A 18337823729 charge on your credit card, debit card, or bank statement may be connected with Zip, the buy-now-pay-later service formerly known as Quadpay. The number can also be written as 1-833-782-3729, 833-782-3729, 8337823729, or +18337823729.
Some Zip installment payments have also appeared as AR3 LLC* QUADPAY ANYWH or similar wording. Check your Zip account, payment schedule, email receipts, and recent installment purchases before treating the transaction as unauthorized. The old 833 number is not Zip’s current published customer-service number.
What Is the 18337823729 Charge on My Credit Card?
The 18337823729 charge on your credit card most likely represents a payment associated with Zip Co US Inc. or the service formerly known as Quadpay.
The number is formatted as:
1-833-782-3729
Historical company and employment records connected this number with Quadpay and Zip Co US Inc. It may appear by itself or as part of a longer payment descriptor.
Possible explanations include:
- A scheduled Zip installment
- A purchase originally made through Quadpay
- A Zip Pay in 2, Pay in 4, or Pay in 8 payment
- A payment connected with a Zip virtual card
- A Zip in-store or online purchase
- A payment retry after an earlier failure
- A charge displayed under AR3 LLC or Quadpay wording
- A purchase made by another authorized card user
- An unauthorized use of the card or Zip account
The number alone may not identify the original retailer, product, order number, installment plan, or person who made the purchase.
Is 18337823729 Connected to Zip or Quadpay?
There is a strong historical connection.
Quadpay was a buy-now-pay-later service that later became Zip in the United States. Public company-related records used 1-833-782-3729 for Quadpay and Zip Co US Inc.
A transaction connected with the number may therefore involve:
- An older Quadpay account
- A current or former Zip installment plan
- A payment agreement created before the Quadpay-to-Zip rebranding
- A bank descriptor that retained the historical Quadpay telephone number
- An AR3 LLC descriptor connected with Zip’s payment structure
This identification is a strong lead, not absolute proof. Confirm the transaction through the Zip app or customer account because telephone numbers can be outdated, reused, truncated, or displayed incorrectly.
What Is 833-782-3729?
833-782-3729 was historically associated with Quadpay and Zip Co US Inc.
The same number may appear as:
- 18337823729
- 1 833 782 3729
- 1-833-782-3729
- 8337823729
- 833-782-3729
- +18337823729
- QUADPAY 8337823729
- ZIP 8337823729
- AR3 LLC 8337823729
Zip no longer publishes 1-833-782-3729 as its main customer-service number. Do not rely on the old number for current account support.
Zip’s current official customer-service number is:
What Is AR3 LLC on a Bank Statement?
AR3 LLC is a U.S. company within the Zip Co corporate group. Zip’s corporate reports list AR3 LLC and AR3 Holdco LLC as wholly owned subsidiaries.
Reported statement variations include:
- AR3 LLC
- AR3 LLC NY
- AR3 LLC QUA
- AR3 LLC* QUA
- AR3 LLC* QUADPAY
- AR3 LLC* QUADPAY ANYWH
- AR QUA AR3 LLC* QUA
- AR3 LLC RECURRING
The letters AR3 do not explain which retailer or product was involved. The original transaction may have been completed through Zip at another online or physical store.
Why Did AR3 LLC Appear Instead of Zip?
Zip publicly acknowledged a January 2024 technical problem that changed the statement description for some installment payments.
The normal wording was described as:
ZIPCO* QUADPAY ANYWHE
Some affected payments instead displayed:
AR3 LLC* QUADPAY ANYWH
Zip said the descriptor problem was resolved on January 16, 2024.
This explains why a legitimate Zip customer may have seen an unfamiliar AR3 LLC transaction and mistakenly disputed it. It does not prove that every AR3 LLC transaction is valid or connected with the same purchase.
