Zip previously Quadpay

35.2K reviews
Content rating
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About this app

Zip (previously Quadpay) gives savvy shoppers more freedom and flexibility to buy now, pay later where they want with the Zip app.

Split payments into 4 easy installments, pay over 6 weeks¹, and enjoy shopping at millions of online and in-stores.
If you’re a super deal finder, this is the smarter way to find great deals, shop now, pay later, and stretch your funds.

Buy now, pay later: shop your favorite brands and pay with your linked account in 4 payments over 6 weeks¹. Get an instant decision³, with no long application forms or hassle.

Install our app and use Zip (previously Quadpay) pretty much anywhere² you to shop now and pay later — whether online or in-store. To make payments seamless, add Zip to your Apple Wallet or Google Pay for easy access, with amazing shopping at millions of stores².

Our buy now, pay later platform helps you pay for your shopping in 4 payments¹ and is a smart alternative to credit card interest. When you use Zip (previously Quadpay), there is no impact on your credit score — ever. We’ll let you know when installments are due, so you’re on top of your split payments & purchases.

If you’re a great deal finder, you’ll love Zip, which allows you to shop now, pay later in 4 payments¹. Zip is a great alternative to credit so that you can get the things you need and easily split payments.

Install the app and link your payment card to start shopping in millions of online and in-store retailers.
Check out our deal finder, browse our directory of merchants, or make purchases directly with the Zip (previously Quadpay) app at places that accept Visa².

Enter the amount you’d like to spend (including any taxes or shipping costs!). Your purchase will be split into 4 payments over 6 weeks¹, taking the worry and hassle out of shopping by allowing you to shop now, pay later. Easily track your spending, view transaction history, and manage split payments in the app.
Update or change your account details, including payment method, at any time.
Get answers to frequently asked questions and contact our support team directly from the app.


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¹For a $200 purchase, you'd make four $51 payments every two weeks starting today for a 34.7% annual percentage rate and a total of payments of $204. A $4 installment fee is charged at commencement - you pay $1.00 of this fee as a prepaid finance charge when you make your initial payment today. The remaining $3.00 is included in your future payments. A minimum purchase of $35 is required. Estimation of installment payment and annual percentage rate excludes potential tax and shipping costs. Zip Pay Anywhere financing through Zip issued by WebBank, and subject to credit approval.

²Zip can only be used for US purchases. Certain merchant, product, goods, and service restrictions apply.

³eligibility criteria apply
Updated on
Nov 8, 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Personal info, Financial info and 3 others
Data is encrypted in transit
You can request that data be deleted
35.2K reviews
Carrie's Nest
November 27, 2022
Almost all my purchases get Declined, especially if they're clothing items. Since when does a pay in 4 get to tell you what purchases you make if you're paying!? This app is very frustrating, shopping with this app is frustrating! I've never had so much trouble out of a pay in 4 app or service! I had the spending power but still certain items were declined for payment and I had to find another method of payment or cancel my items! This service was good before it was Zip. Very disappointing!
3 people found this review helpful
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November 13, 2022
Just started using. It's been great! Having that option to use it in a store as well. The creation of a temporary digital card connected to your account for an instore transaction is a fast and slick idea. This app is worth it. I just started so I haven't had an experience with the increase in spending yet and how they works, but if it works as smooth as everything else, I know it won't be any worry.
15 people found this review helpful
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Brandy Hood
September 27, 2022
I love Zip(formerly known as quad pay), for the most part it's great, it's super easy to use, nice option to have to be able to pay in 4 payments. My only complaint is that I used it many times and always paid and took a short break from using it and now my amount available to spend has decreased quite a bit from where I started out at . I think that is backwards in my opinion. Should be more instead of less but that is my only gripe.
60 people found this review helpful
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What's new

Bug fixes