Zipcar accepts major credit and debit cards (Visa, Mastercard, American Express, Discover). You may also use Apple Pay or Google Pay for the initial reservation, however, you must have a default credit or debit card on file for all other fees; including membership fees, tolls, and other trip-related expenses.
At this time, Zipcar does not accept prepaid cards of any kind, re-loadable or not. Zipcar also does not support buy now, pay later options such as Klarna or Affirm.