Zip - Files compression & extraction

Zip, previously known as Quadpay, empowers savvy shoppers with enhanced flexibility to make purchases now and pay later using the Zip app. The platform allows users to split payments into four simple installments, pay over six weeks, and enjoy seamless shopping experiences both online and in-store. If you are adept at finding great deals, Zip presents a clever solution to discover remarkable offers, shop immediately, defer payments, and extend your budget.

Split any transaction into four equal parts: Shop for your preferred brands and complete transactions through your connected account in four payments spread over six weeks. Receive an immediate decision without extensive application forms or inconveniences.

Explore Zip:

Use Zip everywhere you prefer: whether shopping online or in physical stores, leverage Zip (formerly Quadpay) extensively to purchase now and pay later. To ensure smooth transactions, seamlessly integrate Zip with your Apple Wallet or Google Pay for handy access across a vast array of stores.

An intelligent substitute for credit card interest charges: Zip's buy-now-pay-later service enables you to divide your shopping expenses into four payments and serves as a brilliant alternative to incurring credit card interest. Utilizing Zip does not impact your credit score. Notifications will be provided when installment payments are due, ensuring transparency and control over all split payments and purchases.

If you have a knack for discovering excellent deals, Zip is designed for you. It facilitates shopping now and paying later in four installments, offering a beneficial alternative to traditional credit solutions, making it easy to acquire necessary items by splitting payments.

FAQs：

1. Who can use Zip?

In order to be eligible to use Zip you must:

- Live in the US

- Be at least 18 years old

- Have a valid and verifiable mobile number

- Use a US debit card to make a purchase

- Have a valid US mailing address. We do not accept mailing (or billing) addresses that are APO, FPO, AE PO, PO Box or other mail services.

2. What are merchant discounts?

Zip is excited to launch new discounts with some of our merchants! 

If a discount is available from a given merchant, you will be notified when starting the checkout process. If your order meets the discount eligibility, it will be automatically applied to your order and you can continue the checkout process as usual. The discount is split evenly across all installments.

For example: If you are eligible for a $25 discount on a $100 order and have spent exactly $100, each installment will be reduced by $6.25. The installments will be as follows:

    Installment 1: $18.75

    Installment 2: $18.75

    Installment 3: $18.75

    Installment 4: $18.75

All installments total $75, reflecting the $25 off discount.

Refunds will follow our standard refund policy.

3. How to pay in-store with the app?

- Select the In-Store tab1

Enter your total purchase amount.

- Review your payment plan1

Confirm your amount and payment method to generate your virtual card.

- Add to your wallet

Keep Zip in your Apple Wallet or Google Pay for easy access.

- Tap to pay!

Pay with your wallet to complete your purchase.

4. When is my first payment due?

Your first payment is due at the time of your purchase and will be 25% of the total purchase amount.

The next three installment payments are due every 2 weeks, over the following 6 weeks from the date of your purchase. *

You can view your orders and upcoming payments, or make early payments in the Orders tab of the Zip app. Just tap Pay next to the installment you want to pay early.

Advantages of Zip:

No surprises

Advance notifications ensure you're always on top of every payment.

Instant decision

No impact on your credit score.

Simple & transparent

Clear terms, so you’ll always know what to expect.

How to Use Zip:

- Download the app and link your payment card to initiate shopping at numerous online and offline merchants.

- Explore our deal finder, peruse our merchant directory, or directly conduct transactions through the Zip app at Visa-accepting locations.

- Specify the amount you wish to spend (inclusive of taxes and shipping costs). Your purchase will be divided into four payments over six weeks, streamlining the shopping process by enabling payments at a later time. Track expenditures, review transaction history, and manage split payments effortlessly within the app.

- Modify or update your account details, including payment methods, whenever necessary.

- Access answers to common inquiries and contact our support team directly through the app.

Note: For a $200 purchase, four payments of $51 each are due every two weeks starting today, featuring a 34.7% annual percentage rate with a total payment sum of $204. A $4 installment fee commences upon initiation - $1.00 of this fee represents a prepaid finance charge to be included in your initial payment today, while the remaining $3.00 is incorporated into future payments.

A minimum purchase of $35 is mandatory. The estimated installment payment and annual percentage rate do not encompass potential tax or shipping expenses. Zip Pay Anywhere financing, facilitated through WebBank, is subject to credit approval and exclusively available for US transactions. Certain restrictions pertaining to merchants, products, goods, and services may apply. Eligibility criteria must be met for instant decisions.