What methods of payment can I use for a Pay in 4 plan? October 23, 2020 16:08 Updated For Pay in 4 purchases, you must use a credit card (Visa or MasterCard). Prepaid credit cards are not accepted. Related articles When is my first payment due for a Pay in 4 plan? Will there be a credit check for a Pay in 4 transaction? How can I Prequalify? Will pre-qualifying affect my credit? Does PayBright run a credit check on customers?