Chime vs Zip (Formerly Quadpay)
Chime vs Zip (Formerly Quadpay), compared side by side on 16 data points: what each one does, how big it is, what it has raised, the tech running each site, and what users report. We score both out of 100 on traction, team and visibility: Chime is on 77/100 and Zip (Formerly Quadpay) on 43/100.
Where each one leads
Chime
- our overall score: 77/100 against 43/100
- funding raised: $13B against $1.3B
Zip (Formerly Quadpay)
- agent readiness: 48/100 against 25/100
At a glance
| Measure | Chime | Zip (Formerly Quadpay) |
|---|---|---|
| What it is | Chime is a US neobank offering mobile-first banking services with no monthly fees, automated savings, and early paycheck access. | Buy Now, Pay Later (BNPL) service formerly known as Quadpay, enabling installment payments for online and in-store purchases. |
| Category | Fintech, Neobank, Digital Banking, Consumer Finance | Fintech, Payments, Digital Payments, Embedded Finance |
| Sells toBusiness model | B2C | B2B2C |
| Offering | Software | Platform |
| Founded | 2012 | 2013 |
| Headquarters | San Francisco, United States | Sydney, Australia |
| Status | Active | Active |
Size, funding and growth
| Measure | Chime | Zip (Formerly Quadpay) |
|---|---|---|
| Employees | 1,500 | Not published |
| Headcount growthLast 12 months | +500.0% | Not published |
| Total funding | $13B | $1.3B |
| Latest round | Not published | Secondary Market |
| Valuation | $25B | Not published |
| LinkedIn followers | 179,516 | Not published |
StartupHub scores
Our own 0-100 ratings. They measure company strength and site quality, not which product suits you.
| Measure | Chime | Zip (Formerly Quadpay) |
|---|---|---|
| StartupHub scoreOur 0-100 rating | 77/100 | 43/100 |
| Traction | 60/100 | 40/100 |
| Team | 60/100 | 50/100 |
| Community | 8/100 | Not published |
| Search visibility | 51/100 | 5/100 |
| Quality | 94/100 | 50/100 |
| Agent readinessHow well an AI agent can read and act on the site | F (25/100) | D (48/100) |
| Domain ratingLink authority, 0-100 | 78/100 | 84/100 |
Technology
Detected on each public site, so it reflects the marketing stack as well as the product.
| Measure | Chime | Zip (Formerly Quadpay) |
|---|---|---|
| CDN | Cloudflare | Cloudflare |
| Frameworks | Not detected | Graphql |
Chime vs Zip (Formerly Quadpay): common questions
Which is better, Chime or Zip (Formerly Quadpay)?
On our 0-100 score Chime rates higher (77/100 against 43/100). The score weights traction, team, visibility and profile completeness, so it reflects company strength rather than which product suits you. We compare the two on 16 data points above: read the rows that match what you are buying for.
How do Chime and Zip (Formerly Quadpay) compare on the numbers?
Chime leads on our overall score (77/100 against 43/100), funding raised ($13B against $1.3B). Zip (Formerly Quadpay) leads on agent readiness (48/100 against 25/100).
Read the full Chime review and pricing or the Zip (Formerly Quadpay) review and pricing. You can also browse other Chime alternatives we track.