PayPal
paypal.com › ca › digital-wallet › ways-to-pay › buy-now-pay-later
Buy Now Pay Later | Pay in 4 | PayPal CA
Pay in 4 will appear as a payment method for shopping cart values between $30 and $1,500 when you check out with PayPal.
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.
How can I pay with Pay in 4?
You can shop online with Pay in 4 just about everywhere PayPal is accepted.
Pay in 4 will appear as a payment method for shopping cart values between $30 and $1,500 when you check out with PayPal.
You must be a Canadian resident and at least the age of majority in the province or territory in which you reside and hold a PayPal account in good standing or open a PayPal account to apply.
Pay in 4 is not available for certain merchants and goods and may not be available for certain recurring subscription services.
paypal.com
paypal.com › ca › digital-wallet › ways-to-pay › buy-now-pay-later
Buy Now Pay Later | Pay in 4 | PayPal CA
How do refunds work with Pay in 4?
When a customer returns something they purchased with Pay in 4, we use our standard refund process and we’ll provide a credit to the customer.
paypal.com
paypal.com › ca › business › accept-payments › installment-payments
Installment Payments with PayPal Pay in 4 | PayPal CA
I have a business - how can I get Pay in 4?
Pay in 4 is not available for use by business customers. But, as a business, you may be able to offer our buy now pay later solution to your customers.
paypal.com
paypal.com › ca › digital-wallet › ways-to-pay › buy-now-pay-later
Buy Now Pay Later | Pay in 4 | PayPal CA
Videos
01:01
PayPal Pay Later: How to Get Started - YouTube
01:22
PayPal Pay Later: How to Set up, Use, and Manage - YouTube
02:23
How to Pay in 4 With PayPal (2024) - PayPal Buy Now Pay Later - ...
Shopping smart without the stress @paypalau #ad ...
Mum's Brilliant Advice on PayPal Pay in 4: Shop Now, Pay Later
00:48
PayPal Pay Later: How to Make Payments - YouTube
Digital Commerce 360
digitalcommerce360.com › home › paypal launches ‘pay in 4’ service in canada with home depot, sephora as early users
PayPal launches 'Pay in 4' service in Canada with Home Depot, Sephora as early users
2 weeks ago - PayPal Pay in 4 will split purchases into four payments for shoppers, who can manage options through PayPal's app or website.
PayPal pay in 4, how does it work?
You can select any payment method (including credit card), which is charged 1/4 immediately, and then 3 more 1/4 charges over 6 weeks. More on reddit.com
59
8
3 weeks agoIs it a good idea for me to use PayPal's pay-in-4 system?
This question gets asked about once per day in this sub. On paper, there is no catch to the financing. In reality, you are more incentivized to make the purchase than you would have been otherwise. If you have strong enough purchasing discipline to truly not have the free financing affect your decision, then yes on paper you can come out ahead through interest arbitrage. Many people do not, however, and BNPL can become a way to dig a very deep hole. More on reddit.com
22
0
July 21, 2025PayPal’s “pay in 4” has seriously saved me many times
Honestly, I don’t know why people are shaming you for this. I think it’s a great option! 0% interest and automatic payments. I was having a conversation with my husband yesterday that I honestly am a fan of these “spread your payment’s out with no fee places” it’s much better than putting it on a credit card. And also you are handling your finances! Don’t let anyone tell you you’re not allowed to make a purchase that’s spread out, just keep managing it, like you are! More on reddit.com
59
289
September 6, 2023Any 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
29
30
September 4, 2023PayPal Newsroom
newsroom.paypal-corp.com › 2025-11-10-PayPal-Brings-No-Fee-Buy-Now-Pay-Later-Offering-to-Canada
Press Release: PayPal Brings No-Fee Buy Now Pay Later Offering to Canada - Nov 10, 2025
November 10, 2025 - With PayPal Pay in 4, there are no late fees, sign-up fees, or hidden costs—just predictable installment payments that make holiday shopping less stressful and more manageable. Eligible PayPal Pay in 4 purchases are covered by PayPal's Purchase Protection2, bringing peace of mind to online shopping—whether purchases don't show up, or aren't quite as described.
