50+ Best Sites & Apps Like Quadpay | Quadpay Alternative 2022

50+ Trending Alternatives To Quadpay | A List of Apps Like Quadpay No Credit Check/Bills and Payment

by Micah James — 2 years ago in Finance 8 min. read

Updated on 09 October, 2023

Digital payment platforms like Quadpay including PayPal’s Pay in 4, Klarna, and Affirm grew dramatically popular in online shops across the world.

Reportedly, Global buy now, pay later (BNPL) transactions using these platforms are predicted to increase by nearly 450 billion USD between 2021 and 2026.

Shopping online, chances are you might be in the search of the notion ‘buy now, pay later’ and that is where you heard of QuadPay or at least looking for apps like QuadPay.

But what is QuadPay? Many modern shoppers recall it as Zip. Two years earlier, the global payment company Zip acquired Quadpay. Hence, the name was updated from Quadpay to Zip.

Zip (formerly QuadPay) is an online platform widely known to provide convenient financing options to today’s day and age shoppers. In a nutshell, it is a buy now, pay later payment module and alternative to no credit check or interest-free payment of goods you look-in to purchase.

With QuadPay (namely ZipPay), you can shop online and instore absolutely interest-free. Additionally, you can pay your bills with Zip. And when you make a purchase or pay using Zip you earn cashback which lately helps you to redeem for the best shopping experience.

Also read: Top 10 Zapier Alternatives & Competitors

What Is Zip QuadPay and How Apps Like QuadPay Work?

Launched in 2017, approximately five years ago, Zip has served more than 9 million customers and has worked with more than 81000 retail partners globally.

QuadPay is a newfangled payment option for eCommerce and online/offline shoppers that lets them split their payment sums into four equal interest-free instalments over six weeks. However, businesses enjoy more benefits with a Zip Account in their hand.

Let’s understand this with an example.

Suppose you liked an item and wish to purchase it instantly. Unfortunately, you are out of cash. But you do have a Zip account which lets you buy your product without negatively affecting your money. You can purchase your item with the buy now, pay later function which is popular as of now. In this case, Zip’s standard account works in this way.

QuadPay gives you the feasibility to pay for your purchase in four equal interest-free instalments over six weeks. You make four payments over a six-week period, with the first payment due at checkout. The unpaid three payments are due every other week.

This is how apps like zip quadpay works for your purchases…!

Interested in getting started with ZipPay, here’s what you need to do:

1) Choose your account: To take advantage of Zip’s payment benefits, you need to choose any one account that suits you best.

2) Sign up in minutes: Provide your information like your first, middle, and last name with a birth date for successful sign-up.

3) Download the app: Start your shopping, tap to pay in store, manage your account details and more from Zip App/QuadPay App.

4) Repay your way: With zero impact on your credit, enjoy the payment beauty from Zip with the freedom to pay weekly, fortnightly or monthly.

Also read: Spotify User? Guide To Cancel Spotify Premium Subscription

Studying The Zip (Formerly QuadPay) Account Module + How Apps Like Zip QuadPay Make Money?

Here’s the brief overview of the Zip Account program offered to everyone.

Basically, Zip’s financing solution is available for standard users as well as businesses.

For users, they’ll find Zip accounts split into two categories:

  • Zip for purchases between $350 – $1,000
  • Zip for purchases over $1,000

Apps like QuadPay - Zip standard account

Image credit: Zip

Features and Highlights:

  • Every transaction is rewarded with interest free always.
  • Freedom to set your due payments to weekly, fortnightly or monthly.
  • Pay nothing to sign up.
  • Get back your monthly account fee when you have nothing owing.
  • Tap to pay everywhere, online or offline.

For enterprises, they’ll find Zip account split into two categories:

  • Zip business trade with flexible financing coverage ranging $1,000 – $3,000
  • Zip business trade plus with flexible financing coverage ranging $3,000 – $150,000

App similar to QuadPay - Zip business solution accountImage credit: Zip

Features and Highlights:

  • Always interest free with waive off benefits.
  • More flexible repayments program up to 5 years.
  • Settle invoices & bills with BPAY®
  • Unsecured business loans up to $500,000.
  • Get a decision within 24 hours.

Let’s jump to know how QuadPay, a FinTech Company makes money.

Indeed, QuadPay is one of the best payment and bill payment applications of 2022 which lets other apps similar to quadpay businesses bring major changes in their payment strategies.

And that is why online users are searching for quadpay alternatives in 2022. You might have heard of apps like quadpay and klarna, apps like zip and klarna, apps like zip and afterpay.

Generally, QuadPay revenue streams include merchant fees, making money through late payment fees, convenience fees, as well as interchange fees applications.

Merchant fee: When a user or a business entity (merchant) creates an account with QuadPay generates revenue.

Convenience fee: Charged from shoppers to cover costs incurred by QuadPay such as processing the payments or covering for employee salaries.

Late payment fee: Whenever a shopper fails to settle his or her payment on time the late payment is put on one’s account.

Interchange fee: Showed interest to pay using your debit or credit card, a so-called interchange fee is applied.

50+ Apps Like QuadPay To Use For Credit & Bills In 2022 or Beyond

As development in technology is increasing likewise modern consumers are approaching to buy now, pay later dictum.

You may have seen various payment undertakings that web tool allows by offering buy now, pay later programs to upsurge shoppers’ experiences.

So, have you ever come up with a thought to use one of them?
Here I’ve mentioned the top 50 trending applications similar to QuadPay. Have a look at this list of QuadPay alternatives for credit and bills.

