Zip - Buy Now, Pay Later

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!

ask user to change the rating

So I found from one of the websites I was purchasing from. I thought I would try it and found it was really easy. QuadPay then had my email Address and invited me to try the app. It’s been very difficult to try to navigate the final purchase online when using QuadPay and it has resulted in funds being pulled from my account without the transaction actually going through. So I had a failed transaction that I essentially paid for. Not okay. When I contacted customer support they said it was a requirement to “hold the funds until the transaction goes through and if it doesn’t then release the hold but it can take up to 10 business days for me to receive my money back” not okay. Update: I have emailed their “customer support center” twice now and all I get is an auto generated reply telling me to go to their website and click on their help links to guide me through what to do. Complete lack of accountability or helpfulness is all I’m getting from QuadPay. Looks like I am out a few hundred dollars and nothing to show for it. 2nd Update: Quadpay keeps getting back to me ONLY to reply with the exact same thing “please email us with your concern and we will look further in to it” the email they provide me with IS the one I have been using so they are either not reading any of it, or they are just trying to make themselves look better by giving everyone this same reply, who has this exact issue, on their review section. Or both.

ask user to change the rating

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!!

ask user to change the rating

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.

ask user to change the rating

READ BEFORE YOU SIGN UP!! Found this app 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 the app. 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 the app, 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.