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Do Mobile Wallets
Yourself.

BNPL DIY

Make contactless payments in physical retail stores, in apps and online.

 

Do wallets yourself with these apps.

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Apple Pay

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PayPal

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Google Pay

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Samsung Pay

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Pay with Venmo

Common questions about mobile wallets

How are virtual credit cards different from BNPL?

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Virtual cards are offered by BNPL providers when retailers don't already accept their form of payment. The order is run as a "card transaction" but you purchase is still paid back as a BNPL loan

What happens when I need to write or deposit a check?

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Since BNPL loans are only for a fixed amount, usually less than $600, the level of credit risk for providers is minimal (compared to credit lines that revolve). So, if you fail to repay your loan, the provider can cut their losses by simply not  lending to you again.

What happens when I need to deposit cash?

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Virtual cards are offered by BNPL providers when retailers don't accept their form of payment. Your order is processed as a "card transaction" at checkout but the purchase is still paid back as a BNPL loan with the provider.

If BNPL is interest-free, how do providers make money?

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The primary way BNPL providers make money is by charging retailers a fee for accepting their form of payment at checkout, which is usually larger than the fee that credit card issuers make on a card transaction.

How are virtual credit cards different from BNPL?

ic_expand_more_24px.png

Virtual cards are offered by BNPL providers when retailers don't already accept their form of payment. The order is run as a "card transaction" but you purchase is still paid back as a BNPL loan

How are virtual credit cards different from BNPL?

ic_expand_more_24px.png

Virtual cards are offered by BNPL providers when retailers don't already accept their form of payment. The order is run as a "card transaction" but you purchase is still paid back as a BNPL loan