This has been such a huge stick in the mud for me! A lot of my orders are oversees and over 100€ … PayPal tells me I should be good for orders up to $1,500 and I’ve used the “pay in 4” feature twice and it worked perfect and I was super stoked… the next time I tried and the option never came up for “pay in 4” so I felt forced to pay in full because I didn’t want to back out of the sale (I took it as a fluke) ……But then I tried again and the exact same thing happened,(the option wasn’t there) so once again I felt forced to pay in full. I just wish there was some way to know beforehand because some of these records I would only buy because of that PayPal feature.
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What stores accept PayPal Pay in 4?
Online stores compatible with PayPal have access to PayPal Pay in 4. While there's no central list of businesses offering this service, you should be able to quickly identify if an online retailer offers PayPal during the checkout process.
Can a request for PayPal Pay in 4 be denied?
Yes. When you request PayPal Pay in 4 as a customer, PayPal runs a soft credit check to determine if you're eligible for financing. If your credit score is deemed too low to qualify for PayPal Pay in 4, your application will be denied.
Can PayPal's Pay in 4 be used outside the US?
Currently, PayPal Pay in 4 is a product based in the US. However, PayPal has other BNPL services available in overseas jurisdictions. In the UK, consumers have access to PayPal Pay in 3, which offers PayPal users the ability to split transactions of up to £2,000 over three installment payments.[footnote]PayPal. "Buy now and pay later with Pay in 3". Accessed December 6, 2025.[/footnote]
Is the $1500 limit the total for all my pay in 4 plans? Or does it mean I can buy as many $1500 pay in 4's as I want? Thank you!
When I looked up "how to check your maximum pay limit on paypal" it gave me instructions that don't work, those would be: " Log in to your PayPal account. Click My Account at the top of the page. On the Overview page, click View limits next to your PayPal balance. Click Lift Limits. "
I went to my account and besides there being no overview page (There was one called "account" so I assume thats overview), there is no "View Limits" or even my paypal balance, how do I check and or change my limit?
since pay in 4 can be used for purchases $30 - $1,500 USD, am i correct to assume that my $1,500 “prequalified amount” is per purchase? or $1,500 that i’m prequalified for in total?
does paypal show an overall limit for pay in 4 users to be able to spend?
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