Common Zip, Quadpay, AR3 LLC, and 18337823729 Variations
- 18337823729
- 8337823729
- 833-782-3729
- +18337823729
- ZIP
- ZIP CO
- ZIP CO US
- ZIPCO
- ZIPCO* QUADPAY
- ZIPCO* QUADPAY ANYWHE
- QUADPAY
- QUADPAY ANYWHERE
- AR3 LLC
- AR3 LLC NY
- AR3 LLC QUA
- AR3 LLC* QUADPAY ANYWH
- AR QUA AR3 LLC* QUA
- RECURRING AR3 LLC
- POS DEBIT AR3 LLC
- CHECKCARD 18337823729
- PENDING ZIP
- ZIP PAYMENT
- ZIP INSTALLMENT
The wording can vary by bank, card network, Zip product, retailer, virtual card, payment processor, and available statement space.
Why Is Zip Charging My Card?
Zip is a buy-now-pay-later platform that allows qualifying customers to divide a purchase into smaller payments.
A charge may represent:
- The first payment collected when the purchase was made
- A later scheduled installment
- A payment due two weeks after an earlier installment
- A purchase made with a Zip virtual card
- An in-store Zip transaction
- An online Zip transaction
- A manually submitted early payment
- A rescheduled payment
- A payment retry
- An applicable installment or origination fee disclosed in the plan
The statement may show Zip, Quadpay, AR3 LLC, or the historical telephone number rather than the retailer where the item was purchased.
Why Does the Charge Not Show the Store Name?
Zip may sit between the cardholder and the original merchant. The card is used to pay Zip installments, while Zip or a Zip-generated virtual card handles the purchase with the retailer.
For example, a person may remember buying from:
- A clothing store
- An electronics retailer
- A travel provider
- An online marketplace
- A home-goods store
- A service business
The bank statement may display Zip, Quadpay, AR3 LLC, or 18337823729 instead of that merchant’s familiar name.
How to Verify a 18337823729 Charge
- Copy the complete descriptor exactly as it appears.
- Record the amount, transaction date, posting date, and whether it is pending or completed.
- Open the official Zip app.
- Review active orders and scheduled payments.
- Compare the amount with each installment in the Zip account.
- Check completed and canceled Zip orders.
- Search email for Zip, Quadpay, AR3 LLC, installment, payment, order, and the exact amount.
- Review text messages and app notifications from Zip.
- Ask family members and other authorized card users.
- Check whether a purchase was made through a Zip virtual card.
- Ask the bank for the complete merchant name, merchant ID, telephone number, and recurring-payment indicator.
- Contact Zip through its current official support channels if no order matches.
How to Check Your Zip Payments
Use the official Zip sign-in page or the Zip app.
Review:
- Current orders
- Completed orders
- Upcoming payments
- Payment dates
- Original merchant names
- Installment amounts
- Payment methods
- Failed or retried payments
- Refunds and adjustments
Zip also allows customers to download or review order statements through its account tools.
Why Is the 18337823729 Charge Recurring?
A recurring-looking charge may be a sequence of scheduled installments rather than a traditional monthly subscription.
For example, one purchase may produce:
- An initial payment at checkout
- A second installment approximately two weeks later
- A third installment approximately four weeks after purchase
- A final installment approximately six weeks after purchase
The exact schedule depends on the Zip product and payment plan. Some products may involve two, four, eight, or another number of payments.
Compare every repeated amount with the order schedule before assuming the card was charged multiple times for separate purchases.
What Is the Recurring $40 AR3 LLC Charge?
One visitor to this page reported a recurring $40 debit-card charge and referred to it as AR3 LLC.
A $40 payment could represent:
- One installment from a larger Zip purchase
- A scheduled payment for an order divided into equal amounts
- A payment retry
- A second Zip order with the same installment amount
- An unauthorized transaction
The amount alone does not identify the retailer or order. Review the Zip payment schedule and ask Zip to match the date and amount with an account.
Why Are There Several 18337823729 or AR3 LLC Charges?
Several entries may represent:
- Multiple installments for one Zip purchase
- Installments for several different purchases
- A pending authorization and completed payment
- A failed payment followed by a successful retry
- Two Zip accounts using the same card
- Purchases made by another authorized cardholder
- A duplicate processing issue
- Unauthorized use of the card or Zip account
Match each transaction date and amount with the installment schedule. Do not assume equal amounts are duplicates until the pending entries have cleared.
Why Is the Charge Pending?
A pending Zip or AR3 LLC transaction may be a temporary authorization or an installment that has not fully posted.