PayPal
paypal.com › ca › business › accept-payments › installment-payments
Installment Payments with PayPal Pay in 4 | PayPal CA
Pay in 4 costs 4.90% + a fixed fee per Pay in 4 transaction. Review the PayPal merchant pricing page to learn more.
PayPal
paypal.com › ca › home
Pay, Send & Save Money | PayPal Digital Wallet | PayPal CA
Pay in 4 with no interest and no late fees.
The Paypers
thepaypers.com › payments › news › paypal-launches-pay-in-4-in-canada
PayPal launches Pay in 4 in Canada | The Paypers
November 10, 2025 - PayPal has launched Pay in 4, a no-interest, no-fee BNPL service, in Canada as the holiday season is approaching.
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.
PayPal
paypal.com › us › cshelp › article › questions-about-pay-in-4-repayments---help1099
Pay in 4 Repayments: How to Manage and Track | PayPal US
To manage Pay in 4 repayments, make payments via bank, debit, or credit card. View amounts owed and repayment schedules in your PayPal account under Pay Later.
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
Small Business Trends
smallbiztrends.com › paypal-launches-no-fee-pay-in-4-option-for-holiday-shoppers-in-canada
PayPal Launches No-Fee "Pay in 4" Option for Holiday Shoppers in Canada
3 weeks ago - This holiday season, Canadian consumers will have a new way to shop—PayPal Pay in 4. This buy now, pay later (BNPL) option offers users the ability to split their purchases into four equal, interest-free payments, all without additional fees.
PayPal
paypal.com › au › cshelp › article › what-is-pay-in-4-help463
What is Pay in 4? | PayPal AU
Your PayPal Pay in 4 Facility is a continuing credit contract between you and us. For each purchase, you are required to make your 4 instalments over 3 consecutive 2-week cycles. Your first instalment is due the day you make your purchase.
Reddit
reddit.com › r/creditcards › paypal pay in 4, how does it work?
r/CreditCards on Reddit: PayPal pay in 4, how does it work?
3 weeks ago -
PayPal is running a special with 20% back when using their Pay in 4 option. So for example, I buy something for $600, am I billed $150 or they deduct $150 from my bank account associated with them every two weeks? Or do they put the $150 on my PayPal Credit card on a every two week schedule and I pay it on my own? Getting $120 back seems like a good deal so I want to make sure I am using this option correctly without paying interests. Thanks!
Top answer 1 of 13
5
You can select any payment method (including credit card), which is charged 1/4 immediately, and then 3 more 1/4 charges over 6 weeks.
2 of 13
5
I bought a paper shredder from Home Depot using this deal. Make sure you have saved the offer to your PayPal account and make sure when getting ready to purchase it has the PayPal "Pay in 4" as an option. As mentioned, you'll pay 1/4 of the total at purchase time and then 1/4 every 2 weeks three times. It defaults to whatever your default PayPal payment method is but you can change it to another one of your payment types before you purchase. It's autopay. Yes, this is a good deal and I'm surprised there isn't more buzz about it.
Reddit
reddit.com › r/personalfinance › is it a good idea for me to use paypal's pay-in-4 system?
r/personalfinance on Reddit: Is it a good idea for me to use PayPal's pay-in-4 system?
July 21, 2025 -
UPDATE: It seems like this was just no-strings-attached free money, except after a few weeks, I went to use pay in 4 and they tried to charge me. I stopped using it then, but I can definitely see how someone might have developed a habit and could now be stuck in a predatory situation.
