Quadpay gives savvy shoppers more freedom and flexibility with our buy now, pay later platform. It’s a smarter way to stretch your funds.
SPLIT ANY PURCHASE IN 4
Shop your favorite brands and pay with your linked account in 4 installments over 6 weeks. Get approved instantly, with no application forms or hassle.
USE QUADPAY ANYWHERE, ONLINE OR IN-STORE
Install our app and use Quadpay anywhere you shop—whether online or in-store. Add Quadpay to your Apple Wallet or Google Pay for easy access.
THE SMART ALTERNATIVE TO CREDIT
No hard credit checks, and no impact on your credit score—ever. We’ll let you know when installments are due so you’re on top of every payment.
HOW DO I USE QUADPAY?
1. Install the app and link your payment card to start shopping.
2. Browse our directory of merchants, or make purchases directly with the Quadpay app anywhere that accepts Visa.
3. Enter the amount you’d like to spend (including any taxes or shipping costs!).
4. Your purchase will be split into 4 easy installments over 6 weeks. Easily track your spending, view transaction history, and manage open payments in the app.
5. Update or change your account details, including payment method, any time.
6. Get answers to frequently asked questions and contact our support team directly from the app.
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Ratings and ReviewsSee All
Love the concept
I didn’t know about the app until I was purchasing something from fashion nova and it gave me the option to use quadpay. So I gave it a try. What it does is basically break down your total amount into 4 equal payments that you pay over the next 6 weeks. There is no interest added, it will be the same amount for each payment. You can also pay off a payment before it’s due date. The quadpay card is set up to my credit card, that’s where the payments will be charged. But the actually quadpay card gives me a $400 available balance. I believe your available balance will automatically increase over time. So if I wanted to buy an Apple Watch for $349, I use my quadpay card and it’s breaks the $349 into 4 equal payments to pay off in the next 6 weeks. The first payment will be due at checkout. Then that will leave you with a $51 available balance on your quadpay card. You can use that $51 and make another purchase and pay it off in 6 weeks also. Once you pay off one purchase it goes back into your available balance to use again. So far I actually love the app. I just wish I could have a higher available balance. But I love the fact that there is no interest added. So your not paying any extra money.
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....
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.
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With Family Sharing set up, up to six family members can use this app.