QuadPay

Being able to pay in small payments is nice. But I have a feeling it was better when it was Quadpay. My spending limit has not increased even a dollar, and the more I look into things, many people are having similar issues. I was trying to build spending power, because I need a new computer, but this is a waste of my time. $50 spending power is useless.

This has been a great way to purchase some items I needed in short order, but didn't have the cash or available credit line to purchase. It would be nice if they reviewed your line of credit and offered increases more regularly, though. I've been with Zip since it was still Quadpay (maybe about a year or more) and I have still to get an increase. I thought purchasing often and paying of quickly would help, but no dice.

Like many others, I'm encountering errors with the app. I have never been late, paid early, have available balance, but every time I try to process, the app glitches (paying online gets stuck in a loop, creating a pay in store card gives a "something went wrong, try again later") customer service through the app was slow and, quite frankly, useless.

What I like about this is that the system is easy to use and there is only a small additional fee that's not randomly thrown at you in the end. You are warned about it and how much the fee is. I enjoy the payment system and how it adds the schedule to my calendar so I don't forget payments. There's more financial freedom in what you choose to pay with and that's nice. Overall I really enjoy Zip and I've had no issues thus far or anything to suggest for changes right now.

It actually worked great with Sally's, but with Amazon it's a whole compicated ordeal. I might try it again at another store but after reading such negative reviews about customer service it makes me hesitant. Edit; It's been a whole year since my last review and I am having the same issues! I was able to complete an amazing order but I feel like it took FOREVER and I wasn't even sure the order went through until I recovered a confirmation text about an hour later.

So far so good. It's an easy to use, pretty intuitive app that is a great way to shop if you have a weekly budget like I do. It's a great way to shop even if you don't use a budget. You can basically buy what was previously unattainable by splitting it into easily digestible payments, based on your total funds available. So far, I don't see any extra strings attached. I would recommend to a friend.

I've used zip a lot. It's nice to have things spread out over payments And that you can use it almost anywhere. The only thing I would suggest, is the ability to pay the difference between what your allowed to spend and your total bill. It stinks that for $2 you can be denied that ability to purchase over time.

Zip is another way of borrowing money which is something I don't like to do. However at times when life throws a curve ball. And you need a little help out of a tight spot, zip is one way to go very low fees. And rather quite simple to use. And just haven't got extra spending power is nice I 100% recommend it if you are fine financially responsible. However if you don't take your finances serious and pay your debt back as outlined in the agreement the late fees will really hurt to repay

The app has become almost unusable. I have a S21 & the app is updated. I can't create new temp cards (even though nearly my full balance available). Instead, it reads: "Something Went Wrong" & indicates I should try back later. I have tried on 4 different days, at 3 different locations. It has the same issues everywhere. Their "Live Chat" takes hours to respond, and only to asked for pics of the issue. Tried to send, but the app also reads "denied", when all permissions are approved.

The app is very easy to use with an intuitive interface. I love it. BUT.... 1. I can't locate a place where my virtual card is except when attempting to pruchase an item from the zip app. Most of the time I don't use the app for purchases. I suggest a spot for virtual cars past and current. 2. For all you Gen z people, the app is slower than anything I've ever seen. It's like Windows XP slow. What a shame. 3. For goodness sakes can we get some google app integration?

My wife and I have been using klarna for a while and have decided to try zip as well. We have used zip plenty. My only complaint, and it's a big one hence the 2 stars, is that the app is incredibly slow and glitchy, no matter how good the internet connection is. It's like it's the 90s and I'm using dial up. It's extremely frustrating. Fix it please.

It's good I had a bad experience with loging in to my account but they fixed it. I say 4 stars because this is the only app I found that lets you pay easily for anything not just specific stores. To give it five stars in the future I would like to see a physical card that you can get or a permanent online card. I don't like to use the temporary card because I have to get a new card every time I make a purchase. Also I would like to be able to request to increase in spending limit.

Upgrades are terrible!!! Worked fine until I downloaded the upgrade. Then I could no longer use it. Keeps saying SOMETHING WENT WRONG-Try back later, on the screen every time I order now. I now have one open order and have paid off several orders prior. I can no longer use the Zip when I order, this makes no sense at all!!!

I've had no issues with Zip until just recently. For 4 days now I have been unable to use any of my available funds and I receive an error message that I need to get caught up on my payments. They are all paid out AT LEAST 2 weeks ahead and I still can't use it. I contacted customer support 3 times now and have received absolutely no help at all even AFTER PROVIDING PROOF THEY WERE PAID. I will probably be dropping zip after I complete my payments and I won't be recommending the app.

I've used this installment app for some time and I've realized that, with installment payments , your order is actually delayed until the 2nd payment is due, vs. Paying directly with a credit/debit card. Great app though, comes in handy. Just a little pointer for those new to the app.