The entry may:
- Become the completed installment
- Disappear if the payment fails
- Be replaced by a final transaction
- Be followed by a successful retry
Contact Zip or the card issuer promptly when the pending charge is unfamiliar, especially if you have never used Zip.
Why Did Zip Charge Me Twice?
Zip says an unsuccessful order attempt following a successful order can sometimes create what appears to be a duplicate card charge.
Two entries could also represent:
- A pending and completed transaction
- Two separate order attempts
- Two installment payments
- A manual payment and an automatic payment
- A merchant refund followed by rebilling
- A genuine duplicate charge
Review both transactions in the Zip app and wait for pending authorizations to clear. Contact Zip when two completed payments cannot be matched with the payment schedule.
How to Contact Zip About the Charge
- Official website: Zip United States
- Customer sign-in: Access your Zip account
- Help Center: Zip Help Center
- Contact page: Official Zip contact options
- Current customer-service number: 1-888-274-3159
- Telephone hours: Daily, 9 a.m. to 9 p.m. Eastern
- Messaging hours: Daily, 7 a.m. to 11 p.m. Eastern
- Current mailing address: Zip Inc., 228 Park Ave S, PMB 59872, New York, NY 10003-1502
Do not use 1-833-782-3729 as the preferred support number merely because it appears on an old statement. Use Zip’s current official website or 1-888-274-3159.
What Information Should I Give Zip?
Provide only the information necessary to identify the transaction:
- The transaction date
- The amount
- The complete statement descriptor
- The last four digits of the payment card
- The email address that may be connected with the Zip account
- Whether the entry is pending or completed
- Any matching Zip order number
Do not post or send complete card numbers, bank passwords, PINs, CVV security codes, or one-time login codes through an unverified contact channel.
What If I Never Used Zip or Quadpay?
If neither you nor another authorized cardholder has used Zip or Quadpay:
- Confirm whether the transaction is pending or completed.
- Check every email address for a Zip or Quadpay account.
- Ask household members and authorized card users.
- Contact Zip using its official support page.
- Provide the date, amount, and complete line-item description.
- Ask whether Zip can locate an account or order connected with the payment.
- Lock the card if additional unfamiliar transactions are appearing.
- Contact the issuer using the number printed on the card.
- Follow the issuer’s unauthorized-transaction process.
- Ask whether the card number should be replaced.
Zip has an official process for reporting payments or card use that a consumer did not authorize.
What If Someone Used My Card With Zip?
A person may have used the card to create or fund a Zip transaction without the cardholder’s permission.
Possible situations include:
- A household member used the card
- The card was saved in another person’s Zip account
- A compromised shopping account contained the saved card
- The card details were entered into a new Zip account
- A virtual card or digital wallet was involved
- The Zip account itself was accessed without permission
Report the activity to both Zip and the card issuer. Ask Zip to identify the original merchant and ask the issuer whether other attempted transactions are visible.
What If I Disputed a Legitimate AR3 LLC Charge by Mistake?
Some Zip customers disputed AR3 LLC payments because they did not recognize the descriptor. A dispute against a valid installment may cause Zip to restrict the associated account while the dispute is investigated.
If you later determine that the transaction was a valid Zip payment:
- Contact the bank and ask how to withdraw or reverse the dispute.
- Request written confirmation from the bank.
- Contact Zip’s dispute or support team.
- Provide the documentation Zip requests.
- Keep copies of every communication.
- Confirm that the installment and account status are corrected.
Do not withdraw a dispute unless you have independently verified that the transaction was authorized.
Can Zip Refund the Payment?
A refund for the underlying purchase generally begins with the original retailer. Zip may adjust the installment plan after it receives and processes the merchant’s refund.
To investigate a refund:
- Identify the original retailer in the Zip account.
- Review the retailer’s return and refund policy.
- Request the refund from the retailer.
- Save the return receipt and refund confirmation.
- Check the Zip account for an adjustment.
- Contact Zip if the retailer confirms a refund but the payment plan does not update.
Do not assume that disputing a Zip installment automatically cancels the original merchant purchase or every remaining installment.
Consumer Reports and Experiences
There is currently one visible cardholder report on this page.
- The visitor described a $40 recurring debit-card transaction.
