A reusable virtual BNPL card that works at almost any store — not just partners.
Zip (formerly Quadpay) gives you a reusable credit limit and a virtual card you can use at virtually any store — even ones that don't have Zip as a checkout option. Split any purchase into 4 payments over 6 weeks.
Unlike other BNPL apps, Zip charges a small account management or per-transaction fee rather than interest. This makes it easy to understand the true cost upfront.
Apply once, get a reusable credit limit. No need to re-apply for each purchase.
Use Zip's virtual card at any store that accepts Visa/Mastercard — not just Zip partners.
First payment at purchase, then 3 more automatically. Small account fee applies per transaction.
As you make payments, your available limit replenishes — just like a reusable line of credit.
Want to use BNPL at stores that don't officially support it, or if you want a reusable credit line rather than applying fresh for each purchase. The virtual card feature is genuinely unique and useful.
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