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PayPal
paypal.com › us › digital-wallet › ways-to-pay › buy-now-pay-later
Buy Now Pay Later | Pay in 4 | Pay Monthly | PayPal US
1 month ago - Use PayPal's Buy Now Pay Later App to pay at your favorite retailers. Select a Pay Later offer at checkout, Pay in 4 or Pay Monthly, for qualifying purchases.
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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
Pay in 4 lets you split purchases between $30-$1,500 into 4 interest-free payments. Available at checkout with PayPal, eligibility required.
Discussions

I want to use the Pay In 4 option, but don’t see anyway to generate the virtual card in app.
These are the instructions from a mod on the official forums... From the PayPal App, tap Pay Later on the menu tab, Tap Get Started, enter the amount (between $30 and $1500 USD) and click Continue, confirm your info and Agree and Apply. You'll then need to set up your Autopay repayment funding source and Agree and Continue. There you should see your Single-Use Card number if you've been approved. Once approved for a single-use card number, it will be available in your PayPal wallet for 24 hours and must be used within 24 hours of approval. If it expires, you have to apply for a new one. More on reddit.com
🌐 r/paypal
25
3
July 30, 2023
Any reason not to use Paypal pay in 4 or other similar instalment systems when you have the cash?
I use it alot and I don't need to, providing where I purchase doesn't charge me the paypal fees More on reddit.com
🌐 r/AusFinance
29
30
September 4, 2023
Pay-in-4 is an absolute joke.

Too many unsuccessful compared to successful payments using my PayPal account.

“Unsuccessful” transactions can mean transactions with problems. As in disputes and what not.

Declined is when the financial institution (bank, card issuer, PayPal, etc) rejects the transaction because insufficient funds, high risk or being over the limit, spotty payment history, etc.

Pay in 4 is a “credit” product in the sense that PayPal pays ahead to the seller immediately and then tap your funding source for the repayments later so if you have what they considered a checkered transactional history....they can decline to approve the purchase.

If you lack well funded linked accounts for you to use as source of repayment (including sufficiently and proficiently moving funds from savings to your checking to cover your purchases), that too affects your chances of approval.

More on reddit.com
🌐 r/paypal
41
43
January 6, 2020
PayPal Pay in 4 doesn't take the initial payment for up to a week
I have used PayPal pay in 4 a lot and it always takes the money instantly. How are you paying it? More on reddit.com
🌐 r/Afterpay
28
14
January 21, 2024
People also ask

What is PayPal Pay Later?
PayPal Pay Later gives you the option to settle your restaurant bill now but spread the cost over weeks or even months. PayPals Pay in 4 is an interest-free loan that lets you split your bill into four equal payments. The first payment is due at the time of the transaction. The subsequent three payments are due every 15 days thereafter.
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paypal.com
paypal.com › us › digital-wallet › ways-to-pay › buy-now-pay-later › restaurants
Eat Now, Pay Later | PayPal US
How can I use PayPal Pay Later at restaurants?
You can only use PayPal Pay Later when ordering through a restaurant’s app, if the restaurant accepts PayPal as a payment option. Select PayPal at checkout and choose the PayPal Pay Later option that works for you. Upon applying, you’ll get a decision in seconds. Availability depends on your state of residence. You must be over 18 and have a PayPal account in good standing, or open an account to apply.
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paypal.com
paypal.com › us › digital-wallet › ways-to-pay › buy-now-pay-later › restaurants
Eat Now, Pay Later | PayPal US
Does using PayPal Pay Later to buy food affect my credit score?
When applying for PayPal Pay Later solutions, a soft credit check may be needed, but will not affect your credit score. You must be 18 years old or older when applying for Pay Later.
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paypal.com
paypal.com › us › digital-wallet › ways-to-pay › buy-now-pay-later › restaurants
Eat Now, Pay Later | PayPal US
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Reddit
reddit.com › r/paypal › i want to use the pay in 4 option, but don’t see anyway to generate the virtual card in app.
r/paypal on Reddit: I want to use the Pay In 4 option, but don’t see anyway to generate the virtual card in app.
July 30, 2023 -

Pretty much exactly what I said above. It says I have almost a grand available to use. I’ve done the PayPal checkout route of using Pay in 4 in the past with no issues. However I wanted to use the virtual card option that’s advertised this time around. I’m just not seeing that as even being an option. Am I missing something? Or is that just not available to everyone? Waiting to hear back from PP customer service as well.

