Platform Constraints: IKEA's website blocks foreign billing addresses. International cardholders must call customer service to order. Financing Terms: Afterpay splits totals into installments online and in-store. Larger zero-interest projects require applying for an official IKEA credit card. Warehouse Nuances: Registers take Apple Pay and Google Pay. Cash works at regular lines but is banned at "Plan & Order" studios. Personal checks are not accepted.