Apps Like Quadpay (now Zip)
Alternative Sites & Software!

tina nichols
Last Updated: April 25, 2022
Date Published: April 2, 2022
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BNPL (Buy-now, pay-later) is a financing arrangement that has been around for a long time.

This industry model has a market share of 2.1 percent worldwide, which is growing every year.

The price of the products or services that are sold is split into four equal payments when you choose this method of payment.

Before the shop delivers your purchase, you need to pay a deposit on the merchandise.

The creditor will deduct the remaining amount of something like the product’s retail price from the buyer’s credit card, debit card, or whatever mode of payment is available.

Quadpay (currently owned by the Australian “Zip” brand) is among the first recognized BNPL options in the United States, simplifying the process of purchasing goods on consignment or credit and paying for them later.

You may shop at your leisure through your preferred online stores or through the physical shops, thanks to the BNPL platform.

Fortunately, there are several great prospects other than Quadpay available today, we listed only the top 13 for your convenience.

So, for those of you who prefer fast and adjustable payment choices for your store transactions, let’s look at some of the greatest alternative applications and sites like Quadpay.


Table of Contents

  1. Venue
  2. Afterpay
  3. Sezzle
  4. Klarna
  5. Affirm
  6. Splitit
  7. ViaBill
  8. Paypal Credit
  9. Zebit
  10. PerPay
  11. Four App
  12. FlexWallet
  13. FuturePay
  14. Final Words

Here’s the Best Alternatives and Competitors of Quadpay


venue marketplace

The app Venue is a well-known marketplace with a diverse product offering from well-known international businesses.

The company provides its customers with very flexible repayment arrangements along with affordable pricing that caters to their individual purchasing preferences.

It has also worked with hundreds of retailers and brands across the world to allow customers to purchase their favorite things.

Wedding gowns, technological equipment and gadgets, laptops, children’s toys, cellphones, cooking supplies, and so much more are all available on the app.

Look no further if you’re seeking for a BNPL online shop where you can find the finest variety of high products and offers.

Customers may expect an excellent marketplace and simple purchasing from the firm and its personnel.

Furthermore, before assigning you a spending restriction, the staff does not evaluate an individual’s credit score.

The company provides dependable and customer-focused service as well as unbeatable prices.



Afterpay is a BNPL platform situated in Sydney that has been active for only six years; but don’t let that young age fool you as it features large numbers of verified merchant partners and millions of global customers.

Furthermore, the company employs approximately 1300 people that work together to provide high-quality services.

You may buy the stuff you could only dream about by utilizing the app and putting only a downpayment (only 25%).

You won’t be harassed by disguised fees or excessive charges, either.

Install Afterpay on your smartphones to make purchasing your favorite items easier.

The incredible thing is that you could always open an account in just a couple of minutes and receive an immediate spending limit.

To use this lending service, you’ll need to make Afterpay your preferred payment gateway.



The app Sezzle is based in Minneapolis and is a tech-savvy payment company that offers you a payments system that allows you to manage your funds.

This platform also allows its users to buy things they need right now but then pay for them over time in installments with interest.

It becomes very possible to acquire the most trendy items in various categories thanks to Sezzle’s collaboration, including over 40,000 up-and-coming manufacturers.

Furthermore, this application had a very friendly UI while at the same time aimed to help placing and managing orders enjoyable.

It’s vital to remember that while determining a spending limit, this app considers the shopper’s credit score.

The app Sezzle boasts no less than one million current users, making it one of the most reliable and reputable platforms for credit purchases.

The service includes a simple 4-step setup process that takes just under five minutes and is ready to use.



The app Klarna is Sweden-based BNPL company that was founded in 2005.

Klarna is currently on the top tier of BNPL firms in Europe.

Its website offers a straightforward, appealing layout that makes it simple to explore.

It has also formed partnerships involving large numbers of manufacturers from more than 17  nations throughout Europe and the Americas.

Buyers who shop via this website may get items from well-known brands like Macy’s, Sephora, H&M, Dr. Martens, and ASOS which are among the greatest across the globe.

Furthermore, you will benefit from customizable payment plans as well as programs that are tailored to your specific requirements.

The Klarna new applicants are promptly reviewed and approved, allowing qualified clients to begin purchasing right away.

Additionally, consumers have the option of paying down the loan over 6, 12, and even 36 months.



Thanks to Affirm’s partnerships with many of the world’s most well-known businesses and a large customer base, the Affirm platform is one of the fastest-growing and one of the most reputable in the current BNPL market.

You can get free and dependable credit with this app, but you’ll have to shell out an annual payment fee that is equivalent to or below 30% of the total shopping cost.

Its objective is to provide high-quality, client-focused services that assist customers in gaining financial control.

Furthermore, they will constantly alert you by text or email to guarantee that you do not miss a payment.

You may download and install Affirm’s app for iOS and Android devices if you want the benefit of ordering things easily through phones or tablets at your own convenience.

Soft credit evaluation is required for acceptance into the Affirm system to determine your credit.

Customers are also given a year to return the full loan amount.

However, if you are able to pay for the entire product before the deadline, you may be able to expand your existing total budget.



The app Splitit is a decent BNPL firm that accepts Mastercard, Visa, and other major credit cards.

Using your existing credit card, you may split payments for things purchased in pre-approved online stores and convert them into smaller, more manageable payments using this app.

It’s a rapidly expanding credit firm having members and vendors from all across the world.

There’s no need to endure those time-consuming and difficult application processes when you use Splitit.

As a consumer, you can choose Splitit as a payment option during checkout at authorized retailers

Your transaction will be divided into very affordable payment steps using your present credit card (with no interest).

It’s vital to note how its users’ payments in the app are debited monthly through the active card attached.

