Watch This Space, page-1108

Sorry I'm Tina, but will do my best to explain.

Z1P are offering their customers virtual Visa cards, so you still need to go through the process of setting up Z1P account and having limits etc.

The obvious difference between that process and SPT's is SPT uses an existing CC (either Visa OR Mastercard) with no extra singup process. The other more key difference between SPT and all other BNPL, is the focus on consumers with existing CC rather then those without.

IMO DYOR etc etc