I have seen app like this but none of those actually works . This app allows you to make purchases with a credit line while you only pay 1/4 of the actual price now and the rest over time. I tried the app myself and the payments are manageable, your items come exactly as advertised on the websites, and they come in a timely manner. There is also another app that is associated with Four, called Shop, that allows you to track your packages. Your able to see exactly where it is and when it will arrive. The one thing I wish to see is more stores listed in the app. Other than that I think you guys have done a great job ! Keep it up Four ! ??

My first order with four went very well. No issues. Was able to order through the app and everything went smooth. My second order however was a nightmare. The app kept freezing up. I finally got my order placed after having issues using the four card to pay for my order. They took the money out of my bank account, but my order never showed up to the merchant. I emailed and tried to chat with a representative to fix the problem, and sent in screenshots of my bank account to where they took the money out. Customer service replied, asked for the pictures and the problem, and I waited 30 minutes on the chat waiting for a response and got nothing. Finally they came back and said they were passing it to somebody. It has now been over 24 hours and I still have not received any information about moving forward with my order (which is what I wanted to do) or a refund. I use “buy now, pay later” apps all the time. I probably have almost all of them that are available in the US. By far Four has b...

It’s good, but could be better. Not the most user friendly, I feel like for every little thing I need to contact customer service, which isn’t ideal. They add on a lot of new stores frequently which is great, but with how troublesome the app is it’s almost not worth purchasing. I can never get the card to generate at checkout like it’s supposed to. Customer service advises it will automatically populate at the bottom of the screen when you’re at the payment tab to order, but that has never happened for me. I always have to contact customer service for assistance, only to be told they’ll escalate the issue to someone else, or that the store is down for maintenance. Their customer service chat platform is horrible. When a rep finally connects to help, it’s not a live chat like I would hope, or like other stores have for customer service chats. A live chat would work so much better, because right now it works like an email system. Their competitors are much better, hopefully they’ll make ...

I think this is a great concept and really enjoyed/loved it until 2 of my orders were canceled and then I was charged for the 1st installments anyway. I had to ask for refunds and it took 2 weeks to get them. QuadPay isn’t like this. If the order cancels for some reason, they won’t take the 1st installment until the Seller actually charges the QuadPay Virtual Card. The most that is bothering me is that I have not been able to log into their app for 2 weeks. They keep telling me they are aware of this issue and they are fixing it. I don’t understand why it’s taking this long. I can’t change my payment method or shop. Today it said there was an update 22 hours ago, I got excited and updated the App, still doesn’t work! I tried resetting my password many times, it says my password was changed,but when I try to log in with the new password, it won’t accept it. This has been very frustrating. FOUR, please fix this issue... so I can love this app again! ?

The ap would be great if it wasn’t for shady customer service practices. Even if you decide not to finish your order or check out, they still take your money and it can be up to a week or more before you see it. It’ll come out of your bank and everything. Customer service will tell you it’s just pending and to give it a day… and then when it’s still gone three days later they’ll let you know it was an actually charge and you have to wait for the refund. In the meantime you don’t have the money in your account. It’s not worth it to chance it if you can’t even change your mind on a sell before purchasing. I highly recommend trying one of the other apps before this one Update:it’s been over a week since they took money out of my account that I didn’t approve and it’s still not back. Customer service is a joke and keeps telling me to just wait.. I turned my card off and they won’t receive a single payment until I get my money they stole back. Don’t waste your time or your money. Use split...