Buy now pay later virtual cards enable you to pay in 4 across many shopping sites with little to no limitations.
Splitting payments when you are shopping brings a lot of conveniences, especially when you need to set aside some funds for other projects.
When using many of the buy now pay later providers, you are limited to certain merchants that are directly integrated hence, causing a limit as to using your purchasing power.
To solve this issue and for you to be able to shop and pay later on many websites with no direct integration to a split payment provider you maintain an account with, some offer alternate methods that allow you to spread payments through their buy now pay later virtual cards that can be used to pay online and at a physical store through popular digital wallets.
Best Buy Now Pay Later Virtual Cards
Here below are the best pay in 4 virtual cards you can use to buy now and pay later at thousands of shopping sites:
Prime Visa Virtual Card
Limit
Varies
Interest
Varies
Credit Check
Soft
Tip: Amazon Prime Visa virtual card comes enabled with a buy now pay later add-on you can use anywhere with up to 5% cashback and 0% promo APR for spread payments up to 12 months.
There is a growing trend of credit cards with buy now pay later as part of the benefits enjoyed by cardholders, Citi Flex Pay is one popular name on this list.
It also extends to all Amazon Prime Visa cardholders with the tool immediately generating a buy now pay later virtual card which comes in the form of a Visa gift card that can be used for purchases once your application is approved.
The beauty of this account is that you can directly split payments online at thousands of stores that accept Amazon Pay, including popular retailers like Belkin, Cuup, Woot, LensDirect, and others.
For in-store spread payment shopping, there is a physical version but for immediate use, you can add the virtual card to your digital wallet to use anywhere Visa is accepted.
It is also one of the best cards for buy now pay later bills settlement with 2% cashback for gas station and commuting expenses, and at least 1% for every other purchase.
Similar to some of the other pay in 4 virtual cards on this list, it also has a physical version which will be available days after your approval.
This payment card is powered by Chase Bank and you may also qualify to enjoy post-purchase splitting through My Chase Plan, a buy now pay later that allows you to convert any eligible existing transaction into a payment plan after using the card.
It is also one of the best ways to pay Amazon monthly, thanks to its interest-free financing which you can enjoy for up to 12 months.
Affirm Virtual Card
Limit
$17,500
Interest
0%
Credit Check
Soft
Affirm is the default buy now pay later app for Amazon. It provides a virtual card solution that allows users to make purchases online and in-store where it is not directly accepted, with the option to split their payments into installments.
One of the key benefits of the Afirm virtual card is its flexibility. Users can pay for their purchases in full at the time of purchase or split their payments into equal installments over time. The number of installments and the frequency of payments can be customized to suit the user’s needs and budget.
The Affirm pay in 4 virtual card is also designed to be user-friendly. Users can access their virtual card through the Affirm app, where they can view their balance, and recent transactions, and manage their account settings. They can also set up automatic payments and reminders to stay on top of their spending.
Another advantage of the Afirm virtual card is that it offers rewards for using the card. Users can earn cashback on their purchases, which can be redeemed for future purchases or transferred to their bank account.
In addition to its flexibility and rewards program, the Afirm virtual card also offers added security features. The card generates a unique number for each transaction, which helps to protect against fraud and identity theft. Users can also set up alerts to be notified of any suspicious activity on their accounts.
The application process for the Afirm buy now pay later virtual card is also quick and easy. Users can apply for the card through the Affirm app and receive a decision within minutes.
Its pay in 4 virtual card is available to anyone with a valid ID and a bank account, making it accessible to a wide range of users.
In terms of fees, the Afirm virtual card charges a small fee for each installment payment, as well as interest on the outstanding balance. However, users can avoid these fees by paying for their purchases in full at the time of purchase.
PayPal Pay in 4 Virtual Card
Limit
$1,500
Interest
0%
Credit Check
Soft
You can now use your PayPal Pay in 4 credit on Amazon and other merchants that do not support it directly on their shopping portals to get items on payment plans, thanks to gateways like Abunda, its buy now pay later virtual card alongside the conventional gift card purchase method.
