Common questions about Quadpay

Everything you need to know before you get started.
If you can’t find the answers you’re looking for, contact us.

About QuadPay
What is QuadPay?

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

Why would customers use QuadPay?

Why would you want to pay for a purchase all at once if you didn’t have to? By paying the QuadPay way, you will only be paying 25% of that order day one, with 0% interest.

Are there any fees?

There are no fees if you pay on time. We only charge a $7 fee on any installment that is overdue. If after 7 days the account is still past due, then a second $7 account fee is added.

What information do you take from me?

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.

My Account
Is there a limit as to how much I can spend with QuadPay?

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

QuadPay will charge you 25% of your purchase amount at the time of the transaction. If you don't have this available your order won't go through.

If you are a repeat purchaser and have made all your repayments in time, there is a good chance you will receive a higher limit than somebody who is a new customer.

If you have 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 you can spend.

We also look at the total value of your order and can deny transactions if they exceed certain limits. Sometimes reducing the value of your order can help.

Signing Up
How do I sign up?

You can sign up during the Checkout process on any one of our registered Merchants websites. For the initial sign up we will just need your date of birth, a mobile number and either a debit or credit card. You'll know if you are approved instantly! To subscribe to our emails use this link:

Who can use QuadPay?

In order to have an account with QuadPay, you must:

  • Live in the US
  • Be at least 18 years old
  • Have a valid and verifiable mobile number
  • Use a US credit or debit card to make a purchase
Payments and Cards
Can I add another payment card to my account?

You can have as many cards on file as you’d like by logging in to your customer account at

Do I still get points and rewards through my credit card purchases?

You will still receive points and rewards if your credit card is used at the time of the QuadPay purchase.

Where can I track my orders paid through QuadPay?

QuadPay has a portal where customers can log in by entering just their mobile number and have instant access to their past and current orders.

Will I be notified before I am charged for an installment?

We notify our customers via SMS and email ‘in advance’ of payments becoming due.

Can I pay the balance of my installments early?

Of course. Just log into the Portal and choose the order you wish to pay early.

When is my first payment due?

Your first payment is due at the time of your purchase. The next three payments are bi-weekly, over 6 weeks.

What if I lose my card and cannot pay on time?

If for whatever reason you’re having an issue paying on time contact

You will be notified via text message or email of the upcoming charge. If the charge remains unpaid for seven days we will incur a $7 late fee on missing a scheduled payment with a further $7 added seven days after payment due so it’s important to notify QuadPay to avoid a late fee if you’re having trouble updating your payment.

What if I lose or want to change my card of payment for an existing order?

QuadPay associates a Payment Card with an Order when you first complete the checkout process for that Order. If you need to change which payment method is used for future installments for an Order, follow these steps to associate a different card with a given Order. This will cause all further installments for that Order to be billed against your new Payment Card. You will need to repeat this process for each Order you would like to migrate to a new Payment Card. If you would like to use a Payment Card not yet associated with your QuadPay account, follow these instructions to add that card to your account first:

  • Log into the Customer Portal at
  • Go to the Orders Page
  • Click View Order for the order you would like to change
  • Click Edit next to the Payment Card in the Order Details
  • Click Use This Card next to the card you would like to use for future installments
My order did not go through; why was I charged?

When an attempt at a purchase is made you will see that pending charge sit there. If the purchase is successful the charge will go through after ~24 hours.

If the purchase is not successful and you did not receive an order confirmation, then the charge will be removed from the account after ~24 hours.

How do I know if I have finished my payments?

QuadPay has a portal where customers can log in by entering just their mobile number and have instant access to their past and current orders.

You'll be able to see which installments have been paid and which installments are still outstanding

I tried to use QuadPay but got an error when I went to checkout?

Remember, you can only use QuadPay if you: Live in the US, are at least 18 years old, have a valid and verifiable mobile number, and are using a US credit/debit card to make a purchase. If there is an issue with your payment Card we recommend reaching out to your Bank first to see what the issue is.

Returns and Refunds
How do returns, refunds, and partial refunds work?

As soon as we are notified of the return, our customers are refunded the amount they’ve paid to-date and QuadPay cancels all future payments.

What happens after I return my order?

As soon as the Merchant notifies us of the return, our customers are automatically refunded that amount and QuadPay cancels any applicable future payments. If you have a question about the refund amount, reach out to the Merchant for details!

I got an email saying I was refunded, but I don’t see that amount on my card?

If you have not already paid all four installments then we will apply a credit towards them. If the credit is more than your open installments it may be split up; partially applied to your payment plan and partially refunded to your credit card associated with the order.

If you have already paid all four installments then we will refund your credit card associated with the order.

Just like you pay in installments we will refund you in that manner. So make sure you look through your credit card statement for 1-4 refunds from QuadPay.

About QuadPay
What is QuadPay?

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

Why should I use QuadPay?

QuadPay has proven to bring new customers, increase average basket size as much as 50%, and has increased conversion rates as much as 20%. The catch? None. As a merchant, you are guaranteed up-front payment and QuadPay assumes all chargeback and fraud risk.

What are the fees?

Just like the Paypal’s and Visa’s of the world we charge a merchant processing fee. Typically it is a little higher than credit cards, but don’t worry this is inclusive of all of the Merchant fees you’re paying now as well as covering fraud and chargeback risk.

How is this different from any other payment plan option?

QuadPay is simple. We are a 2-3 step process that requires only your customer’s date of birth telephone number. There are no hidden fees, no hard credit checks, and it’s always interest-free.

How do payments work?

We use Stripe to receive and transfer funds to our merchants. Setting up an account is a simple and secure process, QuadPay does not have access to any of the information you share with Stripe. QuadPay will transfer funds to you on a daily basis.

What platforms do you support?

We are working on integrating with new platforms everyday. Currently we integrate with:

  • Custom API
  • Shopify
  • Woo Commerce
  • Magneto
  • Salesforce Commerce Cloud
  • Oracle Commerce
  • Spree
Where does QuadPay live on my site?

Customers will see a very simple QuadPay widget on the product page, sitting below the headline showing the amount when split over 4 installments. The widgets and modals can be customized to your brand and site upon request. QuadPay will appear a second time at checkout under the payment options, however you can include QuadPay on any page, such as on the homepage as a promo banner or popup.

Become a QuadPay Merchant
How do I apply?

We would love to connect to hear more about your business. Please provide just a contact name and email via this link and a team member will be in touch shortly.

Your QuadPay Merchant Account
What if I choose to discontinue using QuadPay on my site?

We do not lock you in, QuadPay can simply be removed from your site at any time you wish.

When do we get paid?

Our merchants get paid immediately via a Stripe transfer the next day just like they would via Paypal, Visa, Mastercard…

How do I track my customer’s orders paid through QuadPay?

We have an easy to use Merchant Dashboard where you can view all order and payments.

How to refunds and returns works?

Returns are processed in exactly the same way as they are typically done. The payment is effectively credited in the next batch payments we send to the merchants. There's no need to change your current processes, and we refund the customer directly for any installments related to the purchase that the customer has already paid.