Quadpay vs Sezzle Guide

Sezzle Vs Quadpay Review

Online shopping is a miraculous thing. You get access to a wide range of products spread across multiple brands, all from the comfort of your home!

We all know the pains of liking a product and adding it to the cart, only to realize we can’t afford it. Well, not in the present moment anyway. Luckily for us, finance apps like Quadpay and Sezzle have our back. These apps allow shoppers to pay for their purchases in easy installments – so which one should we choose?

Before we get into the Sezzle vs Quadpay debate, let’s have a look at each of them.


Quadpay has revolutionized the ‘Buy Now Pay Later’ option for their client base, allowing them freedom and flexibility in their shopping experience. You don’t have to sit out on a product or worry about it being unavailable by the time you have the funds to purchase it.

As the name goes, with Quadpay, you can pay for your purchase in four installments spread over 6 weeks. It has zero interest and no hidden fees. Plus, it does not affect your credit score in any way. What can be better than this?

Everybody benefits from using Quadpay, including the merchants that are associated with it. They get to enjoy higher Average Order Value (AOV) and conversion, as customers are more likely to go through with their purchases.

Let’s weigh the pros and cons of shopping with Quadpay.


  • Online and in-store flexibility.
  • Pay for purchases over a 6-week time period.
  • Interest-free purchases.
  • You can earn cashback and rewards if you use a rewards credit card to make payments.


  • Only one payment plan.
  • You can get wait-listed which can last 30 days.
  • Late fees get added to the cost.
  • A purchase request is valid for 24 hours only.
  • It’s not a one-time approval. You have to get approved every time you make a purchase.


Sezzle increases the purchasing power of both individuals and companies by helping them make the decision to purchase today. Purchase a product interest-free and pay back in 4 easy installments over 6 weeks.

Sezzle, a public-benefit corporation, believes financial freedom is a right and not a privilege. Getting approved for Sezzle is a fairly easy process. Just sign in and get instant approval. You can then shop at over 34,000 stores and get that golden Buy Now, Pay Later option for all your purchases.

It can be easily merged with any website and facilitates a wider selection of products, both in-store and online. Sezzle is notorious for waiving the first repayment fee, after that, the maximum late fee is capped at $10.

Let’s weigh the pros and cons of shopping with Sezzle.


  • No hard credit checks
  • Interest-free transparent payment plan, no hidden charges
  • Auto-generated emails and reminders to help you stay in check of your payment dates.
  • You can reschedule your first purchase without any charges.
  • No wait time as Sezzle pays for your order in full.


  • Charges levied for late or rescheduled payments after the first.
  • Requires a 25% down payment for every purchase.
  • Does not support reward programs.
  • Spending limits vary.

Sezzle vs Quadpay – Which Is Better?

Quadpay and Sezzle have their separate fan bases. 2.5 million U.S customers use Quadpay while 1.8 million use Sezzle as an effective ‘Buy Now, Pay Later’ installment option for their purchases.

Founded in 2017, Quadpay has seen a solid 33% in customer growth which is a testament to the kind of service it provides. Quadpay has formed a partnership with ZIP, an Australian firm, which has allowed it to raise $130 million in funding to expand the availability in the United States.

Quadpays reviews have jumped by 55% but it’s nothing compared to Sezzle which has seen a whopping 171% surge in app ratings.

Sezzle is smaller than many renowned BNPL finance apps but it has shown immense potential and growth in the industry. Sezzle is the kind of app you skip on because of its lack of popularity only to realize it’s a gold mine after.

Sezzle has seen insane growth with regard to app reviews and employee headcounts. Its social media following rivals finance apps that have been in the game longer than Sezzle. Sezzle has built a base in Australia too which allows them to build a comparatively big customer base as opposed to Quadpay which only functions across the United States.

Key Points

  • Navigation: Quadpay and Sezzle’s interface is easy to use and navigate.
  • Payment: Quadpay and Sezzle both support 4 installments over a period of 6 weeks. Quadpay allows payment processing while Sezzle allows installment payment only.
  • Availability: You can get the BNPL benefits online and in brick-and-mortar stores through Quadpay and Sezzle.

How Do They Work?


To qualify for a Quadpay account, you need to meet certain criteria. You should:

  • Live in the U.S and have a U.S.-issued debit or credit card.
  • Be of legal age, that is, 18 years and up.
  • Have a working mobile number.

You can pay off your purchases, however big or small, over a period of 6 weeks in 4 easy installments interest-free. Your first installment acts as your down payment. While Quadpay does not pull receipts for credit card checks it won’t hurt to pay on time to avoid having to pay late fees.


To qualify for Sezzle, you will need to make an order through them. Their approval system will determine the kind of repayment plans they can offer you by reviewing your profile/account.

You can avoid any reschedule or late payment charges by paying on time. Buying through Sezzle has no downtime as Sezzle pays the merchant upfront and in full, allowing the merchant to process your order quickly.

The main difference between Sezzle and Quadpay is the way that both platforms structure late fee payments. Sezzle allows you to do a free payment reschedule once and gives you a 48-hour grace period, but they will charge you a flat $10 for being late.

Quadpay can impose penalties of $5, $7, or $10 depending on your state, and will rack up further penalties if you continue to pay late – not a good choice if you’re low on savings.

The other main difference is the investor profiles of both companies – this may matter if you run an e-commerce business and are deciding whom to partner with. Sezzle is the clear winner here – with over 270 million raised with twice the number of capital investors when compared to Quadpay.

The Takeaway

Buy now, pay later options have simplified the users’ shopping experience. They can be used both in-store and online without the apparent fees and drawbacks associated with credit cards.

Sezzle and Quadpay are both incredible finance apps for the Buy Now, Pay later shopping option – although we believe that Sezzle inches a tiny bit ahead of the competition.

We hope the clear-cut comparison between Quadpay and Sezzle will allow you to make an informed choice according to your needs and preferences.

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