Its Pay-in-4 virtual card is a one-time valid payment tool that you can generate when you are logged in to your account.
This single-use buy now pay later virtual card can be utilized to pay in 4 at most retailers that accept Mastercard. It is valid for one purchase and cannot be used after 24 hours.
You can generate the PayPal Pay-in-4 virtual card when you want to make a payment by tapping the Pay Later tile on your dashboard and clicking your plan to see the details.
This buy now pay later virtual card gives you the freedom to pay where PayPal is not accepted hence, you do not need to bother about using it if the merchant where you want to make a purchase supports PayPal as one of its payment options since you can log in to access your Pay-in-4 purchasing power within that portal.
Kindly note that there is also a virtual card option you can get through the PayPal Honey browser extension. This type is a limited-use card as it can only be used for financing at select merchant portals.
You should opt for the version that you get through your app if you want to make payments at merchants you do not have much information about regarding their support for the version provided through the browser extension.
Klarna Virtual Card
Limit
Varies
Interest
0%
Credit Check
Soft
Klarna is a fintech company that offers a wide range of financial services, including online payments, credit products, and personal finance management tools with a huge presence on several shopping portals.
One of their popular offerings is the Klarna buy now pay later virtual card, which is a digital payment solution that allows users to make purchases online and in-store.
The Klarna buy now pay later virtual card works by generating unique payment details for each transaction, which can be used at any merchant that accepts Mastercard. This means that users don’t need to provide their actual credit or debit card information when making a purchase, which can help to protect against fraud and identity theft.
The buy now pays later virtual card can be accessed through the Klarna app, where users can view their balance, and recent transactions, and manage their account settings. They can also set up automatic payments and alerts to stay on top of their spending.
One of the key benefits of the Klarna buy now pay later virtual card is that it rides on the existing Klarna terms as it offers flexible payment options. You can choose to pay in full at the end of the month or spread the payments out over time. If you opt for the latter, you will be charged interest on the outstanding balance, but you can also set up a payment plan that works for your budget.
Another advantage of the Klarna pay in 4 virtual card is that it offers rewards for using the card. Users can earn cashback on their purchases, which can be redeemed for future purchases or transferred to their bank account.
The Klarna buy now pay later virtual card is also designed to be user-friendly and accessible. It’s available to anyone with a valid ID and a bank account, and the application process is quick and easy. You can apply for the buy now pay later virtual card through the Klarna app and receive a decision within minutes.
Zilch Pay in 4 Card
Limit
$1,500
Interest
0%
Credit Check
Soft
Zilch is one of the buy now pay later (BNPL) platforms that provides virtual cards to users, allowing them to make purchases with ease and flexibility.
The buy now pay later virtual card is a digital version of a credit card that can be used for online purchases and in-store transactions, with the added benefit of a BNPL repayment plan. This means that users can split the cost of their purchases into interest-free installments, making it an attractive option for those who prefer to spread out their payments over time.
One of the main benefits of Zilch’s pay in 4 virtual card is its ease of use. Once a user has been approved for a Zilch account, they can download the virtual card onto their smartphone and use it to make purchases online and in-store. The virtual card can be added to digital wallets such as Apple Pay and Google Pay, making it a convenient and secure option for mobile payments.
Zilch’s buy now pay later virtual card also offers users flexibility when it comes to repayment. The BNPL platform allows users to choose the length of their repayment plan, with options ranging from three to 12 months. This means that users can tailor their repayment schedule to their financial situation, making managing their cash flow easier and avoiding incurring high-interest charges.
Another key benefit of Zilch’s buy now pay later virtual card is that it offers interest-free payments. This means that users can spread out the cost of their purchases over time without having to worry about paying high-interest charges. This makes Zilch an attractive option for those who want to make larger purchases but don’t have the funds available upfront.
In addition, Zilch’s pay in 4 virtual card offers users transparency and control over their spending. The BNPL platform provides users with a clear breakdown of their payments and repayment schedule, making it easy to keep track of their spending and stay on top of their finances.
