How Buy Now Pay Later No Credit Check Works
Split your next purchase in 4, anywhere you shop
Zip, previously Quadpay, gives you the freedom and flexibility to get what you want now, and pay later.
Shop anywhere with the Zip app
Get our app to use Zip anywhere you shop—whether online or in-store.
How to shop online with the app
Find a retailer
Search for your favorite stores in the app.
Browse your favorites
Add products to your cart, then tap "Pay with Zip."
Confirm purchase amount
Ensure your cart amount matches the payment request.
We'll autofill your payment info—check out in seconds.
How to shop in-store with the app
Select the In-Store tab
Enter your total purchase amount.
Review your payment plan
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.
Shopping with Zip at checkout
Look for the Zip logo online when checking out at your favorite online retailers.
Safer than credit
Don't pay more to pay later. We charge a $1 convenience fee per installment. That's it!
No impact on your credit score.
Simple & transparent
No fine print, so you'll always know what to expect.