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Quadpay operates a buy now, pay later platform that enables consumers to split their purchases into four interest-free installments, typically paid over six weeks. This financial technology solution integrates directly into merchant checkout processes, both online and in physical stores, providing an immediate alternative to traditional credit or upfront payment. The platform facilitates greater purchasing flexibility for customers while offering merchants a tool to potentially increase sales and average order values by removing payment friction.
The company was founded in 2017 by Adam Ezra and Brad Lindenberg in New York. Their founding insight centered on the growing consumer demand for more transparent and manageable payment solutions than those offered by conventional credit products. They aimed to create a financially responsible method for shoppers to budget for purchases without incurring interest or hidden fees, addressing a clear gap in the market for accessible short-term financing.
The platform primarily serves consumers seeking convenient, interest-free payment options for their everyday shopping, alongside a diverse range of merchants looking to enhance their sales by offering flexible payment terms. Quadpay’s ongoing vision is to empower individuals with improved financial freedom and control over their spending, making goods and services more attainable and manageable through responsible installment plans.
Key people at Quadpay.
Quadpay was founded in 2017 by Peter Gray (Co-founder & Global COO).
Quadpay is a U.S.-founded buy‑now‑pay‑later (BNPL) company launched in 2017 that was acquired and rebranded into the global BNPL group Zip (Zip Co) in 2020, and today operates as Zip’s U.S. business offering short‑term installment payment products that let shoppers pay in four or more interest‑free installments via a virtual card or merchant integrations.[2][5]
High‑Level Overview
Origin Story
Core Differentiators
Role in the Broader Tech Landscape
Quick Take & Future Outlook
Quick reminder: Quadpay today functions under the Zip brand as Zip’s U.S. installment payments product following its 2020 acquisition by Zip Co, so most current product, metrics and strategy are reported under Zip rather than an independent “Quadpay” entity.[2][4][5]
Key people at Quadpay.
Quadpay was founded in 2017 by Peter Gray (Co-founder & Global COO).