Abstract: A system, method, apparatus, and computer program product for fraud-resistant electronic processing of a rent-to-own lease transaction are disclosed. A method may include receiving a lease application including customer information and an indication of an item to be purchased in a brick and mortar store. The method may further include determining, based on the customer information and the indication of the item, a lease amount for which the customer is eligible. The method may additionally include providing a lease offer generated based on the lease amount to a mobile communication device associated with the customer. The method may also include receiving an electronic acceptance of the lease offer. The method may further include generating a virtual payment card for at least a portion of the lease amount that is usable for purchase of the item in the store and providing the virtual payment card to the mobile communication device.