Zip Co USA
Zip Co USA (formerly Quadpay) provides "buy now, pay later" services, allowing consumers to split purchases into interest-free installments.
What you need to know about Zip Co USA
The company responds to most customer complaints in a satisfactory manner.
- Zip Co USA’s customer service response times can vary depending on the method of contact, the volume of inquiries, and the nature of the issue.
- You can resolve a problem with Zip Co USA with our insider guide or through its executive contacts.
- Zip Co USA's customer service policies are standard. Here are our frequently asked questions about Zip Co USA.
How to resolve a problem with Zip Co USA
Try self-service first
Use our proven resolution methods, or Zip Co USA’s self-service links below.
Contact an executive
Start with the primary contact below, then escalate step by step if needed.
Get free advocacy help
Contact Elliott Advocacy for free mediation of unresolved complaints.
Note: If you’re having customer service trouble, please use our proven methods for fixing any consumer problem before contacting a manager.
We care about accuracy. If any of the following email addresses bounce back or the phone numbers are incorrect, please report it to us immediately through this form.
How fast does Zip Co USA respond?
Phone support
Representatives are available 7 days a week from 9 a.m. to 9 p.m. Eastern time.
Email supportus-support@care.zip.co
Representatives are available 7 days a week from 9 a.m. to 11 p.m. Eastern time. Users can contact Zip Co USA by email or through the online form on the website.
Live chat
Live chat support is available through the Zip app.
Social media
Zip Co USA is active on social media platforms such as Facebook, X, Instagram and LinkedIn.
Help center/FAQ
Zip Co USA's help center/FAQ provides quick answers to common questions regarding account setup, payments, refunds and using the "buy now, pay later" service.
Verified contacts
Zip Co USA customer service executives
Maintained by Elliott Advocacy and updated regularly. Here’s how we do it →
Zip Co USA self-service links
On the website, navigate to "Account Settings" to view and update personal information, payment methods, addresses, notifications and security settings.
Zip Co USA customer service policies
Zip Co USA’s privacy policy describes how the organization collects, uses and protects personal and payment information. It outlines how data are shared with merchants, service providers and regulatory authorities.
Zip Co USA loyalty program
Zip Co USA does not have a loyalty program.
Frequently asked questions about Zip Co USA
Call (888) 274-3159 or email us-support@care.zip.co.
Zip accepts major debit and credit cards, including Visa, Mastercard and American Express.
Your first payment is due at the time of purchase and is 25% of the total for "Pay in 4" installments.
Fees usually relate to late payments, failed payments, account inactivity, or plan changes. Some fees apply only after a purchase is made.
Certain Zip U.S. products apply account or monthly fees once your account is active or a purchase is completed.
Accounts may be restricted due to missed payments, verification issues, unusual activity, or internal risk reviews.
Spending limits are adjusted automatically based on payment history, account activity, and credit or risk assessments.
U.S. regulations require ongoing identity and fraud checks. Zip may request documents at any time.
Log in to your Zip account and submit a dispute for the transaction. If it is not visible, contact Zip support directly.
Disputes require coordination with the merchant and payment networks, which can extend investigation timelines.
High request volume and peak demand can delay responses. Initial inquiries may be handled by automated systems.
Automated replies are used for common issues. More complex cases may require follow-ups to reach a live agent.
Refund timing depends on when the merchant releases funds and U.S. banking processing times.
Accounts can be closed due to risk reviews, inactivity, regulatory requirements, or changes in eligibility.
Each purchase is reviewed individually. Approval at signup does not guarantee future transaction approvals.
Fees are disclosed in U.S. terms and repayment schedules, though customers may miss details at signup.
Zip reports payment behavior to U.S. credit reporting agencies in line with its policies and regulations.
U.S. regulatory changes can affect verification requirements, spending limits, and account reviews.
You may escalate through Zip’s complaint process or contact the Consumer Financial Protection Bureau (CFPB).
Pending transactions, refunds, or statement cut-off dates can cause balance differences.
Charges may apply for late payments or certain plans, as outlined in Zip’s U.S. agreements.
Zip can update terms with notice under U.S. law. Continued use generally indicates acceptance.
Many complaints arise from misunderstandings about fees, repayments, or credit reporting obligations.
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Disclaimer: Contact information is believed reliable but not guaranteed. Executives change contact details frequently. If an email bounces or a number is wrong, report it immediately. Published January 5, 2026. Updated January 8, 2026.