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Reddit
reddit.com › r/paypal › can't use pay-in-4 anymore
r/paypal on Reddit: Can't use pay-in-4 anymore
November 2, 2023 -

I pretty much only use paypal for the pay-in-4 feature, usually to buy airsoft stuff or trinkets on Etsy. Long story short I had to cover a family member's car payment and that resulted in me not being able to pay $23 for my final pay-in-4 plan at that time until a week later when my next pay check came in, that was a few weeks ago and today I tried to use pay-in-4 again and was declined and now the option doesn't even appear at checkout anymore.
So am I like blacklisted from using it for being a week late on a $23 payment? And will I ever be able to use it again?

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PayPal
paypal.com › us › cshelp › article › questions-about-pay-in-4-repayments---help1099
Pay in 4 Repayments: How to Manage and Track | PayPal US
Your PayPal balance can only be used for one-time repayments that you initiate through the PayPal app, PayPal website, or with a member of our customer service team. You can’t use your PayPal balance for automatic payments. ... Log into your PayPal account.
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PayPal
paypal.com › us › cshelp › article › what-is-pay-in-4-help463
Pay in 4: Split Purchases into 4 Payments | PayPal US
Your Pay in 4 loan lasts a little over 6 weeks in total. The down payment is due at the time of the transaction and 3 subsequent repayments will be taken by autopay every 2 weeks thereafter. Transactions can be made in all currencies that PayPal supports, not just US Dollars (USD).
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JustAnswer
justanswer.com › software › qkkhk-i-m-trying-paypal-payment-payments-it-s-not.html
I’m trying to make a PayPal payment in 4 payments n it’s not working. I I can’t use this method. I only have 2 payments
Are you using the PayPal app or a web browser to make the payment? Customer: trying to pay it in the online order through Kmart Technician's Assistant: Thanks for letting me know. Have you tried using a different device or browser to see if that helps? Customer: yes Technician's Assistant: OK. Thanks for the info. The Expert can help with your payment in 4 issue.
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PayPal Community
paypal-community.com › t5 › Products-Services › Pay-in-4-Not-showing-up-anymore › td-p › 2463387
Solved: Pay in 4 Not showing up anymore - PayPal Community
PayPal puts your account through ... the checkout system and displays according to availability based on those checks. Sometimes Pay in 4 may not be available on certain goods and/or merchants....
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EBay
community.ebay.com › t5 › Ask-a-Mentor › Can-t-use-PayPal-Pay-in-4-Option-Anymore › td-p › 34400306
Can't use PayPal Pay in 4 Option Anymore? - The eBay Community
April 10, 2024 - What some have done to fix this, is to remove PayPal as an option to pay with in eBay, and this will allow it to reset so you get the choices back.
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PayPal Community
paypal-community.com › t5 › Products-Services-Archives › Pay-in-4-no-longer-an-option › td-p › 3033639
Pay-in-4 no longer an option?? - PayPal Community
The system does internal checks and computes an internal scoring to determine to approve app or not. Maybe you were leaning on Pay in 4 too much, having multiple loans out and seem “suspicious” because you kept trying over and over to get Pay in 4 to appear or doing some manipulation with ...
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Discogs
discogs.com › forum › thread › 1033879
Discogs Forum - Why can't I use PayPal's Pay In 4?
Keep in mind, not all goods and services are eligible. If for some reason the items in your cart are not eligible for Pay in 4, the offer will not be available. If your application gets declined, you can still use PayPal to check out securely with other payment methods in your wallet.
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EBay
community.ebay.com › t5 › Buying › PayPal-Pay-in-4-No-longer-an-option › td-p › 34388950
PayPal Pay in 4 No longer an option? - The eBay Community
September 12, 2024 - Pay in 4 is NOT always an option. You need to look in PayPal to see the how/when/why that option may or may not be available to you. If you are prompted to fill out a form PRIOR to making an offer, your payment options will be limited.
Find elsewhere
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Knowledge Center
support.americommerce.com › hc › en-us › articles › 360057133794-PayPal-Buy-Now-Pay-Later-Pay-in-4
PayPal Buy Now, Pay Later (Pay in 4) – Knowledge Center
In order to offer Pay in 4, you must have PayPal Checkout activated on your online store. PayPal Checkout can be enabled in AmeriCommerce Apps & Addons:
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BitKan
bitkan.com › learn › how-many-pay-in-4-can-you-have-with-paypal-does-pay-in-4-have-a-limit-8635
How Many Pay In 4 Can You Have With PayPal? Does Pay In 4 Have A Limit?
You can even have multiple Pay in 4 plans running concurrently. According to the PayPal website, you can select a new Pay in 4 plan as long as you see the option for Pay in 4 at checkout.
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SolidTrustPay
solidtrustpay.com › home › paypal pay in 4 not working in 2023: reasons & solutions
Why Can't I Use Paypal Pay in 4: Solutions for 2023
September 15, 2023 - The PayPal Pay in 4 feature isn’t available to all users of this payment system. Your eligibility for PayPal Pay in 4 depends on various factors, including creditworthiness and transaction history.
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EBay
community.ebay.com › t5 › Payments › PayPal-Pay-in-4-option-gone › td-p › 34178001
PayPal Pay in 4 option gone - The eBay Community
May 20, 2024 - But, of course [this is eBay], they are implementing this at random, so neither sellers nor buyers can opt in to this [unexpectedly and unprecedented] logical approach. If that approach is expanded to offers as well as auctions, it would mean that buyers could pay proactively for their offers, if accepted, and would then be able to use PayPal Credit, or Pay-in-Four, in addition to being able to combine shipping.
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One Designs
onedesigns.com › topics › general › paypal pay in 4 limit explained((1(855) 848-0127))
PayPal Pay in 4 Limit Explained((1(855) 848-0127)) — One Designs Support Forums
July 25, 2025 - Instead, limits are determined per transaction based on various factors: • Your credit profile • Purchase amount • Your PayPal account history • Payment history with past Pay in 4 loans To check if you’re eligible for a specific purchase: 1. Proceed to checkout using PayPal. 2. If Pay in 4 appears as a payment option, you’re eligible for that specific amount. 3. You can manage your active and completed Pay in 4 plans in your PayPal Wallet under “Pay Later”. Why Is PayPal Not Letting Me Use Pay in 4?
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PayPal
paypal.com › us › cshelp › article › questions-about-pay-in-4-applications-help464
Questions about Pay in 4 applications | PayPal US
If you would like to better understand why you may have been declined and potential ways to increase future eligibility after reviewing your secure message center notification, visit What are some things I can do that impact my Pay Later eligibility?. If you received a preapproved loan offer for Pay in 4, you may still be declined if you no longer meet the criteria used to select you or the offer, give info we can’t match, and other reasons.
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TinyGrab
tinygrab.com › home › why can’t i use paypal pay in 4?
Why can't I use PayPal Pay in 4? - TinyGrab
March 6, 2024 - At its core, the reason you can’t use PayPal Pay in 4 often stems from eligibility criteria, transaction specifics, or account standing. PayPal, like any lending service, has specific requirements you need to meet.
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PayPal
paypal.com › au › cshelp › article › questions-about-pay-in-4-repayments-help1099
Questions about Pay in 4 repayments | PayPal AU
Accepted repayment methods for Pay in 4 are debit card, credit card, and bank account linked to your PayPal account. Your PayPal balance can only be used for manual real-time repayments.