Quadpay Policy

What is QuadPay?
QuadPay’s payment platform gives shoppers the choice to pay for their purchases via 4 simple, interest-free installments. QuadPay is a platform built for shoppers, that empowers them to buy now, pay over time and avoid interest repayments.

What does it cost a customer to use QuadPay?
If a customer pays on time, there is never a cost to using QuadPay.

Are there late fees?
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.

How do refunds to the customer work?
As soon as refund is approves by us and processes a refund for a customer that has checked out with QuadPay, the refund is immediately processed by QuadPay.

If the refund is in full, the customer will have any funds paid to-date refunded immediately to their card and all future installments will be cancelled.

If the refund is partial, the refund amount will be applied to the total purchase amount, starting with the last installment.

For example, if a purchase was for $100 (4 x $25 installments) and a partial refund of $25 was issued by the merchant, QuadPay would cancel the 4th installment. If a refund of $50 was applied, QuadPay would cancel the 4th and 3rd installments.

What payment types are accepted?
QuadPay accepts all U.S. credit and debit cards (including American Express and Discover).

However, QuadPay cannot accept credit or debit cards from overseas or pre-paid debit cards.

Who can use QuadPay?
In order to have an account with QuadPay, you must:
Live in the U.S.
Be at least 18 years old
Have a valid and verifiable mobile number
Use a U.S. credit or debit card to make a purchase

What if I was not been approved with QuadPay?

QuadPay assesses multiple information points about customers and their purchases to algorithmically determine customers' eligibility to use their service out from other Merchant connected to Quadpay. QuadPay undertakes this assessment independently of their retail partners including Kangaroo Buddy.

Where can I review my order?
You can login to the customer portal to review your order, update your payment details and make additional payments here: https://customer.quadpay.com/

Can I change the payment date?
You can request to move a payment date by contacting support@quadpay.com. Please note, it can take 24-48 hours for the update to be reflected.
If a customer does miss a payment, as long as they pay within 7 days of the payment date they won’t be charged a late fee.

Is there a limit to how much a I can spend on QuadPay?
QuadPay does not approve every order. QuadPay’s automated system takes into account various factors to determine whether customers are approved and what spend limit we can provide customers with.

QuadPay will charge the customer 25% of the purchase amount at the time of the transaction. If the customer doesn't have this amount available, the order will not go through.

If a customer is a repeat purchaser and has made all prior repayments on time, there is a good chance they will receive a higher limit than somebody who is a new customer.

If a customer has multiple orders that are not fully paid off with QuadPay, it can help to pay off orders in advance. This can sometimes increase the amount the customer can spend.

QuadPay also looks at the total value of orders and can deny transactions if they exceed certain limits.

Why has a customer’s card been charged multiple times?
This is typically because the wrong zip code has been entered. When this occurs, the customer’s bank may hold the funds as pending temporarily. Importantly, in this instance, the customer hasn’t been charged and this will be reversed shortly.

If the issue persists, please have the customer contact their bank in the first instance and if they confirm a charge has been made, please contact support@quadpay.com or you can contact our team to assist at support@kangaroobuddy.com

A customer wants to know when the next payment is due?

Customers can view or make a manual payment in the customer portal: https://customer.quadpay.com/
Customers can also pay the purchase in full early.

How does QuadPay handle when a customer returns an item purchased with QuadPay?

As soon as QuadPay is notified of the return from the merchant, the customer will be refunded.

How can customers update their payment details?
Customers can update their payment information in the https://customer.quadpay.com/

What information does QuadPay need from a customer?
For initial sign up we only need your date of birth, mobile number, and either a debit or credit card. After that we only need you to enter your mobile number to make a purchase through QuadPay. QuadPay is completely secure.