To use (the buy now, pay later service) with a virtual card, you can generate a single-use "piece" (virtual card) directly through the mobile app. This allows you to split your purchase into installments even at retailers that don't natively offer Zip at checkout. How to Generate a Zip Virtual Card

: Add the card to your Apple Pay or Google Wallet to tap and pay at the terminal. Key Details to Remember

: Use the app's browser to go to the retailer's site. When you reach the payment step, tap "Pay with Zip" at the bottom.

Use the browser in the Zip® app to create a virtual card when you're ready to pay. How do I use my physical Zip Card?

: The details may auto-fill, or you can manually copy and paste the card info into the retailer's credit card fields.

: Launch the Zip app and navigate to either the "Online" or "In-Store" tab. Request a Purchase :

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