HOW ZIP™ WORKS

Zip™ is a payment platform that gives shoppers the choice to pay for their purchases via 4 simple installments using a credit or debit card. Zip™ automatically splits the purchase amount into 4 payments, every two weeks. Zip™ empowers you to buy now, pay over time.

Zip™ requires your name, address, date of birth, a US mobile number, and either a debit or credit card for sign up. Instead of having a traditional username and password, Zip™ requires a mobile phone number and text message verification.

In order to have an account with Zip™, you must:

• Live in the US
• Be at least 18 years old
• Have a valid and verifiable mobile number
• Use a US credit or debit card to make a purchase

You can sign up during the checkout process. For the initial sign up, Zip™ will just need your date of birth, a mobile number and either a debit or credit card. You'll know if you are approved instantly!

The easiest way to manage your Zip™ orders is via our app which you can download here. Zip™ also has a Customer Portal where you can log in by entering your mobile number or email address and have instant access to your current and past orders at https://customer.quadpay.com.

Zip™ notifies customers with payment reminders via SMS and email before each payment is due.

Your first installment of 25% of the purchase price is due at the time of checkout. The remaining three installments will be billed automatically, every two weeks.

Of course. Just log into the App or Customer Portal and choose the order you wish to pay early. https://customer.quadpay.com.

It’s important to notify Zip™ to avoid a late fee if your payment method is not up-to- date. Payments are automatic, however, Zip™ charges late fees in certain instances, such as if your payment cannot be processed because your debit card account has insufficient funds or your credit card is no longer valid. For more information on late fees, please see Zip™’s help page.

• If your payment is denied in error, you can contact Zip™ Support by submitting a request at https://help.us.zip.co/hc/en-us/requests/new

Zip™ associates your card with your order when you first complete the checkout process. If you need to change which payment method is used for future installments for an order, follow these steps to associate a different card with a given order. This will cause all further installments for that order to be billed against your new card.

• Log into the Customer Portal at https://customer.quadpay.com
• Go to the Orders Page and click View Order for the order you would like to change.
• Click Edit next to the payment card, select the card you’d like to use, and click “Use this Card”

As soon as Zip™ is notified of the return, our customers are refunded the amount they’ve paid to-date and Zip™ cancels all future payments. In the event of a partial refund, scheduled installments are reduced/cancelled first, and then paid installments are refunded.