

Zip Pay's installment plans are interest-free. If you choose Zip Money instead, there is a promotion for an interest-free three-month period, which changes to a 19.9% APR (annual percentage rate) after the period expires.5

Does Zip Charge Fees?

Each time you use the Zip app for a purchase, you will incur a $1 platform fee per installment payment. This means that if you make four payments, you'll pay $4 in platform fees in addition to the price on the tag and taxes. If your payments are late, Zip charges fees of $5, $7, or $10, depending on the state you live in.8

Zip Pay and Zip Money both have a monthly account keeping fee of $6, only charged if you have an outstanding balance at the end of the month.9 Higher credit limits might incur additional fees on outstanding balances with a Zip Money account.10

If you use Tap & Zip overseas, the app feature for contactless payment, you'll be charged an additional 1% fee for an international transaction.11

Is Zip Safe?

When you sign up, Zip asks for your name, address, date of birth, a U.S. mobile number, and your payment method (either a debit or credit card). Then, when you use the app for a purchase, you get a virtual card number for one-time use. This is a secure way to complete an online transaction since the virtual number is not tied to your actual personal account information.

As far as your finances go, your installment payments are set automatically so you don’t have to remember to pay every two weeks. Just be sure you have the funds to cover your payments and that you have a backup card on file to ensure payments are made on time and your account avoids collections.

Do not save your Zip virtual card as your preferred payment method on any website. Since it’s a virtual card number unique to just one purchase, it won’t work for future transactions. 

How to Use Zip Online

To use Zip online, you need to access the stores through the app. Search the app to see if the retailer is listed. If you find the store you want, do your shopping as normal within the app, and then click the “Pay with Zip” button at checkout. Zip will generate a virtual card you’ll use to pay for your purchase. Then, you’ll receive the details of how much your payments will be and when they’re due. Once you accept these terms, you’ll enter your virtual card information and complete the payment.

You can see your balance in the app, and the amount will adjust as you make new purchases and payments, just like with a credit card.

How Do Returns Work When Using Zip?

If you need to return merchandise, work with the retailer directly to get your refund. Once it’s initiated, you’ll be reimbursed the amount you’ve paid so far to Zip, and any future installments will be canceled. If you have a remaining balance on the account, Zip will apply the refunded amount toward it.13

Zip notes that Fashion Nova is one retailer that may give you a store credit for returns rather than a refund. In that case, you’ll still be responsible for paying the Zip loan.14

How Do I Pay Zip?

The debit or credit card you give Zip will pay your installments. Zip does not accept pre-paid cards, PayPal, ACH bank transfers, or money orders as a payment source.2

What Happens If I Don’t Pay Zip?

If you fail to pay, Zip will send your account to collections. In this case, you will likely be reported to the credit bureaus.7



Customer Support FAQ

For help with the QuadPay App, read here:

For help with the QuadPay Checkout, read here:

QuadPay is readily available to help customers with QuadPay payments. However, QuadPay is unable to help customers with issues related to delivery, returns, refunds, and cancellations.

How can a customer contact QuadPay?

If a customer has an issue with their payment (for example, they’re not going to be able to make a payment on time or their card was stolen) direct them to

Customers will receive an acknowledgment immediately and a response within 24 hours.

Customers can also check on their order by logging into their account at:

Finally, customers can learn more about QuadPay by reading QuadPay’s FAQ:

What is QuadPay?

QuadPay’s payment platform gives shoppers the choice to pay for their purchases via 4 simple installments. QuadPay is a platform built for shoppers, that empowers them to buy now, pay over time and avoid repayments.

What does it cost a customer to use QuadPay?

If a customer pays on time, there is never a cost to using QuadPay.

Are there late fees?

We only charge a $7 fee on a late payment that’s overdue. We reserve the right to charge a further $7 fee, if the customer remains late 7 days after the original payment due. $14 is the maximum a customer will ever be charged for an individual order.

Is there a hard credit check?

No. QuadPay never performs a hard credit check on a customer and there is no impact on a customer’s credit rating by using QuadPay.

How do refunds to the customer work?

As soon as the merchant approves and processes a refund for a customer that has checked out with QuadPay, the refund is immediately processed by QuadPay.

If the refund is in full, the customer will have any funds paid to-date refunded immediately to their card and all future installments will be cancelled.

If the refund is partial, the refund amount will be applied to the total purchase amount, starting with the last installment.

For example, if a purchase was for $100 (4 x $25 installments) and a partial refund of $25 was issued by the merchant, QuadPay would cancel the 4th installment. If a refund of $50 was applied, QuadPay would cancel the 4th and 3rd installments.

What payment types are accepted?

QuadPay accepts all U.S. credit and debit cards (including American Express and Discover).

However, QuadPay cannot accept credit or debit cards from overseas or pre-paid debit cards.

Who can use QuadPay?

In order to have an account with QuadPay, you must:
Live in the U.S.
Be at least 18 years old
Have a valid and verifiable mobile number
Use a U.S. credit or debit card to make a purchase

What should we tell a customer who has not been approved with QuadPay?

QuadPay assesses multiple information points about customers and their purchases to algorithmically determine customers' eligibility to use their service. QuadPay undertakes this assessment independently of their retail partners.
If you have any questions about QuadPay's assessment criteria, please reach out directly."

Where can a customer review their order?

Customers can login to the customer portal to review their order, update their payment details and make additional payments here:

Can customers change a payment date?

Customers can request to move a payment date by contacting Please note, it can take 24-48 hours for the update to be reflected.

Is there a limit to how much a customer can spend on QuadPay?

QuadPay does not approve every order. QuadPay’s automated system takes into account various factors to determine whether customers are approved and what spend limit we can provide customers with.

QuadPay will charge the customer 25% of the purchase amount at the time of the transaction. If the customer doesn't have this amount available, the order will not go through.

If a customer is a repeat purchaser and has made all prior repayments on time, there is a good chance they will receive a higher limit than somebody who is a new customer.

If a customer has multiple orders that are not fully paid off with QuadPay, it can help to pay off orders in advance. This can sometimes increase the amount the customer can spend.

QuadPay also looks at the total value of orders and can deny transactions if they exceed certain limits.

Why has a customer’s card been charged multiple times?

This is typically because the wrong zip code has been entered. When this occurs, the customer’s bank may hold the funds as pending temporarily. Importantly, in this instance, the customer hasn’t been charged and this will be reversed shortly.

If the issue persists, please have the customer contact their bank in the first instance and if they confirm a charge has been made, please contact

A customer wants to know when the next payment is due?

Customers can view or make a manual payment in the customer portal:
Customers can also pay the purchase in full early.

How does QuadPay handle when a customer returns an item purchased with QuadPay?

As soon as QuadPay is notified of the return from the merchant, the customer will be refunded.

How can customers update their payment details?
Customers can update their payment information in the

What information does QuadPay need from a customer?

For initial sign up we only need your date of birth, mobile number, and either a debit or credit card. After that we only need you to enter your mobile number to make a purchase through QuadPay. QuadPay is completely secure.