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 them to buy now, receive purchase while making payments, pay over time and avoid interest repayments.
What does it cost a customer to use QuadPay?
If a customer pays on time, there is never a cost to using QuadPay.
Are there late fees?
We only charge a $7 fee on a late payment that’s overdue. We reserve the right to charge a further $7 fee, if the customer remains late 7 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.
What payment types are accepted?
QuadPay accepts all U.S. 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 U.S.
Be at least 18 years old
Have a valid and verifiable mobile number
Use a U.S. credit or debit card to make a purchase
Where can a customer review their 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 customers change a payment date?
Customers can request to move a payment date by contacting firstname.lastname@example.org. Please note, it can take 24-48 hours for the update to be reflected.
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 a customer 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 doesn't have this amount available, the order will not go through.
If a customer is a repeat purchaser and has made all prior repayments on time, there is a good chance they will receive a higher limit than somebody who is a new customer.
If a customer has 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 the customer can spend.
QuadPay also looks at the total value of orders and can deny transactions if they exceed certain limits.