Virtual card is the worse. What's the point of it when everytime you want to use it, your bank charges the full amount. Klarma is not like that. I'd something went wrong why would they just deny your request right then and there. And the virtual reps never know the answer. When you send an attachment they claim that they can't see what you see. Now I'm getting hit with a bank overdraft fee. And stuck with the product. Running go to Klarma

It's a really great app and does what it says it does. Many times it's turned my $300 purchase to only $75 per 2 weeks for 4 payments and ultimately saved me. The only thing that I don't like here is that despite doing many big purchases and making reliable and even early payments for things, it takes ages to increase the spending power. And it's not something you can try to ask for if you get a hold of their support team.

"Something went wrong". I'm constantly getting this error. I have funds in the app and the bank, but its been occuring over a week now. Even eent to chat and they told me the issue is resolved. The issue isnt resolved. Funny how there's never an issue when I make a payment, which shows my bank account is connected correctly. This app is an unreliable joke.

This is a trash and service, since after the recent update to their app/service. It used to be so good, never had any issues everything worked, I was able to buy more than what was my 'limit' but since after their update they broke everything, I can't purchase anything via desktop or the mobile app. And they locked me into the 200 limit. Horrible experience and their customer service sucks extreme nutmeg. Closed my account after my last order, done and done.

So I have a $200 credit limit. I use Zip Pay to make a $95 purchase on Amazon and then I got a notice I need to update my payment method. This happened twice in which I just got tired of it and just paid for my total purchase on my credit card and deleted this app. Not a good experience at all. It used to work correctly before. Not sure why it's not now. I may return if this gets fixed.

I haven't used this app for a long while because the last time I used it for anything other than bills I had issues. I spent $25+ on a $100+ Meijer delivery order that got cancelled. Meijer authorizes your payment method with a $5 test transaction then updates it to the full price at checkout. Not sure if that was the issue but both times now I got the Zip text when I placed the order that it was successful, then a text at checkout time that the virtual card used is expired!!! Poor shopper. Smh

Love the app. Very easy. Until this happened. I have been using this app since 2020 neaver had an issue til this pasted Monday. I was trying to place an order and then I get an error something went wrong try again later, ok so I did same error waited again tried and same error. I spoke to customer service via chat waited a long time. Advise what happened she ask for a screen shot sent it to her. She came back and gave me a list to try to fix it, delete app reinstall did that same issue.

I've been with Zip for over a year and still no raise of limit. If your installment isn't there they charge you $7.00. But my funds were there. So I paid the 2nd installment and the 3rd. and the 4th. So I want get hit with a late fee. Now they will reverse it for some reason I don't know because their saying that they waive it. But when you waive something that means it's to the companies discretion on the matter. I don't like the late fee cycle. Klarna here I come

Frustrating app. I can't login at all to the shopping app through zip. I have been able to in the past but cannot do anything on the app. I contacted customer service but they were zero help. I'm so irritated with this app, it just makes me want to uninstall it completely.

I've been using this app for quite a long time now and have had no issues up until recently. I tried making a purchase online and I got an error message, so I reached out on live chat. Agent told me my account has a hold on it and they cannot lift it. No reason why there is a hold was forthcoming despite asking multiple times. I've made every payment on time and very often paid off early. There are several other apps of this type to choose from would recommend trying others.

It's a great app don't get me wrong it's very helpful and they say you can use it anywhere online but the app is not optimized for every website I tried to use it on RockAuto and it took me an hour and a half to place my order but that was only small inconvenience My overall experience has been great just try to stick to the big name websites and you should have no problem.

I love Zip pay. The only reason for 4 stars. If you have to deal with a refund, It's a total pain. It took me over twenty email text messages to Zip customer service to try and get a refund.. I can say Zip customer service is very lacking.. I would still do business with them. Just you have to be very patient on trying to get a refund through them.. Like a said. I will still do business with them. They have help me with a lot while shopping on Mercari and eBay..

This is absolutely amazing and has helped me with my hobby of collecting without going broke. I get paid biweekly so this apps system definitely works for me. The zip quad pay cuts down big purchases into payable ones throughout the month. It gives up coming payment alerts and so easy to use. So convenient I love it! I can now budget better because I satisfy my need to buy manga with the payment plan. So happy all should try. Sorry if I jumble my words just app is so beneficial to me

Has been great to use until about a week ago. As others have stated in their reviews I can't make purchases. I get the same .essayed, unable to process please try again later. Then when I finally get to chat with someone, which takes days. They want a screen shot and I can't send that either.

The service it provides is great, but it sends ad notifications you can't turn off in the app or Android itself. All the notifications, including payment reminders, are lumped into "Miscellaneous". I'll be uninstalling as soon as my current order is paid off.