What is Quadpay in Canada? Review and Safety



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What is Quadpay in Canada?

Quadpay payment solution is designed for shoppers, especially those who want effortless purchases. With Quadpay, you can shop at your favorite retail stores and split your purchases into four payments with no interest charges.

As applicable in other buy now, pay later (BNPL) budgeting platforms, Quadpay enables you to shop for items online and in-store at participating merchant stores and pay in bi-weekly installments over six weeks.

So, what’s the catch with Quadpay, and what unique services does it offer its customers?

What is Quadpay?

Quadpay is a fintech company providing specialized services by offering shoppers more freedom and flexibility to buy the things they love and pay at a convenient arrangement. With its buy now, pay later platform, Quadpay offers an effortless payment solution to merchants and consumers.

The New York-based company partners with several merchants to integrate Quadpay into their shopping carts to ensure an effortless payment process. Quadpay enables consumers to enjoy a favorable shopping experience.

How Does Quadpay Work?

Quadpay’s buy now, pay later (BNPL) service works like other installment and interest-free payment solutions in Canada, such as Klarna, Afterpay, PayBright, etc.

To make purchases and payments easy for customers, Quadpay splits your purchases into four equal installments, payable every two weeks, over six weeks. The free-to-use service comes at zero interest charges and no hidden fees.

When you shop at partner retail stores and choose Quadpay as your preferred payment, you’ll get an instant approval for your purchases. Quadpay does not conduct any hard checks on your credit score, such that your personal information and a few pieces of information, including debit or credit card details, are all that are required.

If approved, Quadpay will split your payment into four equal installments, with the first 25% deducted from your debit or credit card at checkout. The remaining 75% will be debited bi-weekly over the next six weeks.

Who Can Use Quadpay?

Quadpay’s service is available to all its customers that are residents in the USA. Also, you need to sign up with the platform and must:

  • Be at least 18 years old.
  • Have a valid US mobile phone number.
  • Have a US debit or credit card.

How to Pay With Quadpay

You can enjoy Quadpay’s flexible payment plan for all your purchases regardless of where and when you shop- online or in-store. To pay with Quadpay, you need to sign up with the company. Users have two options – sign up during checkout or sign up on the Quadpay App.

The following steps outline how you can pay for your next purchases using the Quadpay interest-free buy now pay later platform:

Step 1: Shop for items at partner retail stores. Install the Quadpay app to buy online and in-store, or simply shop via the store website.

Step 2: Proceed to checkout and select the Quadpay option. You can use the Quadpay app at every retail store that accepts Visa.

Step 3: Link your existing debit or credit card with your Quadpay account.

Step 4: Get instant approval for your purchases.

Step 5: Quadpay will deduct 25% of the total purchase value from the linked credit or debit card. The company will also split the remaining balance into equal installments and deduct the same every two weeks for the next six weeks. Quadpay will send you a reminder by text or email before the payment schedule date.

Quadpay Mobile App

Quadpay has a mobile app equipped with complete functionality for shopping (online and in-store), account management, payment management, and tracking deliveries.

You can use the Quadpay app to place your order online and pay with the Quadpay virtual card. Similarly, you can use the mobile app for in-store purchases with a Quadpay virtual card using Apple Pay, Google Pay, or simply giving the virtual card information to the cashier.

The Quadpay mobile app is available for download on the Google Play Store for Android devices and the App Store for iOS devices.

Quadpay Safety Regulations

Payment service providers like Quadpay are prone to cyber-attacks, especially from hackers. Therefore, it’s not uncommon to see high-security standard compliance on such a platform. As a level 1 PCI DSS-certified compliant service provider, Quadpay secures its users’ data transmission and payment information.

Quadpay Customer Service

For inquiries, feedback, and help, you can contact Quadpay customer service through:

Live Chat: 7am – 11pm EST

Email: website@quadpay.com


Quadpay Inc.,

228, Park Ave S,

PMB 59872,

New York.

Editor’s Review

The Quadpay shopping installment service enables customers to shop confidently at partner merchant stores and pay in bi-weekly installments. With this arrangement, you could conveniently buy the things you need at stores that would otherwise be expensive and unaffordable as a one-time purchase.

However, unlike other interest-free installment service companies, Quadpay does not support its usage outside the United States. As a result, Canadian shoppers cannot use the Quadpay payment service for their purchases. You should consider alternatives to Quadpay for your next shopping.

Alternatives to Quadpay in Canada

Canadian shoppers have multiple options of pay later platforms. Although they all have some service similarities (such as zero interest charges and age eligibility), there are notable differences in their operations, sign-up process, credit check assessment, fees, and ease of usage. Here are some of the fintech companies offering to buy now pay later services to Canadian shoppers :

PayBright Canada

PayBright Canada offers interest-free payment plans for your purchases – Pay in 4 Plan, and Pay Monthly Plan. PayBright Canada was established in 2009 and acquired by American-based fintech, Affirm, to provide its customers across the Canadian ten provinces with access to over 7000 partner merchants.

Afterpay Canada

Afterpay Canada was established in August 2020 and has over 64,000 partner online and in-store merchants. The platform lets you pay for your purchases in four bi-weekly installments.

Klarna Canada

Klarna Canada was launched in 2021 in Toronto, Ontario. The company offers the Pay in 4 interest-free payment solution to Canadian shoppers in Canada.

Sezzle Canada

Sezzle Canada is a Toronto-based payment solution fintech company launched in 2019 to allow Canadian shoppers to pay for their purchases in four interest-free installments over six weeks. With several participating online and in-store retail partners, eligible customers of Sezzle Canada can enjoy a mobile app-enabled and stress-free shopping experience.

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Odeyemi O.


Avid researcher, freelance writer, and personal finance enthusiast passionate about financial education and literacy.

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Kareena Maya

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Kareena Maya is a freelance writer focused on the personal finance and travel spaces. He frequently writes about credit cards, banking, student loans, insurance, travel rewards and more. His work has been featured in publications such as Forbes Advisor, Bankrate, Credit Karma, Finance Buzz, The Ascent and Student Loan Planner.

Kareena Maya is a freelance writer focused on the personal finance and travel spaces. He frequently writes about credit cards, banking, student loans, insurance, travel rewards and more. His work has been featured in publications such as Forbes Advisor, Bankrate, Credit Karma, Finance Buzz, The Ascent and Student Loan Planner.