Apps like QuadPay Infographic

Top 10 Competitors of Apps Like QuadPay In The Global Market

To help you figure out the best alternative application to QuadPay (Buy Now, Pay Later), I’ve noted down and briefly explained them below.
Read the top 10 apps and websites like QuadPay for “Buy-Now Pay-Later”

1. AfterPay (App Similar To Quadpay)

AfterPay is the biggest competitor of FinTech company so-called QuadPay. As both offer you convenience shopping and no-worry payment solutions, you can use AfterPay for buy now pay later shopping needs from their website. AfterPay gives you freedom to shop now and pay over 6 weeks with no interest ever.

How does it work?

  • Get the Afterpay app
  • Shopping online?
  • Shopping in-store?
  • Make the first of 4 payments now

2. Klarna (Quadpay Similar Apps)

Klarna gives you the ability to shop wherever, whenever and pay in 4. The user-friendly interface notifies you about price drop, delivery track, and more. It is an all-in-one shopping app with ease of buying now and paying later flexibility.

How does it work?

  • Download the Klarna app
  • Get the freedom to pay in 4 with zero interest
  • Discover hundreds of retailers with Klarna available at checkout.
  • Join a rewards club and get rewarded for your shopping.

You can download the Klaran App for your device (both iOS and Android) scanning the QR Code at their website.

3. Sezzle (Apps Like Quadpay For Bills)

Buy now, pay later alternative to QuadPay, Sezzle helps online shoppers to buy what they see and want next moment. Pay in 4 over to 6 weeks with 0% interest.

How does it work?

  • Sign Up
  • Shop
  • Sezzle It

4. ViaBill (Apps Like Quadpay And Klarna)

ViaBill is especially built for shoppers and retailers to take an edge on shopping and business growth. How? ViaBills enables everyone to pay for your purchases over time, interest-free.

How does it work?

  • Choose ViaBill at checkout
  • Create your account
  • Pay in 4 instalments

5. PayPal (Other Apps Like Quadpay)

PayPal offers customer financing solutions through the PayPal digital wallet program. While you use PayPal to buy, sell, send, receive and explore all in one place, now you could shop with a PayPal digital wallet with the advantage of buy now pay later with Pay in 4.

How does it work?

  • Choose PayPal at checkout
  • Get a decision in seconds
  • Enjoy the Pay in 4

In order to use the PayPal BNPL App, you need to visit paypal digital wallet page.

Also read: Top 10 Best Software Companies in India

6. Splitit (Efficient Alternative to QuadPay)

Splitit is another most used financing platform that offers buy now pay later service using your own credit card. Show your credit card some pay-later love! It is the best app similar to QuadPay for all your shopping needs.

How does it work?

  • Choose Splitit at checkout
  • Select the number of payments
  • Enter your credit card details
  • And it’s done

7. Venue (Buy now, Pay later app like QuadPay)

Venue Marketplace is another biggest alternative and competitor to QuadPay. It offers flexible, easy payment options for top names in electronics, fashion, home goods and more! Through Venue financing service you could shop now and pay later with flexible payment options.

To know about how to make your shopping convenience with Venue Marketplace: Buy Now, Pay Later service, visit Venue, today.

8. FuturePay (Apps Like Quadpay No Credit Check)

Use Future Pay for a seamless and cashless experience while shopping. FuturePay is a new digital wallet for shopping across Future Group stores. However, it is not completely similar to QuadPay, but it does offer you convenience of buying today and paying later using a future pay wallet.

How does it work?

  • Visit store
  • Go to cash counter
  • Share your OTP

9. Affirm (Apps Like Quadpay)

Affirm is similar to Venue Marketplace as both deal in eCommerce and provide an easy, own pace of payment solutions. With Affirm, you can pay over time at your favourite brands. Affirm makes shopping easy and when you are done paying, it makes it more memorable.

How to buy with Affirm?

  • Shop your favourite stores online or in-store
  • Choose your payment terms
  • Make your payments in instalments

10. Salt (App Similar to Zip QuadPay)

SALT is a part of PayMe India, a leading financial services provider in the global growth market. It is a digital payment platform that provides a one-stop solution for all your instant cash needs. SALT is an acronym for Spend Today, Pay Later.

How does it work?

  • Download The App
  • Complete your KYC
  • Discover your unique credit limit

[In Video] Top 10 Competitors of Apps like QuadPay

Most Asked Questions Related Apps Similar To QuadPay

1. What stores accept Zip?

As Zip is used by more than 9 million users across the globe, many stores accept payment through Zip or QuadPay. eBay, Amazon, Macy’s, Walmart, Target, Newegg, Shein, GameStop, Zara, Best Buy, Apple, Poshmark are name of few.

2. Does Zip affect my credit?

When you register your account on Zip, there’s no hard credit check. Signing up for a QuadPay account won’t impact your credit.

3. Is Sezzle better than Quadpay?

Well, it is a long debate question. Both Zip QuadPay and Sezzle provide similar financing services to shoppers and businesses. Owing to users, Sezzle is used by 7.8 million people, on the other hand, QuadPay is used by 9.9 million users.

4. What apps are like Quadpay?

There are various competitors to QuadPay and I’ve listed the top 50 apps like zip quadpay. However, most apps and websites close to QuadPay in terms of payment solutions are Sezzle, Klarna, and AfterPay.

5. Which is the best buy now, pay later apps?

There are hundreds of thousands of applications that fall in the category of finance featuring buy now, pay later. ViaBills, SALT, ZeroPay, and Multipl are some new alternate apps to QuadPay.


Micah James

Micah is SEO Manager of The Next Tech. When he is in office then love to his role and apart from this he loves to coffee when he gets free. He loves to play soccer and reading comics.

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