Quadpay FAQ

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 them to buy now, pay over time and avoid interest repayments.



Frequently Asked Questions



What does it cost me to use QuadPay?

If a customer pays on time, there is never a cost to using QuadPay.


Are their late fees?

We only charge a $7 fee on a late payment that’s seven days overdue. We reserve the right to charge a further $7 fee, if the customer remains late 14 days after the original payment due. $14 is the maximum a customer will ever be charged for an individual order.


Is there a hard credit check?

No. QuadPay never performs a hard credit check on a customer and there is no impact on a customer’s credit rating by using QuadPay.


How do refunds work?

As soon as the we approve and process a refund that has checked out with QuadPay, the refund is immediately processed by QuadPay.

If the refund is in full, the customer will have any funds paid to-date refunded
immediately to their card and all future installments will be cancelled.
If the refund is partial, the refund amount will be applied to the total purchase amount, starting with the last installment.

For example, if a purchase was for $100 (4 x $25 installments) and a partial refund of $25 was issued by the merchant, QuadPay would cancel the 4th installment. If a refund of $50 was applied, QuadPay would cancel the 4th and 3rd installments.

What payment types are accepted?

QuadPay accepts all US credit and debit cards (including American Express and
Discover). However, QuadPay cannot accept credit or debit cards from overseas or pre-paid debit cards.


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

Where can I review my order?

Customers can login to the customer portal to review their order, update their payment details and make additional payments here: https://customer.quadpay.com/


Can I change my payment date?

Customers can request to move a payment date moved by contacting
support@quadpay.com. Please note, it can take 24-48 hours for the update to be
If a customer does miss a payment, as long as they pay within 7 days of the payment date they won’t be charged a late fee.


Is there a limit to how much I can spend on QuadPay?

QuadPay does not approve every order. QuadPay’s automated system takes into
account various factors to determine whether customers are approved and what spend limit we can provide customers with.
QuadPay will charge the customer 25% of the purchase amount at the time of the
transaction. If the customer don't have this available their order won't go through.
If a customer is a repeat purchaser and have made all their repayments in time, there is a good chance they will receive a higher limit than somebody who is a new customer.
If they 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.
QuadPay also look at the total value of the order and can deny transactions if they
exceed certain limits.


Why has my card been charged multiple times?

This is typically because the wrong zip code has been entered. When this occurs, the
customer’s bank may hold the funds as pending temporarily. Importantly, in this
instance, they haven’t been charged and this will be reversed shortly.
If the issue persists, please have the customer contact their bank in the first instance
and if they confirm a charge has been made, please contact support@quadpay.com


I want to know when my next payment is due.

Customers can view or make a manual payment in their customer portal

A customer needs to update their payment details
Customers can update their payment information in the https://customer.quadpay.com/


What information does QuadPay need 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.