First time using pay in 4 for Target. My PayPal says it’s waiting for “authorization.” It’s been 4 days already, the first time payment has been taken out of my bank account. The items I “paid” for is still in my cart with no emails about a confirmation… do I still wait?

Hey guys. Ran into an issue on Target's website. I filled my cart with a few items and was getting ready to check out. When I switched to the PayPal payment method, I logged into PayPal as normal. It sent me back to Target where I tried to finalize the order or whatever. Got an error saying there was something wrong with my card despite using PayPal.

Would never go through. Check PayPal and there is a pre-authorization charge for a few hundred bucks despite never going through. Apparently, it looks like Target immediately takes the money when you switch over to the PayPal payment option.

PayPal won't do anything for 30 days. Talked to a Target representative who said it would be refunded in 5 hours, but it hasn't been. They canceled chat on me when I tried to find out how to prevent it from happening again. Talked to another who wasn't helpful since there is no order or anything like that.

So, pretty much there is no way to resolve this except wait and hope Target fixes it. It is crazy that they even take the money out before the order is actually placed. I would not use PayPal to buy anything on Target right now. There is really no way to get the money back besides to wait and hope it is returned.

Since it is a glitch/fault with Target's website, I think there should be a better way to deal with this though. Some people can't sit around and wait for 3 - 4 days or even 30 days for a few hundred bucks to be returned. If you don't want the headache, I'd recommend avoiding using PayPal as your payment method on Target's website.

Hope this helps someone else avoid a headache.

https://www.paypal.com/us/campaign/5-bnpl-offer-terms

PayPal limited the recent Pay in 4 promo to one eligible purchase per customer, moving away from the previous dollar limit. They will be honoring purchases made before this point under the old terms, according to the email.

I hope you all got your MS in! 😁

Full email below:

Hello Stanley

Thank you for being a part of our limited-time Buy Now Pay Later holiday promotion. We’re so happy you’ve been able to take advantage of it. You’ve reached the limit on this offer given our new terms, which can be found here.

Any eligible PayPal Pay Later transactions you made before today will receive the benefit of the original offer terms. You can check the status of any pending points in the rewards hub of the PayPal app.

During Black Friday and Cyber Monday, shop with PayPal Pay in 4 interest-free and with no fees. And you can check out other cash back offers in the PayPal app.

Thank you for being part of this promotion.

The PayPal Team

PayPal is running a special with 20% back when using their Pay in 4 option. So for example, I buy something for $600, am I billed $150 or they deduct $150 from my bank account associated with them every two weeks? Or do they put the $150 on my PayPal Credit card on a every two week schedule and I pay it on my own? Getting $120 back seems like a good deal so I want to make sure I am using this option correctly without paying interests. Thanks!

I have chase credit card and I have read that chase doesn't allow BNPL purchases. Any advices how to use pay in 4 promotion before the deadline?