You have likely not been charged. When you make a purchase request with the QuadPay App, we pre-authorize your payment card for the first installment for 25% of the value of your purchase request.
If the charge is not successful then the pre-authorization will be cancelled. This usually takes 24-48 hours, although in some cases this can take up to 10 business days.
If a purchase request is cancelled before making a purchase, you may see the pending charge disappear, or a pending credit for the same amount appear (these will cancel out in your account). These will also fall away, usually in a couple of days.
A final authorization is made that will reflect the first installment amount once you complete your order and your card is actually charged - since your order was successful that authorization will post to you card as your first installment payment.
If any unfamiliar pending or extra / double charges do post to your account, please let QuadPay support know and we'll be happy to look into this matter for you.
Also, you will sometimes notice what looks like duplicate charges on a successful order. You have not actually been charged multiple times. This usually happens when a successful order is placed after an unsuccessful order. This may also happen if you place multiple purchase requests. Even if no order is placed as a followup. Here is an example of this scenario:
Robert uses the QuadPay App to pay for an order on Nike.com. The order total is $100. On his first attempt to place an order he is unsuccessful. But on the second attempt it goes through and the merchant confirms on their side.
On Robert's recent account activity, he will see two amounts of $25 on his account. $25 is the correct first installment for the order since it is an $100/4 = $25 per installment. But he should only be seeing one and not two. The other charge is a pending charge from first the attempted order. And is something that will fall off in 2 business days but can rarely take up to 10 business days.
If you notice a pending charge that fully post to your account, please contact us and we can look into the matter further.