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Domain Due Diligence
Report for Quadpay.com

Report Date December 24, 2025
Recommendation
Caution
Overall Summary
Suspicious
Why we think so

quadpay.com, now branded as Zip in the U.S., is a payment service offering buy now, pay later options primarily for fashion and lifestyle shopping. It attracts about 119,000 monthly visits mostly from the United States. The site uses reputable technologies including Cloudflare CDN and has secure SSL certificates. Registered since 2016 with GoDaddy, it holds multiple U.S. trademarks. While legitimate, QuadPay/Zip has regulatory history in California relating to unlicensed lending, and users report repeated customer service and billing complaints, with some alleging unauthorized charges and refund issues. The company also warns about impersonation scams that target its brand.

Confidence Score
73%

Risk Insights

✅

Established Domain and Security 👍

Domain created in 2016, registrar is GoDaddy
Uses Cloudflare CDN and valid SSL certificates
No blacklist or phishing flags detected
⚠️

Regulatory Settlement in California ⚠️

Settlement for unlicensed loan practices
Refunds of $685,000 issued to consumers
Penalty payment of about $69,000
⚠️

Consumer Complaints Indicate Service Issues ⚠️

Frequent reports of refund delays and billing errors
Poor customer support and difficulty resolving disputes
Complaints about excessive or unfair fees
⚠️

Scam Impersonation Risk ⚠️

Scammers use QuadPay/Zip branding to defraud
Company advises caution with unsolicited contacts
Users should report phishing or fake job offers

Contradictory Signals

Technical legitimacy contrasts with poor customer experience and regulatory concerns

Signal A: Domain and technical signals indicate legitimacy

Signal B: High volume of user complaints and regulatory issues

Category Scores

Identity 85/100
Reputation 40/100
Technical 90/100
Content 75/100
Legal 50/100
Business Validity 70/100

Red Flags & Warnings

  • Consumer complaints describe poor customer service, billing errors, and refund problems.
  • Regulatory enforcement in California for unlicensed lending activity resulting in penalties and refunds.

🔎 Detailed Checks & Analysis

Domain Age and Registrar Reliability

Score: 90/100
Passed

"Domain age and registrar indicate established presence supporting legitimacy."

Reason: The domain quadpay.com was created in 2016 and is registered with reputable registrar GoDaddy.com.

Website Technology and Security

Score: 90/100
Passed

"Strong technical infrastructure with no blacklist detections enhances trustworthiness."

Reason: Site uses trusted CDNs like Cloudflare, has valid SSL from recognized issuer, and employs standard technologies.

Brand and Trademark Verification

Score: 85/100
Passed

"Active trademarks support established business identity."

Reason: Multiple registered trademarks in the US for QUADPAY owned by QuadPay Inc. affirm brand authenticity.

Customer Reviews and Reputation

Score: 35/100
Failed

"Low consumer satisfaction and unresolved complaints indicate reputation risks."

Reason: Numerous complaints on BBB and consumer forums report poor service, billing errors, and refund issues.

Regulatory and Legal Issues

Score: 25/100
Failed

"Regulatory enforcement suggests serious compliance issues historically."

Reason: Regulatory settlement in California found QuadPay conducted unlicensed lending, triggering refunds and penalties.

Phishing and Scam Risk

Score: 40/100
Failed

"External scam risk complicates user trust but not direct company fraud evidence."

Reason: Company warnings about scammers impersonating QuadPay/Zip for fraudulent schemes increase potential user risks.

Your Next Steps

  • 1
    If you use QuadPay/Zip, carefully monitor charges and communications for suspicious activity.
  • 2
    Keep documentation of all transactions and merchant communications to resolve disputes.
  • 3
    Contact Zip support for service issues; escalate to consumer protection agencies if unresolved.
  • 4
    Be wary of unsolicited contacts or job offers claiming affiliation with QuadPay/Zip.
  • 5
    Use strong passwords and enable security features to reduce risk of unauthorized access.

Evidence & Citations

🕵🏻 Keep investigating

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