I’m not sure if this is useful for anyone, but I saw some older posts about it. I found out that if you hit remember my billing when adding your PayPal to Walmart pay in 4 will not pop up. You have to load PayPal without saving it.

This may be a walmart issue but since there isn't really a good place to post this elsewhere i'm posting here.

I often pre-order items through walmart's online store. Sometimes the total cost is high enough to warrant using Pay Pal's pay in 4 option. I've used this many times in the past, as recently as a month ago, but for some reason am no longer seeing that option.

Just figured i'd check and see if anyone had similar issues or had any idea what the problem could be.

My paypal account is in good standing and the total costs of my orders are over the $30 mark to qualify for pay in 4.

I like using the pay in four option. However, I noticed when I tried to make a purchase at Walmart using the pay in 4 app, it automatically forces you into curbside pickup. Does anyone happen to know a way that you can make a purchase instantly using pay in four and not have to wait all day for it or possibly even the next day? Does anyone know how this is done?

You would think that if you're trying to buy something with whatever payment method you're using, it should be instant like. Why should you have to wait for an associate to gather your items for you. You should be able to get it now just like cash or a credit card

Finally, the expected nerfing of the PayPal debit card begins!

Walmart.com and others like Target (discount store with MCC 5310) used to qualify for 5% cashback under groceries with PayPal debit card. However, they no longer qualify under the grocery category. Will check in store Walmart purchase today and update(I think in store still qualify as it uses different MCC which is eligible). Wholesale clubs (MCC 5300) are still eligible as of June 2025, but I expect this to nerf soon.

Please share your observations. Am currently looking for the best card for Walmart.com.

Edit: Walmart in-store purchase at self checkout - Both walmart pay and physical card still works for 5% back as of June 2025.

Edit2: Walmart need to come up with its own 5% card soon. Been long since the break up with C1. Can’t imagine how the biggest retailer in US has not been able to find a bank to partner and neither it is accepting Apple pay/google pay. I know there are some talks going between Walmart and Synchrony but not sure what’s the status.

Update:

Select Accounts: The PayPal 20% cashback offer is limited to one eligible purchase per customer who has not already completed an eligible purchase under this specific promotion.

Old Offer

PayPal is offering 20% cash back on Pay Later purchases for select accounts when you save the offer to your PayPal account. The promotion is valid for both online and in-store purchases until December 8.

Deal Instructions:

1. Open the PayPal app on your phone or visit the PayPal website.

2. Navigate to the 🔗PayPal Rewards section.

3. Look for the offer that states "20% cash back on pay later purchases with PayPal through 12/8."

4. Tap or click the "Save offer" button to activate it.

5. Use PayPal Pay Later at checkout to ensure eligibility.

Note: Eligibility may vary by account. After December 8, the offer reverts to 5% cash back from December 9 to December 31. A soft credit check may be required when applying for PayPal Pay Later, but it will not impact your credit score. You must be 18 years or older to apply.

I've been an eBay seller for about 15 years now and exclusively use PayPal through eBay but have never used the pay in 4 option before. I really have 2 questions, i got far enough in the checkout screen where the next click will complete the transaction but i don't see the cash back banner anywhere how do i know that it will be applied to my order?

Also to be clear this is interest fee correct? I suppose the cash back would be more than the interest but i don't use BNPL services because they have interest built into the cost and as I always have fluid funds from sales I don't have issues paying up front but as far as I can tell this is almost just "free" 20% back because the 4 payments dont appear to add any interest?

Thanks for the help!

I literally can’t figure this out

In preparation for Chase's next quarter 5% categories, does anyone know if you can use Wal-Mart Pay with PayPal added as the payment method for in-store purchases?

I know for sure it works when making purchases online but I can't find a recent data point for using it in-store. Last year it did not work and kept asking me to add a payment method when trying to scan the QR code.

Does anyone know how to successfully use pay in four to purchase something from Walmart. I've done it a few different times but every single time I tried to do it it always acts like I'm trying to do a curbside pickup order and they always tell me I have to wait several hours or till the next day to receive my item because it's not ready. Does anyone know how you can place an order and be able to pick it up right? When you show up right off the shelf? Do I have to pay for the item right in the store and pick pay in four so I can receive the item

Checking out with PayPal in Walmart is a bad idea. I recently got the PayPal Mastercard credit card because I thought I would get 3% back on Walmart orders (during quarters when my discover doesn’t give 5% back). The total was $4.02 when I had a regular credit card as payment method but it increased to $4.21 when I chose PayPal. I guess using paypal for security purposes is okay but in my case it defeats the purpose of the cash back reward.

Has anyone else notice this? There are so many glitches in the Walmart app and most of them involve increases in totals (like the Walmart cash rewards increasing totals rather than showing as a credit for example).

I wanted to know what stores / websites were excluded from the Paypal Pay in 4 earn 20% cash back until early December.

I am in need of a few items right now and would like to use pay in 4 to help me out until next pay day. I have used it on walmart.com before with zero issues. Now it won't even come up, is it not a payment offer anymore?

If not, I need to find a solution where it could work. Is it possible to purchase gift cards somewhere with pay in 4?

I want to create a new account and try to use Payment in 4.

Will it work for new accounts?

Also i heard its not being accepted right now, is this true?

I just saw the offer in my PayPal account. I didn't know if I had to pay with my PayPal account, PayPal debit or PayPal MC. I'd prefer to pay with my PayPal MC.

YES, Pay in 4 AND monthly payments (has interest) works for the 20% back. It's in the terms and conditions. No gift cards can't be done for cash back on any payment plan.