Although some businesses could acknowledge debit cards, Splitit presently only works with a small number of them.



The app ViaBill is a very reputable online marketplace that caters to both merchants and customers in the United States, Denmark, and Spain.

This app also offers installment payments like the others on this list.

Despite the fact that the firm has only been operational for a few years, it has already been shown to be one of the most reliable BNPL applications.

The app ViaBill’s lending services are available to everyone because the firm does not perform credit checks.

Furthermore, your available spending amount is almost immediately set.

The business began operations in 2014 and now has facilities in New York, Copenhagen, and Madrid.

Its major purpose is to provide clients with a competitive and dependable interest-free payment option that allows them to conveniently search and purchase things and then conveniently pay for them in installments.

You can put down the product’s 25% cost initially and then pay the rest over three months.

It’s worth mentioning that the app ViaBill doesn’t charge interest on its credit services.

Paypal Credit

paypal credit

Elon Musk (and a few other clever people!!) established PayPal, a worldwide-acknowledged market and like the rest on this list, utilize online payments.

This payment company just debuted the BNPL to their system (named Paypal Credit), which allows approved consumers to purchase things and pay through partial deposits using their designated spending limit.

Furthermore, when you have already spent 99 pounds on a thing, the method allows you to obtain it without charging additional hidden charges for up to 4 months.

Starting to utilize PayPal Credit is not a difficult or time-consuming process.

Simply complete and submit the PayPal registration form, wait for a few hours, and then PayPal sends you a notice to let you know whether or not your application has been granted.

You’ll be granted a spending limit once you’ve been accepted for PayPal credit, which you may use to buy things from hundreds of recognized retailers.

When you use PayPal Credit, you must pay a minimum of $0.3 to 2.9 percent on each transaction.



The app Zebit is another simple method to purchase something and divide the partial payments over six months at 0% APR.

To begin with the app Zebit, you must first complete the registration, wait for a few hours to hear back, and then proceed to the buying.

You must supply proper identity and income information to enhance your opportunities of receiving credit.

Furthermore, Zebit only accepts those who are 18 years old and up.

The company has worked with a number of international merchants to provide you with interest-free access to a wide range of the newest items.

Products from Apple, Sony, Samsung, Nintendo, and more brands are available for purchase.

Furthermore, there’s no late fines, membership costs, property recoup, and other such concerns.

The maximum amount you may spend is $2500.

It’s worth noting that Zebit operates its Zebit score system, which assists the company in determining whether or not to boost or reduce its user’s spending limit based on your credit score.



PerPay is the next great BNPL payment possibility that also improves an individual’s credit score.

It comes in the form of a uncomplicated app and website with a simple and effortless layout.

Fortunately, there are no credit checks required to enroll with this program.

Furthermore, creating a profile just takes a couple of minutes.

Following the completion of your data in the system, the algorithm will do a short credit report on the user’s profile, and you will be allocated a corresponding spending availability.

You can browse items from verified sellers on the PerPay platform after the new user has been connected to the network and the limits have been set.

After the users have found and selected the items they wish to purchase, the total order is evaluated, and you’ll receive an email.

You may be required to make a small early allowance of the product’s cost, with the remainder being paid throughout time with tiny sums deducted from your weekly or monthly pay.

If you keep up with your payments, this business says that a person’s credit score will improve after four months.

Four App

Four App

The app is new to the sector of BNPL, but it’s growing quickly.

It’s available in both App Stores and Google Play.

It includes a simplistic interface that helps you to create a profile instantly and begin online shopping at your favorite businesses.

Four App’s team has worked with well-known businesses all around the world to provide a seamless purchasing experience for customers.

This BNPL software, just like the others on this list, allows people to buy things from their favorite merchants wherever they are; and then they can even complete the purchase through interest-free payments.

It also allows you to manage your purchases, the payment methods, and payment history.



If the BNPL method is your choice for purchasing products in online shops or physical stores, this is a great option.

The app FlexWallet has you covered by helping its users own the newest furniture, fashion items, appliances, or gadgets by allowing them to acquire them immediately but pay later.

Because it operates in the same way as the others on this list, extensive credit checks are not required before your application is accepted and your budget limit is set.

When you’ve already submitted your registration, Flexwallet will review your loan credit record, salary or income, and then assign you a spending restriction of $2,500 or less.

Also, you will also obtain a digital credit card that you may use to make order payments at FlexWallet-approved retailers.

It’s worth noting that the payment periods and charges are both variables.

Furthermore, the software is simple to use and available to iOS and Android users.

FlexWallet offers highly flexible payment periods as well as a large variety of BNPL products.



Another one of the BNPL payment options on this list, FuturePay is tailored to your specific buying requirements and patterns.

Furthermore, the company’s website and app are user-friendly, and the services supplied meet or surpass the demands of target customers.

You will fully enjoy the economic independence you’ve desired without the hassles of single purchase payments or credit card charges when you use this service.

Because creating a FuturePay account is totally free, this will be authorized and available to use before you can say “BNPL”.

Basically, you’ll have a “MyTab” personal account that you may use to make online purchases without having to use an active credit card.

You have the option of paying your debt in full at the end of the billing cycle, or if you are a bit late, you will be billed $1.50 per month for each $50 you carry forward.

Final Words

Purchasing the most up-to-date and current home, work, or personal items may be fairly pricey because technology and modernization always comes at a price.

Nevertheless, a lack of funds to purchase your selected goods in advance should not prevent you from appreciating your favorite products.

You can compare several solutions that are comparable to Quadpay.

Consider going to the bank with any of the listed companies, as they are all trustworthy and dependable.

The best thing is to do your due diligence and you can be assured of a good choice.