Zip / Shop Pay Financing 4 Installment Payments

What is Zip/ShopPay?

Shop Pay or Zip is an installment payment platform that lets you pay for your purchase using a credit or debit card. Shop Pay will automatically split the purchase amount into four payments every two weeks. Shop Pay empowers you to buy now and pay over time! This method of payment allows you to pay over time in four (4) easy installments with (0% interest) for your RGB Halo Kits purchase. 

Who can use Zip/ ShopPay?

To have an account with ShopPay, you must:
1. Live in the US
2. Be at least 18 years old
3. Have a valid and verifiable mobile number
4. Use a US credit or debit card to make a purchase

What information will Zip / Shop Pay ask for?
1. Full Name
2. Address
3. Date of Birth
4. US Mobile Number
5. US Debit or Credit Card

Additionally, ShopPay requires a mobile phone number and text message verification instead of having a traditional username and password to get started.

Is there a limit on how much I can spend with Zip/ ShopPay?
Each transaction is assessed before approval, and Zip/ShopPay does not approve every order! shopPay considers a variety of factors to determine approvals and spending limits. For example, if you are a repeat purchaser and have made all your repayments in time, you'll likely receive a higher limit than a new customer.

If you would like further information, please visit the zip Pay Support Site.

What if my Zip/ShopPay purchase is under $35?
To use ShopPay as your payment method at checkout, your order subtotal must be equal to or greater than $35.00 (with discounts applied). If the order is under $35.00, you can still complete your purchase using a different payment method.

Please note: When a discount code is applied at checkout, the discount will reduce your order total. Be sure to review the price breakdown before completing your order.

How do I sign up for QuickPay?
It's super easy! It's easy! Sign up while you checkout on the RGB Halo Kits website. For the initial sign-up, shopPay will ask for your date of birth, a US mobile number, and a US debit or credit card. Once you've entered your information, you'll instantly know if you are approved!

How do payment and refunds work with Zip/ ShopPay? 

When is my first Zip / ShopPay Payment Due?
Your first payment of 25% of the total purchase price is due at the time of checkout. The remaining three payments will be billed automatically, every two weeks from the first payment date.

How much does Shop pay the cost?
There is a $1 per-installment fee to use Zip/ShopPay, regardless of the size of your order. As long as your installments are paid on time, there are no other fees to shop with Zip/ShopPay .

How Can I check my Zip/ ShopPay Order or Account?
You can check current and past orders on the Quad Pay Customer Portal. Simply log in to view your account by entering your mobile number or email address. Log into Zip/ShopPay Customer Portal.

Verify your information and get instant access to current or past orders, edit your information, add a payment card and view your payments.

If you need help accessing your account, please get in touch with Zip/ShopPay Support directly at the following link to submit a request:

Will I be notified about my Zip/ ShopPay Installments?
Zip/ShopPay notifies customers with payment reminders via SMS and email before each payment is due.

Can I pay off my Zip/ShopPay Installments Early?
Of course! Simply log in to Zip/ShopPay Customer Portal and choose the order you wish to pay off early. You can log into Zip/ShopPay Customer Portal.

What if I have trouble paying my Zip/ShopPay installments?
No worries! Just be sure to notify Zip to avoid a late fee if your payment method is not up-to-date or if you can't make your next payment. You may contact Zip by clicking here. Please note that Zip will determine whether or not a payment date change can be honored.

Installment payments are automatic. However, Zip / Shop pay will charge a late fee in certain instances such as if your payment cannot be processed because your debit card account has insufficient funds or your credit card is no longer valid.

In such instances, Zip will charge a $7 late fee after the first missed payment on each installment. If any installment goes past 7 days late, there will be a single additional fee per order, $7. If your payment is denied in error, you can contact Zip/ShopPay Support by submitting a request at

What if I lose or want to change my payment method for an existing Zip/ShopPay  order?
Zip associates your card with your order when you first complete the checkout process for that order. If you need to change which payment method is used for future installments, follow these steps to associate a different card with a given order. This will cause all further installments for that order to be billed against your new card.

1. Log into the Customer Portal at
2. Go to the Orders Page and click View Order for the order you want to change.
3. Click Edit next to the payment card.
4. Select the card you'd like to use, and click "Use this Card."

Note: You will need to repeat this process for each order you would like to change to a new card. If you would like to use a card not yet associated with your Zip/ShopPay account, you will need to add it before associating it with the order.

If I return my Zip/ShopPay order, will I receive a refund?
Online returns from RGB Halo Kits are refunded via store credit in the form of an E-Gift Card code. Refunds issued for returned items do not affect your Zip/ShopPay installments. When returning items by mail on a purchase made using Zip/ShopPay, you will still need to complete your payments to Zip/ShopPay, as RGB Halo Kits processes returns and refunds separately.

Please allow 5-7 business days after your return package is received at our Distribution Center for processing. You will receive an email after your return has been processed by our Returns Department. Your E-Gift Card code will be sent to the email on file for the order in question. This store credit can be used for online purchases on the website and never expires!

Please click here for information on Rgb Halo Kits' Online Return Policy.

For further information about the refund process, please visit the Zip/ShopPay Support Site.

How do partial refunds work with Zip/ShopPay ?
When a partial refund is issued in cases such as one item is out of stock out of several items, Zip/ShopPay will reduce the last installment amount by the amount refunded. If the refund amount is greater than the last installment amount, Zip/ShopPay will deduct the partial refund from your last and second to last installment - and so on.

Example: You make a $100 purchase. Each installment payment is $25. You pay the first initial installment of $25 at checkout. Later, Rgb Halo Kits refunds $50 on your purchase. The value is applied to the last of their installments and then to the next-to-last installment - and so on - until the entire refund amount has been applied. Below is a breakdown of what the refund(s) would look like.

$25 - PAID.
$25 - The second installment remains and is still due on the original due date.

How do full refunds work with Zip/ShopPay ?
In cases where orders are canceled and a full refund must be issued, customers are only refunded the amount they have paid to date via their installments. Zip/ShopPay will then cancel all future payments. Depending on the financial institution, refunds can take 2-3 business days to process.

Example: You make a $100 purchase. You pay the first initial installment of $25 at checkout. Later, the order is canceled. A refund of $25 is issued, and Zip/ShopPay will cancel the remaining installments (totaling $75).

For more information regarding in-store returns, please see our Return Policy. 

Zip/ShopPay FAQ

1. Choose Zip/ShopPay as your payment method at checkout for orders over $35. No long forms or credit checks are required, just instant approval.
2. Checkout using a credit or debit card. The first 25% of your order total is charged at the time of purchase.
3. Pay the rest in equal installments billed automatically over 6 weeks. There are no late fees if paid on time!

You can also click here to review Zip/ShopPay Help Section!
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