Cookies on BBB.org

We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Cookie Preferences

Many websites use cookies or similar tools to store information on your browser or device. We use cookies on BBB websites to remember your preferences, improve website performance and enhance user experience, and to recommend content we believe will be most relevant to you. Most cookies collect anonymous information such as how users arrive at and use the website. Some cookies are necessary to allow the website to function properly, but you may choose to not allow other types of cookies below.

Necessary Cookies

What are necessary cookies?
These cookies are necessary for the site to function and cannot be switched off in our systems. They are usually only set in response to actions made by you that amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not work. These cookies do not store any personally identifiable information.

Necessary cookies must always be enabled.

Functional Cookies

What are functional cookies?
These cookies enable the site to provide enhanced functionality and personalization. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies, some or all of these services may not function properly.

Performance Cookies

What are performance cookies?
These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.

Marketing Cookies

What are marketing cookies?
These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant content on other sites. They do not store personal information directly, but are based on uniquely identifying your browser or device. If you do not allow these cookies, you will experience less targeted advertising.

Additional Information

Not BBB accredited

Additional Information for Zip

View full profile
Location of This Business
27 W 24th St, New York, NY 10010-3290
BBB File Opened:
12/11/2018
Years in Business:
7
Business Started:
8/7/2017
Business Incorporated:
8/7/2017
Type of Entity:
Corporation
Alternate Business Name
  • Zip Co US Inc.
Business Management
  • Mr. Adam Erza, Co-Founder and Co-CEO
  • Mr. Brad Lindenberg, Co-Founder and Co-CEO
Contact Information

Principal

  • Mr. Adam Erza, Co-Founder and Co-CEO
  • Mr. Brad Lindenberg, Co-Founder and Co-CEO
Additional Business Information
Government Actions
Government Action: BBB reports on known government actions involving business’ marketplace conduct:
QuadPay Agrees to Cease Illegal Loans, Pay Refunds in Settlement with the California Department of Business Oversight

The following describes a government action that has been resolved by either a settlement or a decision by a court or administrative agency. If the matter is being appealed, it will be noted below.

On 4/22/2020, the California Department of Business Oversight (DBO) announced a settlement with point-of-sale lender QuadPay in which the company agreed to stop making illegal loans, refund more than $685,000 to California consumers and pay almost $69,000 in penalties. 

The refunds represent all the fees QuadPay has collected from more than 45,000 Californians in so-called “buy now, pay later” transactions that the DBO concluded were illegal loans.  Consumers who believe they may be entitled to a refund should call QuadPay at 1-888-748-0185.

After an inquiry launched last year, the DBO concluded QuadPay had engaged in the business of a finance lender without obtaining a required license. Under the settlement, QuadPay will only make future loans or extensions of credit to California residents under a California Financing Law (CFL) license.

Serving Area

Hours of Operation:

Customer Service

9am-7pm EST.

 

  • AK
  • AL
  • AR
  • AZ
  • CA
  • CO
  • CT
  • DC
  • DE
  • FL
  • GA
  • HI
  • IA
  • ID
  • IL
  • IN
  • KS
  • KY
  • LA
  • MA
  • MD
  • ME
  • MI
  • MN
  • MO
  • MS
  • MT
  • NC
  • ND
  • NE
  • NH
  • NJ
  • NM
  • NV
  • NY
  • OH
  • OK
  • OR
  • PA
  • RI
  • SC
  • SD
  • TN
  • TX
  • UT
  • VA
  • VI
  • VT
  • WA
  • WI
  • WV
  • WY
Refund and Exchange Policy
  • We follow the merchants refund/exchange policy. 

    Please visit our help center for questions about refunds or exchanges. The refund or exchange must be initiated with the merchant prior to it posting back to your QuadPay balance. 

    https://help.quadpay.com/hc/en-us/articles/360032248731-Where-is-my-refund-

     

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.