Can I get 3 Smart-pays without using a Zulily credit card? No. The 3 Smart-pays are offered exclusively for use with the Zulily credit card and QCard. Related articles What’s Smart-pay, and how does it work? I don't see a Smart-pay promotion on the site. Where did it go? Where can I find Smart-pay? What payment methods do you accept? How do I change my payment method?