Title. PayPal's pay-in-4 system was pushed to me recently, and it seems like a good deal to me--an interest-free, short-term loan over the course of two months. I don't see any gotchas in the fine print (e.g., "it's free now but we'll charge you later"). It seems like I should pay for everything I can through this system--an interest-free loan sounds pretty great. I'm not worried that I'll overspend--I've had a credit card for several years and have not paid a dime of interest on it. Is it a good financial decision for me to use this system?
USA, Washington State.
Top answer 1 of 5
28
This question gets asked about once per day in this sub. On paper, there is no catch to the financing. In reality, you are more incentivized to make the purchase than you would have been otherwise. If you have strong enough purchasing discipline to truly not have the free financing affect your decision, then yes on paper you can come out ahead through interest arbitrage. Many people do not, however, and BNPL can become a way to dig a very deep hole.
2 of 5
20
If you don’t screw up, there isn’t a real downside, but there isn’t really much of an upside either. Say you spread a $200 purchase over 2 months and kept the cash in a HYSA at 4%. ($100 x 4% / 6) = $0.67 of interest.
Reddit
reddit.com › r/povertyfinance › paypal’s “pay in 4” has seriously saved me many times
r/povertyfinance on Reddit: PayPal’s “pay in 4” has seriously saved me many times
September 6, 2023 -
LPT: PayPal’s “pay in 4” has seriously saved me many times
PayPal’s option to “pay in 4” has got me out of quite a few sticky situations. My credit is not great, but I am approved for every time I “apply” for this option when paying online. I get paid biweekly, so after bills if I do not have the means to make a big purchase (most recent example: four new tires) I can make four even payments over four months that has zero interest and does not affect my credit. (I’m making 4 payments of $240 as opposed to a lump sum of $960).
Highly recommended for anyone with a PayPal account who is struggling to make a necessary purchase.
If there are cons to this, please let me know!! I’ve done so much research and cannot find any negative feedback.
Top answer 1 of 5
164
Honestly, I don’t know why people are shaming you for this. I think it’s a great option! 0% interest and automatic payments. I was having a conversation with my husband yesterday that I honestly am a fan of these “spread your payment’s out with no fee places” it’s much better than putting it on a credit card. And also you are handling your finances! Don’t let anyone tell you you’re not allowed to make a purchase that’s spread out, just keep managing it, like you are!
2 of 5
54
As long as it's zero interest it's not the worst thing. I genuinely hate these companies doing micro loans. As soon as affirm showed a bunch of success, other companies started coming out of the woodwork. My general rule of thumb I tell people is if you don't have the money readily available don't buy it. I've used it once because a credit card I have offered extra points if you utilized it when they started doing it, so you put it on the card and then break the charge out over equal payments at 0% so my thinking was "sweet, free points" but if you're putting day to day charges on it then you still have to make those minimum monthly's on that financed charge and pay off your CC. So it can get risky. I knew a buddy who screwed himself financially because he looked at it as a cheaper way to buy dumb shit. "Oh I don't have $1k right now for this thing, but, I can pay $X a month and be good" and it spiraled out of control. And that's exactly why I despise these things because it allows people to think like that and it can be financially detrimental if you're not smart.
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 always interest-free, with no late fees or sign-up fees.
PayPal
paypal.com › us › cshelp › article › questions-about-pay-in-4-applications-help464
Questions about Pay in 4 applications | PayPal US
You must still apply and be approved for Pay in 4 during checkout.
Yahoo! Finance
finance.yahoo.com › news › paypal-pay-4-complete-guide-214604964.html
PayPal Pay in 4: A complete guide
October 10, 2024 - It gives you the option to split certain PayPal purchases into four equal, interest-free payments over a period of six weeks. Pay in 4 is a widely available financing option that’s accepted by millions of online retailers worldwide, from small ...
PayPal
paypal.com › au › webapps › mpp › paypal-payin4 › terms
PayPal Pay in 4 Facility Agreement | PayPal AU
PayPal Pay in 4 allows you to pay in interest-free instalments for eligible purchases made using your PayPal account. Read the terms & conditions here.
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.