- The visitor referred to the payment as AR3 LLC.
- The visitor said the telephone number no longer worked.
- The report did not identify the original retailer.
- The report did not confirm whether the visitor had used Zip or Quadpay.
- No final cancellation, refund, dispute, or merchant-support outcome was provided.
The report is consistent with the possibility of a Zip installment displaying AR3 LLC wording, but it does not independently prove which account, retailer, or order produced the payment.
Frequently Asked Questions About 18337823729 Charges
What is 18337823729 on my credit card?
It most likely refers to the historical telephone number 1-833-782-3729 associated with Quadpay and Zip Co US Inc. The charge may be a Zip installment payment.
What company used 833-782-3729?
Historical company-related records connected the number with Quadpay and Zip Co US Inc. Zip now publishes 1-888-274-3159 for current customer support.
Is 18337823729 the same as Quadpay?
The number was historically associated with Quadpay. Quadpay was later rebranded as Zip in the United States.
What is AR3 LLC on my bank statement?
AR3 LLC is part of the Zip corporate group and appeared in some Zip or Quadpay installment descriptors.
Why does my charge say AR3 LLC instead of Zip?
Zip acknowledged a January 2024 descriptor problem that changed some payments from ZIPCO and Quadpay wording to AR3 LLC* QUADPAY ANYWH.
Is AR3 LLC a real Zip company?
Zip’s corporate reports list AR3 LLC as a wholly owned U.S. subsidiary.
Why is the charge recurring?
It may be one of several scheduled Zip installments for an earlier purchase rather than an ordinary subscription.
Why is the same amount appearing every two weeks?
Many Zip payment plans divide a purchase into scheduled installments. Compare the amounts with the order’s payment schedule.
What is Zip’s current customer-service number?
Zip currently publishes 1-888-274-3159 for U.S. customer support.
Should I call 833-782-3729?
Use Zip’s current official contact page or 1-888-274-3159 instead. The 833 number is historical and may no longer provide current support.
What if I never used Zip?
Contact Zip and your card issuer promptly. Ask Zip to search for a matching transaction and follow the issuer’s unauthorized-payment procedure when no account explains it.
Should I dispute the charge?
First review all Zip and Quadpay accounts, installment schedules, email receipts, and authorized card users. Dispute the payment promptly when no authorized order explains it.
Related Charge Guides
- AR3 LLC and Quadpay Bank-Statement Charge
- 700 Nicollet Mall Sezzle Installment Charge
- How to Investigate an Unrecognized Card Charge
These guides cover the related AR3 LLC descriptor, another buy-now-pay-later service, and general unfamiliar-charge investigation. Their inclusion does not mean the companies or transactions are connected.
Help Other Cardholders Identify This Charge
If you saw 18337823729, 8337823729, 833-782-3729, AR3 LLC, AR3 LLC* QUADPAY ANYWH, ZIPCO, or another variation, please share what the payment involved.
Helpful details include the exact descriptor, general amount, original retailer, whether the charge matched a Zip installment, whether it repeated every two weeks, and how Zip or the card issuer resolved it.
Do not post complete card numbers, bank-account numbers, Zip account emails, order numbers, home addresses, passwords, PINs, CVV security codes, or one-time verification codes.
Why Rely on ChargeOnMyCard.com?
ChargeOnMyCard.com researches confusing credit-card, debit-card, telephone-number, buy-now-pay-later, installment-payment, payment-processor, and bank-statement descriptors using current official company resources, corporate records, transaction clues, descriptor variations, and visible cardholder reports.
When a payment platform’s former brand, subsidiary name, telephone number, or technical descriptor appears instead of the retailer a customer remembers, we explain the relationship and show readers how to verify the original transaction safely.
Last reviewed: July 2026.
Disclaimer
ChargeOnMyCard.com is not affiliated with Zip, Zip Co Limited, Zip Co US Inc, Quadpay, AR3 LLC, AR3 Holdco LLC, WebBank, any retailer, cardholder, bank, card network, payment processor, or financial institution. This article is for informational purposes only and is not financial, legal, lending, banking, installment-payment, refund, dispute, account-security, or fraud-prevention advice. Contact Zip, the original merchant, and your financial institution directly about a specific transaction.
