Platform Constraints: Web checkouts let you combine a promo code, up to three gift cards, and one credit card. However, digital wallets like Apple Pay or PayPal cannot be used to split a balance with any other card type. Financing Terms: Klarna and Afterpay split your balance into 4 interest-free installments. Klarna orders must fall strictly between $35 and $2,500 to qualify. Boutique Payments: Retail and outlet storefronts accept physical cash, credit cards, and mobile phone taps. Returning any item originally bought with an online gift card means your refund will issue back onto a digital store credit voucher.