Zip Quadpay is a popular buy now, pay later service that allows shoppers to split purchases into 4 interest-free payments over 6 weeks. With Zip Quadpay, you can shop online and in stores at thousands of retailers without paying the full amount upfront. But can you use Zip Quadpay to split payments on in-store purchases? Let’s take a closer look at how Zip Quadpay works for in-store shopping.
The Short Answer
Yes, you can use Zip Quadpay in store at many retailers. Zip Quadpay offers a virtual card number you can use to split payments on qualifying in-store purchases. Just make sure the retailer you’re shopping at accepts Zip Quadpay in store before trying to use it.
How Zip Quadpay Works In Store
Here is an overview of how to use Zip Quadpay in physical retail locations:
- Check that the store accepts Zip Quadpay in-store payments. You can use the Zip store locator to find participating retailers.
- Open the Zip app and find the “In-Store” tab. Here you will find your single-use virtual card number.
- When checking out, provide the cashier your virtual card number found in the app to split your purchase into 4 payments over 6 weeks. This number acts like a credit card.
- The cashier will process your virtual card just like a regular credit card. You don’t need to provide your real credit card number.
- Your purchase will be approved or declined based on your available Zip Quadpay limit. If approved, your order will be split into 4 interest-free payments.
It’s a seamless process that allows you to spread out payments on qualifying in-store purchases without needing a physical Zip card. As long as the retailer accepts Zip in store, you can use your virtual card number to enjoy the flexibility of pay later shopping.
In-Store Zip Quadpay Purchases
When shopping in store with Zip Quadpay, you’ll complete the purchase as you normally would. Here are some things to keep in mind when using Zip in physical retail locations:
- There is no need to notify the cashier or mention you are using Zip Quadpay. Simply provide your virtual card number when it’s time to pay.
- Your total purchase amount must be between $50-$1000 to qualify for Zip’s pay later option.
- Make sure you have enough available credit in your Zip account to cover the purchase.
- You’ll pay for the first of your 4 installments at the time of checkout. Zip will automatically collect the remaining 3 payments every 2 weeks after that.
- Returns and exchanges work the same as any other purchase. Refunds are applied back to your virtual card.
As long as you meet Zip’s purchase requirements, the in-store checkout process is quick and easy. Your receipt will show the total transaction amount, not that it was split into multiple payments.
Where Can You Use Zip Quadpay In Stores?
Zip Quadpay is accepted in store at thousands of major retailers across categories like apparel, beauty, electronics, home goods, and more. Here are some of the most popular stores that accept Zip Quadpay in-person payments:
| Apparel | Beauty | Electronics | Home |
|---|---|---|---|
| Nordstrom | Sephora | Best Buy | Crate and Barrel |
| ASOS | Ulta | Verizon | Pottery Barn |
| Urban Outfitters | Sally Beauty | AT&T | West Elm |
Other major stores accepting Zip in-store include Target, Walmart, Macy’s, CVS, Pandora, Nike, Adidas, and Foot Locker. The full list of retailers is constantly growing. You can use the store locator tool on Zip’s website or mobile app to find all stores accepting Zip near you.
Using Zip’s App In Store
Zip Quadpay’s mobile app makes the in-store payment process quick and easy. Here are some tips for using the app to pay at checkout:
- Find your virtual card number – In the app, go to the In-Store tab. Tap “view card number” to reveal your single-use number and expiration date to provide to the cashier.
- Check your balance – View your available Zip balance before going to checkout to ensure you have enough credit for your planned purchase.
- Add participating retailers – Use the app’s location-based deals map to find stores near you that accept Zip and add them to your favorites.
- Check into stores – Check into stores that accept Zip with the app’s location services to unlock exclusive discounts and perks.
By leveraging the Zip app’s features, you can easily find stores that take Zip Quadpay, access your virtual card details, check your balance, and unlock deals when paying in-store.
Why Use Zip Quadpay In Store?
There are many benefits to using Zip Quadpay for your in-person shopping, including:
- Split payments – Break purchases into 4 interest-free installments paid every 2 weeks. This makes managing large purchases easier.
- No physical card – Your virtual card number eliminates the need to carry another payment card.
- Budgeting – The installment structure helps you better budget for purchases without needing the full amount upfront.
- Instant spending power – Get immediate spending ability as soon as you’re approved for Zip – no waiting for a physical card.
- Free to use – Zip Quadpay is free for customers. There are no signup fees, monthly fees, or late fees.
