Many BNPL providers allow you to create a virtual card that you can add to your Apple Wallet or Google Pay. For most cards, you’ll have to download an app that you use to request a virtual card.
For example, with Zip Pay, you enter the amount of money you’re going to spend in-store in the app. Zip then performs a soft credit check and will approve or deny you for the loan. Afterwards, it will generate virtual card that you can use at checkout just like you would use Apple Pay.
While Zip has partnerships with thousands of brands, it also allows its users to use a loan just about anywhere. This means you can use the Zip virtual card to finance anything from paying off your dentist’s bill to buying a concert ticket, even if the service is not integrated as a payment method at the retailer you’re shopping at.
