How does installments work? USA

Installments by QuadPay allows retailers to offer installment plans for online shoppers, allowing a purchase to be paid for in four installments, over the course of 6 weeks. 
  • Simply shop for your favorite items and choose QuadPay as your payment method at checkout. First-time shoppers provide payment details as usual, returning shoppers simply log in to make their purchase. It’s that easy!
  • After you check out, the goods will be shipped to you ASAP.
  • At any time, you can log in to your QuadPay account to see your payment schedule and make a payment before the due date. Otherwise QuadPay will automatically take the money from your debit or credit card every 2 weeks.

I want to shop - how do I sign up?

You don't need to register prior to making your first QuadPay purchase. When you are making a purchase simply choose QuadPay as your payment method at checkout. If it’s your first time using QuadPay, you will provide payment details as usual to complete your purchase. 

Once your first order is approved, your QuadPay account is created. All you need to do is visit www.quadpay.com to set up a password, and you will be able to make more purchases using QuadPay by simply entering your log in details upon checkout.

When will my first payment be taken?

You will more than likely pay the first installment of the purchase price at the time you place the order.  If you have been shopping with QuadPay for some time and have a really good repayment history.  You may find that we defer taking the first payment until 2 weeks after you make your purchase. In all cases you will be notified on screen if the first payment is due there and then or if it will be deferred by 2 weeks.

First payment higher than the other three?

For some purchases, if your total order amount exceeds your QuadPay approved-spending limit the first payment may be higher than subsequent payments. QuadPay will show you how the installments are split before you pay.

Is there a cost for using QuadPay?

QuadPay is a free service offered by retailers to shoppers - there are no upfront fees charged or any interest incurred.
The only fees that may be incurred by shoppers are late fees if your scheduled payments are unsuccessfully processed. After being notified, you must login to your QuadPay account to make your payment via a different method. 

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.

*Please note our minimum spend is $35*

Is QuadPay safe and secure?

We understand how important security is so we ensure that your personal information is protected. QuadPay is a PCI DSS Level 1 certified compliant Service Provider organization.
PCI DSS is a comprehensive set of requirements created by the Payment Card Industry Security Standards Council to enhance cardholder data security and to ensure the safe handling and storage of sensitive credit card information and data. This is the highest level of security in the payment industry. 

When will my order ship if I pay with QuadPay?

Your order ships ASAP in 1 – 2 business days.

Can I contact someone at QuadPay?

QuadPay is available online 7 days a week in the USA
Live chat support available from 9 am – 9 pm EST.
Phone support available from 10 am – 5 pm EST.
QuadPay customer service email is: support@quadpay.com

If I make a return and still have remaining QuadPay installments will I receive a refund?

Returns, Refunds, and Exchanges are handled by the Merchant where you originally purchased your items. Contact the merchant where you placed your order. As soon as the merchant processes and notifies us of the return, our customers are automatically refunded that amount and QuadPay cancels any applicable future payments. If you have a question about the refund amount, reach out to the merchant for details!

Total Refunds

In the case of a total refund, as soon as we are notified of the return, you are refunded the amount you've paid to-date and QuadPay cancels all future payments.

Remember, if you have only made one installment payment, we can only refund what you have paid, not the entire amount of the original purchase.


Jane makes a $200 purchase and has already paid her first $50 installment at the time of purchase. The merchant ships her item, but it is the wrong size. She returns the item to the merchant and is expecting a full refund.

After the merchant approves the return of the item, she receives a refund of $50. She does not receive $200 because she has only made one $50 installment payment. The remainder of her installment payments have been canceled.


Partial Refunds

If the refund is partial (for example, you’ve only returned part of an order) we will start by reducing your last installment by that amount, then if it is more than that, we will deduct it from your last and second last installment - and so on.


You make a $100 purchase. Your four payments are $25 each. With your first payment due at the time you place your order.

  1. $25 - Paid at time of purchase.
  2. $25
  3. $25
  4. $25

The merchant refunds $50 on your purchase. The value is applied to the last of your installments, and then to the next-to-last installment, and so on, until the entire refund amount has been applied.

  1. $25 - Paid at time of purchase.
  2. $25
  3. $25 - Covered with the refund.
  4. $25 - Covered with the refund.

Your second installment remains, and is still due on the due date.

If your refund is larger than the total of your unpaid future installments, we will also refund your original payment method directly. 

You can always see how refunds were applied to your account, what payments are still due, and make your payments early in our Customer Portal



How Pay in 4 works.

Make 1 interest-free payment, every 2 weeks. Get the Klarna app to use Pay in 4 online and in-store .

  • Check out (CHOOSE PAY IN 4 & PAY 25% AT CHECKOUT)
How does Pay in 4 work?

When you pay in 4, we split your purchase into 4 equal payments. We collect the first payment when you check out. The remaining 3 payments are collected every 2 weeks. You spread the cost over 6 weeks, with no interest or fees if you pay on time.

What happens if I miss a payment?

We’ll email you if your payment is unsuccessful. We’ll also try one more time to collect it. If we can’t collect it a second time, then it will be added to your payment along with a late fee of up to $7.00. Late fees will never exceed 25% of your order value.

A one-time card is a single-use, virtual card. Each card has a unique number that you enter at checkout, like a regular credit card. One-time cards are more secure, because they protect your personal details from fraud, identity theft, or scams.