Zip Pay

Buy Now. Pay Later.

Split your purchase into 4 payments with ZipPay

How it works

1.  Simply add at least $35.00 worth of merchandise to your shopping bag.
2. Choose Zip Pay as your payment method at checkout. No long forms or credit checks
   required, just instant approval.
3. Checkout using a credit or debit card. The first 25% of your order total is charged at the
   time of purchase.
4. Pay the rest in equal installments that are billed automatically over 6 weeks.1. 

What is Zip Pay?
QuadPay is a payment platform that gives shoppers the choice to pay for their purchases via 4
simple installments using a credit or debit card. Zip Pay automatically splits the purchase
amount into 4 payments, every two weeks. Zip Pay empowers you to buy now, pay over time.

What information does Zip Pay ask for?
QuadPay requires your name, address, date of birth, a US mobile number, and either a debit or
credit card for sign up. Instead of having a traditional username and password,  Zip Pay
requires a mobile phone number and text message verification.

Who can use Zip Pay?
In order to have an account with Zip Pay, 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
Your order total at checkout must be at least $35.00

How do I sign up?
You can sign up during the checkout process. For the initial sign up Zip Pay 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!

How much does Zip Pay cost?
Windsor adds a $1 per-installment fee ($4 total) to use Zip Pay, regardless of the size of your
order. As long as your installments are paid on-time, there are no other fees to shop with
QuadPay.

How can I check my Zip Pay Orders or Account?
The easiest way to manage your Zip Pay orders is via our app which you can download here.
Zip Pay also has a Customer Portal where you can log in by entering your mobile number or
email address and have instant access to your current and past orders at
https://customer.us.zip.co/en-US/login.

Will I be notified before I am charged for an installment?
Zip Pay notifies customers with payment reminders via SMS and email before each payment
is due.

When is my first payment due?
Your first installment of 25% of the purchase price is due at the time of checkout. The remaining
three installments will be billed automatically, every two weeks.

Can I pay off my installments early?
Of course. Just log into the App or Customer Portal and choose the order you wish to pay early.
https://customer.us.zip.co/en-US/login.

What if I have trouble paying?
It’s important to notify Zip Pay to avoid a late fee if your payment method is not up-to-date.
Payments are automatic, however, Zip Pay charges late fees in certain instances, such as if
your payment cannot be processed because your debit card account has insufficient funds or
your credit card is no longer valid. For more information on late fees, please see Zip Pay’s
help page.
If your payment is denied in error, you can contact Zip Pay Support by submitting a request at
https://help.us.zip.co/hc/en-us.

What if I lose or want to change my card of payment for an existing order?
QuadPay associates your card with your order when you first complete the checkout process. 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 card.
Log into the Customer Portal at https://customer.us.zip.co/en-US/login
Go to the Orders Page and click View Order for the order you would like to change.
Click Edit next to the payment card, select the card you’d like to use, and click “Use this Card”

How do returns, refunds, and partial refunds work?
As soon as Zip Pay is notified of the return, our customers are refunded the amount they’ve
paid to-date and Zip Pay cancels all future payments. In the event of a partial refund,
scheduled installments are reduced/cancelled first, and then paid installments are refunded.