What methods of payment can I use for a Pay in 4 plan? November 12, 2019 16:05 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 Pre-qualify? Will pre-qualifying affect my credit? Does PayBright run a credit check on customers?