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.

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!