• 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.

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.

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.

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*

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. 

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.

Example:

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.

Example:

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

 

KLARNA