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?

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!

Hey all,

I went to pay off my PayPal Pay-in-4 with a split between two cards, which I've done many times in the past, only to discover my cards were no longer showing as an option and I couldn't link them when re-added. Never had any problems with them in the past and I've used essentially all my cards at one point or another.

I contacted PayPal and they seem confused as to why it's not showing up since they said it's showing up on their end. Likewise, they told me Chase Bank credit cards should be showing up regardless as well and those weren't showing up as well.

I see some posts on their community forum dating back to 2021; anyone know why this might have happened? Anyone know a potential solution? PayPal offered to do the transaction over the phone but I get anxiety even just thinking about asking them to split my last purchase between two cards.