Users can also manage their accounts through the Zilch app, which allows them to view their balances, make payments, and track their spending.
Afterpay Virtual Card
Limit
$600
Interest
0%
Credit Check
Soft
The Afterpay buy now pay later virtual card is a convenient and flexible payment solution for anyone looking to make purchases online or in-store.
One of the key benefits of the Afterpay buy now pay later virtual card is its accessibility. The application process is quick and easy, with users able to apply for the card through the Afterpay app and receive a decision within seconds.
The buy now pay later virtual card is also available to anyone with a valid ID and a debit or credit card, making it an accessible payment solution for a wide range of users.
Once approved, users can use the buy now pay later virtual card to make purchases at any merchant that accepts Mastercard. They can choose to pay in full at the time of purchase or split their payments into four equal installments. The first payment is due at the time of purchase, with the remaining three payments due every two weeks.
Another advantage of the Afterpay virtual card is that it offers interest-free financing. This means that users can spread their payments out over time without incurring any interest charges. However, if they miss a payment or are late with a payment, they may be subject to fees and penalties.
The Afterpay virtual card also offers a rewards program, called Afterpay Rewards. Users can earn points for their purchases, which can be redeemed for discounts and other rewards. The program is free to join and offers users the opportunity to save money on their purchases.
In addition to its accessibility, interest-free financing, and rewards program, the Afterpay buy now pay later virtual card is also designed to be user-friendly.
Users can manage their pay in 4 virtual cards through the Afterpay app, where they can view their balance, upcoming payments, and recent transactions. They can also set up automatic payments and alerts to stay on top of their spending.
Sezzle Pay in 4 Card
Limit
Varies
Interest
0%
Credit Check
Soft
Sezzle also offers a buy now pay later virtual card to enable you to shop on many merchant portals that do not have direct integration to its service.
Its service is available at a variety of online retailers. It allows customers to make purchases and pay for them in four installments over the course of six weeks, with no interest or fees.
Sezzle also offers a pre-qualification process that allows customers to check their eligibility for financing without impacting their credit score.
One of the benefits of Sezzle is that it doesn’t require a credit check. This makes it a good option for people who have poor credit or no credit history. Sezzle also offers a variety of payment plans, including six or 12 installments for larger purchases.
Zip Virtual Card
Limit
$1, 000
Interest
0%
Credit Check
Soft
Zip is one of the split payment providers that offer buy now pay later virtual cards that can be used to shop across many shopping platforms.
Its service can be used at a variety of online and brick-and-mortar retailers. It allows customers to make purchases and pay for them in four installments over the course of six weeks. Zip charges a small fee for its services, but it doesn’t charge any interest.
One of the benefits of using Zip is that it offers a variety of payment plans. Customers can choose to make payments in four, six, or eight installments, depending on the size of the purchase. The platform also offers a “Buy Now, Pay Later” option, which allows customers to delay payment for up to 30 days.
Alternatively, if you will be shopping through your browser but not logged in to your Zip account, you can install the browser extension. This extension will activate the Zip logo when you visit a merchant that accepts Zip and with it, you can easily schedule pay-in-4 within the extension window.
When it comes to performing a credit check, Zip is not different from the other popular buy now pay later platforms as to help it determine your purchasing power, there is a soft check that happens which does not affect your credit history.
Perpay Virtual Card
Limit
$1,000
Interest
0%
Credit Check
None
Perpay is one of the buy now pay later virtual card providers that does not perform any credit inquiry before allowing you to access its services.
The platform relies entirely on your paycheck to determine your eligibility to be assigned purchasing power you can use for shopping.
Until its buy now pay later virtual card became available, the users were limited to buying items and spreading the costs of purchases through its marketplace.
With its pay in 4 virtual card, Perpay users are now able to enjoy split payment on platforms that accept Mastercard.
If you think you could qualify for some Perpay credit, it is worth adding that you can also grow your credit score by using the service as it frequently reports your repayments to popular credit bureaus that include Equifax, Experian, and TransUnion.
