Virtual card is the worse. What's the point of it when everytime you want to use it, your bank charges the full amount. Klarma is not like that. I'd something went wrong why would they just deny your request right then and there. And the virtual reps never know the answer. When you send an attachment they claim that they can't see what you see. Now I'm getting hit with a bank overdraft fee. And stuck with the product. Running go to Klarma