Top answer
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These are the instructions from a mod on the official forums... From the PayPal App, tap Pay Later on the menu tab, Tap Get Started, enter the amount (between $30 and $1500 USD) and click Continue, confirm your info and Agree and Apply. You'll then need to set up your Autopay repayment funding source and Agree and Continue. There you should see your Single-Use Card number if you've been approved. Once approved for a single-use card number, it will be available in your PayPal wallet for 24 hours and must be used within 24 hours of approval. If it expires, you have to apply for a new one.
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Abbreviations used in r/PayPal : NAD - Not as described. SNAD - Significantly not as described. INR - Item Not Received. UAT - Unauthorized transaction. OP - Original poster of the message. F&F - Friends and Family (no protection at all.) G&S - Goods and/or Services (has seller/buyer protection.) Posts about PayPal's policies will be removed. No more complaining about PayPal policy and their taking funds from your account for violations of rules. If you don't like the rules don't use PayPal. If you don't want to lose money, don't leave funds in your PayPal account. Simple as that. But these posts are often political or misleading. So no more posts on this subject! Thank you for submitting to r/PayPal , please make sure you have read the FAQ . If your account was created when you were younger than 18, then that is covered in the FAQ! Try contacting PayPal support using social media such as Facebook or Twitter as this works more often than telephoning. I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.
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Target
help.target.com › help › TargetGuestHelpArticleDetail
What is PayPal Pay in 4? - Help - Target
go to chat button go to minimized chat button · My Target.com Account · Free 2-day shipping on eligible items with $35+ orders* REDcard - save 5% & free shipping on most items see details · Registry · Weekly Ad · Target Circle Card · Gift Cards · Find Stores · Orders
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EBay
community.ebay.com › t5 › Ask-a-Mentor › How-Do-I-Use-Paypal-s-quot-Pay-In-4-quot-Feature-on-a-Buy-It-Now › td-p › 34938241
How Do I Use Paypal's "Pay In 4" Feature on a Buy ... - The eBay Community
February 13, 2025 - However, when I go to the link you posted above to "Manage Payments", under "Buying Preferences", it won't let me delete or change Paypal. I found a work around, however. In checkout, I can choose "Add Card", "Venmo" etc. as my payment method. I chose the "Paypal Credit" option (which is different than Pay in 4) but that takes you to the Paypal website, and I was able to switch to Pay In 4 (or other payments methods via Paypal) from that screen.
Find elsewhere
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PayPal
paypal.com › us › digital-wallet › ways-to-pay › buy-now-pay-later › restaurants
Eat Now, Pay Later | PayPal US
Check in advance that they accept PayPal, select PayPal when you want to pay your bill, and choose the PayPal Pay Later option that suits you. If you order food online or use an online ordering app in a restaurant, again, look for PayPal at checkout. Many online stores accept PayPal Pay in 4 alongside other forms of payment.
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Yahoo! Finance
finance.yahoo.com › news › paypal-pay-4-complete-guide-214604964.html
PayPal Pay in 4: A complete guide
October 10, 2024 - Read the loan agreement: PayPal will display the terms and conditions for the loan. Review the terms to ensure you understand what you’re signing up for. Get a decision: The decision process is automated, so you’ll know almost instantly if you’re approved for Pay in 4. Finish checking out: If you’re approved, you’ll be redirected to provide a payment method. Your chosen method will be used to pay for the down payment and three bi-weekly payments.
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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. Go to the Pay Later section. Click ...
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Microsoft
microsoft.com › en-au › store › b › paypal
Pay in 4 or Pay Monthly with PayPal & Microsoft Store
Choose to pay in 4 instalments. If approved, complete the purchase with Pay Later. Easily manage your purchases with automatic payments. Trust PayPal to help keep your transaction secure.
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PayPal
paypal.com › us › digital-wallet › ways-to-pay › buy-now-pay-later › online-shopping
Shop Online with Buy Now Pay Later | PayPal US
Pay in 4 is available to consumers upon approval for purchases of $30 to $1,500. Pay in 4 is currently not available to residents of MO or NV. Offer availability depends on the merchant and also may not be available for certain recurring, subscription services.
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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
To enable Buy Now Pay Later (Pay in 4) navigate to your PayPal Checkout settings by going to Settings > Payments > Payment Methods > PayPal Checkout. At the bottom of the settings panel is a setting to enable Pay in 4. Use this setting to display ...
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U.S. News
money.usnews.com › home › personal loans
Everything You Need to Know About PayPal Pay in 4 | Personal Loans | U.S. News
January 28, 2025 - If you've shopped online at Apple, Best Buy or another major retailer, you may have seen the option to select PayPal Pay in 4 at checkout. Pay in 4 is PayPal's buy now, pay later service that lets you spread out the cost of an online purchase over about six weeks.
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PayPal
paypal.com › us › digital-wallet › ways-to-pay › buy-now-pay-later › pay-later-in-store
PayPal Pay Later in Store | PayPal US
Choose Pay Later in store for flexible payments at checkout. Apply in the PayPal app, add your virtual card to Apple or Google Wallet, and pay.
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JB Hi-Fi
jbhifi.com.au › pages › help-and-support › paypal-pay-in-4
Do you accept PayPal Pay in 4? - Help & Support
JB Hi-Fi is Australia's largest home entertainment retailer with top products, great quality + value. Learn more about our product range online.
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Stax Payments
staxpayments.com › home › payment processing › everything you need to know about paypal buy now pay later [aka paypal pay later]
PayPal Buy Now Pay Later: What You Should Know
February 4, 2025 - Remember to enable PayPal Pay Later’s dynamic messaging so customers can be notified of promotional offers when they browse your store. ... Choosing PayPal as your payment method at checkout. Selecting the payment option (Pay in 4 or Pay Monthly) ...
Price   $$
Address   618 E South St Suite 510, 32801, Orlando
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PayPal
paypal.com › credit-presentment › lander › modal
Pay in 4 interest-free payments
Transfer money online in seconds with PayPal money transfer. All you need is an email address.
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PayPal
paypal.com › us › digital-wallet › ways-to-pay › checkout-with-paypal
Pay with PayPal | Shop Online and In-Store | PayPal US
You can earn cash back on your favorite brands by saving offers and checking out in the PayPal app.8 Use the PayPal Cashback Mastercard® to earn an unlimited 3% cash back on PayPal purchases.5 Or collect, earn, and redeem rewards with your other eligible credit cards.9 You also get flexibility to spread out your payments for up to 24 months with Pay Monthly.2 · Pay with PayPal online or in person with millions of the world’s most popular brands. Look for the PayPal option when you check out online. Or use your PayPal Debit Card3 or PayPal Cashback Mastercard®5 wherever Mastercard is accepted. Pay in 4 and Pay Monthly options are great ways to make purchases more manageable by allowing for biweekly or monthly payments over time without late fees.1,2