With up to $1,000 in shopping credits that you can spend on your favorite items and services, Perpay is surely worth considering.
Bread Pay Virtual Card
Limit
$1,000
Interest
0%
Credit Check
Soft
The Bread Pay buy now pay later virtual card is another financial tool you can use to spread the cost of your purchase at several merchant locations and online shopping websites.
This pay-in-4 service is provided by Bread Financial, a well-known financial service company with offerings that include loans, credit cards, and others.
While the payment option is available across several shopping sites like Wayfair, Newair, Leesa, and many others, the buy now pay later virtual card extends its reach.
If you currently have a Bread Financial account, it is easy to access this service since both are connected and in no time, you will be able to generate the pay in 4 virtual card you can use to shop at several places.
The maximum amount is limited to $1,000 but you can only use this option if the value of your cart is up to $50.
Acima Virtual Card
Limit
$4,000
Interest
0%
Credit Check
Soft
Acima provides lease-to-own options across hundreds of online stores as well as several locations offline.
You can directly use it online when you visit big players like Wayfair, PC Richard & Son, Curacao, and Priority Tire as well as in-store in a number of places like Big O Tires.
The company has been innovative in delivering alternative means to enable its customers to continue to use its service with little to no restrictions through options like its buy now pay later virtual card called LeasePay Card.
While the functionality to generate this pay in 4 virtual card is available when you are logged into the app, it provides a Chrome browser extension that you can install for generating this buy now pay later virtual card for spreading payments on eligible retailers’ websites conveniently.
Acima is an alternative financing option and you can use it at several places including being able to lease-to-own furniture items and handle tire purchases, among others.
Katapult Virtual Card
Limit
$3,500
Interest
0%
Credit Check
Soft
Katapult is another lease-to-own service provider that you can use at well-known shopping portals like Wayfair and Sears, including popular tires buy now pay later platforms like WheelsASAP and SimpleTire.
It offers you up to a credit limit of $3,500 that you can use to make payments across hundreds of online and offline merchant locations.
With its integration with Affirm, you can now opt for lease-to-own provided by Katapult when the Affirm buy now pay later option does not work for you.
With its browser extension and the Katapult Pay feature in its mobile application, you can now generate a buy now pay later virtual card you can use to make payments at ease when shopping online.
This single-use card is valid at select retailers but with major platforms like Amazon being accepted, it is definitely an option you should check out.
ViaBill Pay in 4 Card
Limit
$1,500
Interest
0%
Credit Check
Soft
ViaBill is another BNPL provider that offers buy now pay later virtual cards as one of their payment solutions.
The ViaBill buy now pay later virtual card allows users to make purchases online and in-store, with the option to split their payments into installments.
One of the key benefits of the ViaBill pay in 4 virtual card is its accessibility. The application process is quick and easy, with users able to apply for the card through the ViaBill website and receive a decision within seconds. The virtual card is also available to anyone with a valid ID and a bank account, making it an accessible payment solution for a wide range of users.
Once approved, users can use the ViaBill virtual card to make purchases at any merchant that accepts Visa. They can choose to pay in full at the time of purchase or split their payments into equal installments over time. The number of installments and the frequency of payments can be customized to suit the user’s needs and budget.
Another advantage of the ViaBill virtual card is that it offers interest-free financing. This means that users can spread their payments out over time without incurring any interest charges. However, if they miss a payment or are late with a payment, they may be subject to fees and penalties.
You can manage their virtual cards through the ViaBill website, where they can view their balance, upcoming payments, and recent transactions. They can also set up automatic payments and alerts to stay on top of their spending.
In terms of fees, the ViaBill virtual card charges a small fee for each installment payment, as well as fees for late or missed payments. However, users can avoid these fees by paying for their purchases in full at the time of purchase.
These buy now pay later virtual cards offered by many of the BNPL platforms are convenient and flexible payment solutions for anyone looking to make purchases online or in-store and pay in 4.
With most being interest-free, coming with rewards programs, and user-friendly interfaces to managing the cards, having them is a convenient way to do your shopping anywhere and pay back later.
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