Using Zip Quadpay in-store provides flexibility, convenience, and spending power. And shoppers can reap all the benefits without changing their shopping habits.
Tips for Using Zip Quadpay In Store
Follow these tips to get the most out of your Zip Quadpay in-store shopping experience:
- Check your Zip balance in the app before going to the checkout counter to know your spending limit.
- Save your virtual card in a secure digital wallet on your phone for easy access when paying.
- Know your repayment schedule – Zip splits payments every 2 weeks over 6 weeks total.
- Add your favorite stores to the app’s Deal Map to easily check for nearby Zip acceptance.
- Contact Zip Customer Service with any questions on your account, balance, or using your card in-store.
Keeping your balance and repayment information handy ensures a smooth, stress-free checkout when using Zip Quadpay at your favorite stores.
Pros and Cons of Zip Quadpay for In-Store Shopping
Like any payment method, there are both advantages and potential disadvantages to using Zip Quadpay in physical retail stores:
Pros:
- Break purchases into 4 manageable payments over 6 weeks
- No interest charges or fees
- Instant spending flexibility without needing cash upfront
- Seamless checkout process
- Accepted at thousands of major retailers
- Easy to manage payments and balance via the app
Potential Cons:
- Can only use for purchases between $50-$1000
- Need to be an approved Zip customer
- Possibility of getting charged late fees if payments are missed
- Not accepted at all stores, so won’t work universally
Overall, Zip Quadpay removes obstacles to purchasing items upfront with flexible payment options. Just be aware of the purchase limits, repayment schedule, and potential late fees if using it for in-store shopping.
Zip Quadpay vs Other Buy Now, Pay Later Services for In-Store Shopping
Zip Quadpay is one of several major buy now, pay later (BNPL) providers that offer in-store payment options. How does it compare to alternatives like Afterpay, Sezzle, Affirm, and Klarna when shopping in-person?
| Provider | Installments | Fees | In-Store Process |
|---|---|---|---|
| Zip Quadpay | 4 payments every 2 weeks | No fees with on-time payments | Use virtual card number in app |
| Afterpay | 4 payments every 2 weeks | No fees with on-time payments | Pay with card on file or one-time QR code |
| Sezzle | 4 interest-free payments | No fees when paying on time | One-time virtual card number |
| Affirm | 3, 6, or 12 months | No fees with on-time payments | One-time virtual card number |
| Klarna | 4 interest-free payments | No fees with on-time payments | Use app to access card number |
While the installment plans differ slightly, all major BNPL providers offer a straightforward way to split in-store purchases across interest-free payments. Most require accessing a virtual or one-time card number at checkout. Overall, Zip Quadpay stands out for its large retail network, flexible bi-weekly payments, and easy-to-use mobile app.
Frequently Asked Questions About Using Zip Quadpay In Store
What stores accept Zip Quadpay in store?
Thousands of major retailers accept Zip Quadpay in stores, including Target, Nordstrom, Sephora, Urban Outfitters, CVS, Best Buy, and more. You can use the store locator on Zip’s website or app to find participating locations.
Can you use Zip Quadpay at self checkout?
Yes, you can use Zip Quadpay at self-checkout registers the same way as a normal checkout. Simply enter your virtual card number into the payment terminal from the Zip app to split your total.
Does Zip Quadpay work with Apple Pay or Google Pay?
Unfortunately Zip Quadpay does not currently integrate with mobile wallet services like Apple Pay and Google Pay for in-store purchases. You need to enter the virtual card number manually.
Can you use Zip Quadpay without your phone?
No – to use Zip Quadpay in stores, you need access to the app to get your single-use virtual card number. Make sure your phone is charged before shopping.
Is there a limit to how many times you can use Zip Quadpay in store?
There is no limit to how many times you can use Zip Quadpay in-store, as long as you have available credit in your account. Your spending limit replenishes as you make payments.
The Bottom Line
Zip Quadpay provides a simple, instant way to break in-store purchases into 4 interest-free payments over 6 weeks. All you need to do is use your virtual card number from the app during checkout. With acceptance at thousands of retailers, seamless integration, and no physical card required, Zip Quadpay offers flexibility for shoppers who don’t want to pay 100% upfront.
As long as you carefully manage repayment of your installments, Zip Quadpay can be a budget-friendly option to fund large purchases in-person. Just look for the Zip logo at the register or use their store locator to find places that accept it near you.
