Accounts that have past due installments are automatically sent to collections after a certain time period. This happens automatically by computer. Customer support agents do not have info as to when this will happen.
Zip (previously Quadpay) accounts can become past due for a variety of reasons. Most of the time it's because a payment card on file expired, and the automatic installment payments couldn't be charged to the card.
How can I avoid being sent to collections?
Please make a payment as soon as you can to avoid being sent to collections. You can update your payment info and make payments through our app and in our customer portal.
Using the Zip Customer Portal, you can log in by entering either your mobile number or email address, and gain instant access to current orders. You can also see your past payments, and payments due.
Can I make a payment arrangement or a payment plan?
Zip (previously Quadpay) is already an installment plan provider, so further payment plans are unfortunately not possible. However, if you are experiencing financial hardship, you may be eligible to have your order(s) paused until you are able to make payment.