Quadpay: Buy Now, Pay Later

Quadpay: Buy Now, Pay Later Wiki

Written by QuadPay, Inc.


Rated 4.85447 From 87,105 Votes
$ 0.00
  • Last Updated: 2020-11-24
  • New version: 1.85.2
  • File size: 84.92 MB
  • Compatibility: Requires iOS 10.3 or later. and Android 4.4. KitKat or later

Quadpay: Buy Now, Pay Later


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Quadpay: Buy Now, Pay Later is an iPhone and Android Shopping App, made by QuadPay, Inc.. Today, it has gone through many interations by the developers - QuadPay, Inc., with the latest current version being 1.85.2 which was officially released on 2020-11-24. As a testament to the app's popularity or lack thereof, it has gathered a total of 87,105 Reviews on the Apple App Store alone, with an average user rating of 4.85447 out of a possible 5 stars.

How does it Work?


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. CONNECT WITH US For daily style tips, lifestyle hacks, and up-and-coming brands you’ll love, follow us on Instagram. https://www.instagram.com/quadpay/

Top Reviews

  • It’s okay...


    By A1TSD
    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..


    By Can't find an available one
    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.
  • Easy & effective payment method


    By Lcalcrazee
    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!
  • 1st Experience


    By @steady_smilin
    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 the app 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 the app. 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.
  • It’s so EZ...


    By JRnWV
    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.
  • Credit card killer!


    By I'm rich B*tch!!
    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.)
  • One of the best 4 way payments plan apps


    By sierranoels
    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 this app has it all. Try it out you definitely won’t regret it. It’s worth it‼️‼️‼️‼️
  • Fraudulent App


    By Mol090909
    I’ve spent around $1000 total this year through this app, 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 the app 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 THIS APP. 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!!
  • Poor service


    By C. saathoff
    This app 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 the app 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 the app the ability to use it anywhere is great, but now I don’t know if I will even try to use it again.
  • Pretty neat app


    By 13_Akane_13
    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.

External Links

QuadPay, Inc. Official Website

Download for Free on On iTunes
Download for Android

Disclaimers:
This page was last edited on 2020-11-24.
Content is available under CC BY-NC-SA 3.0 unless otherwise noted.
Quadpay: Buy Now, Pay Later content and materials are trademarks and copyrights of QuadPay, Inc. or its licensors. All rights reserved.
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