What a headache! – Zip - Buy Now, Pay Later Review

I would follow all the steps to use this app...select a merchant, provide the amount of the purchase, agree to the 4 payments, paid the first of the 4 payments, they would issue me a virtual Visa for the approved for amount & when I would go to use the card it would be declined! The ONLY merchant this does not happen to is SHEIN, but they have option to select Zip Pay at checkout. It appears to be totally useless outside of merchants that list Zip as an option at checkout.
Review by MVP2020QPBS on Zip - Buy Now, Pay Later.