Reddit
reddit.com › r/paypal › can't use pay-in-4 anymore
r/paypal on Reddit: Can't use pay-in-4 anymore
November 2, 2023 -
I pretty much only use paypal for the pay-in-4 feature, usually to buy airsoft stuff or trinkets on Etsy. Long story short I had to cover a family member's car payment and that resulted in me not being able to pay $23 for my final pay-in-4 plan at that time until a week later when my next pay check came in, that was a few weeks ago and today I tried to use pay-in-4 again and was declined and now the option doesn't even appear at checkout anymore.
So am I like blacklisted from using it for being a week late on a $23 payment? And will I ever be able to use it again?
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 - Pay in 4 is available to use at millions of online merchant sites where PayPal is accepted. Check out a list of some of the available brands here, search for your favorite brand, if available, save the deal, and create your own list. Transactions can be made in all currencies that PayPal supports, not just USD.
PayPal pay-in-4 & Credit scores - Money - Community
PayPal recently introduced a facility for paying in 4 instalments instead of immediately. There are NO extra charges or penalties involved. I have discovered that using this facility affects your credit score because each use involves a credit query on the provider. More on choice.community
2
August 19, 2025Can't use pay-in-4 anymore
So I’m confused because I was never late on a single payment and now am getting denied. 2 years of never missing a payment and now I’m denied More on reddit.com
18
6
November 2, 2023Suddenly can’t check out with pay in 4 anymore?
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. More on reddit.com
57
12
2 weeks agoPay in 4 Option no longer available - HELP!
Maybe wait a day or two? I made a "Pay in 4" purchase a couple days ago and then just made another one this morning. I just tried for my third "Pay in 4" purchase and it was still an option for me. More on reddit.com
5
0
3 weeks agoWho accepts PayPal Pay in 4?
Pay in 4 is available to use at millions of online merchant sites where PayPal is accepted. Check out a list of some of the available brands here, search for your favorite brand, if available, save the deal, and create your own list. Transactions can be made in all currencies that PayPal supports, not just USD. For transactions not in USD, PayPal will automatically convert the transaction amount to USD at checkout before you apply for Pay in 4.
paypal.com
paypal.com › us › digital-wallet › ways-to-pay › buy-now-pay-later
Buy Now Pay Later | Pay in 4 | Pay Monthly | PayPal US
Is a credit check required when applying for PayPal Pay Later offers?
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.
paypal.com
paypal.com › us › digital-wallet › ways-to-pay › buy-now-pay-later
Buy Now Pay Later | Pay in 4 | Pay Monthly | PayPal US
Does Pay in 4 or Pay Monthly charge interest and fees?
Pay in 4 is always interest-free, with no late fees or sign-up fees. With Pay Monthly, you will pay a fixed interest rate, which varies based on your credit, and you won't pay any late fees or sign-up fees.
paypal.com
paypal.com › us › digital-wallet › ways-to-pay › buy-now-pay-later
Buy Now Pay Later | Pay in 4 | Pay Monthly | PayPal US
PayPal
paypal.com › us › cshelp › article › what-is-pay-in-4-help463
Pay in 4: Split Purchases into 4 Payments | PayPal US
Your Pay in 4 loan lasts a little over 6 weeks in total. The down payment is due at the time of the transaction and 3 subsequent repayments will be taken by autopay every 2 weeks thereafter. Transactions can be made in all currencies that PayPal supports, not just US Dollars (USD).
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.
Facebook
facebook.com › groups › 1259237891135361 › posts › 2664108653981604
Anyone use pay in 4 PayPal? Never had a problem but ...
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LinkedIn
linkedin.com › pulse › paypal-pay-4-showing-up-reasons-why-what-do-sebastien-onutali-1khae
PayPal Pay In 4 Not Showing Up [Reasons Why And What ...
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Maropost Community
galaxy.maropost.com › neto by maropost
Add PayPal Pay in 4 to your Web Store - Maropost Community
2 weeks ago - Tip: More information on how you can Grow Your Business with PayPal can be found here. Features of PayPal Pay in 4 For Merchants: Eligibility All merchants except those in restricted categories Integration Included in the latest version of PayPal Checkout Javascript software development kit, or integrated through a partner…
JustAnswer
justanswer.com › software › qkkhk-i-m-trying-paypal-payment-payments-it-s-not.html
I’m trying to make a PayPal payment in 4 payments n it’s not working. I I can’t use this method. I only have 2 payments
November 13, 2024 - Are you using the PayPal app or a web browser to make the payment? Customer: trying to pay it in the online order through Kmart Technician's Assistant: Thanks for letting me know. Have you tried using a different device or browser to see if that helps? Customer: yes Technician's Assistant: OK. Thanks for the info. The Expert can help with your payment in 4 issue.
Webzeto
webzeto.com › home › saas › how to get approved for paypal pay in 4
How to Get Approved for PayPal Pay in 4 - Webzeto
July 24, 2025 - Your PayPal account must be in good standing to qualify for Pay in 4. If your account has been limited, suspended, or has unresolved issues, you may not be approved. Regularly using PayPal for transactions and maintaining a positive balance ...
PayPal
paypal.com › us › cshelp › article › questions-about-pay-in-4-applications-help464
Questions about Pay in 4 applications | PayPal US
If you would like to better understand why you may have been declined and potential ways to increase future eligibility after reviewing your secure message center notification, visit What are some things I can do that impact my Pay Later eligibility?. If you received a preapproved loan offer for Pay in 4, you may still be declined if you no longer meet the criteria used to select you or the offer, give info we can’t match, and other reasons.
PayPal Community
paypal-community.com › t5 › Products-Services-Archives › Pay-in-4-no-longer-an-option › td-p › 3033639
Pay-in-4 no longer an option?? - PayPal Community
The system does internal checks and computes an internal scoring to determine to approve app or not. Maybe you were leaning on Pay in 4 too much, having multiple loans out and seem “suspicious” because you kept trying over and over to get Pay in 4 to appear or doing some manipulation with ...
PayPal
paypal.com › au › cshelp › article › what-is-pay-in-4-help463
What is Pay in 4? | PayPal AU
Transactions can be made in all currencies that PayPal supports, not just Australian Dollars (AUD). For transactions not in AUD, PayPal will automatically convert the transaction amount to AUD at checkout before providing you with your Pay in 4 plan. Currency conversion charges will apply as set out in your PayPal User Agreement and our Combined Financial Services Guide and Product Disclosure Statement.
PayPal
paypal.com › au › cshelp › article › questions-about-pay-in-4-application-help464
Questions about Pay in 4 application | PayPal AU
The first time you look to use Pay in 4, you will be asked to provide details of your household, your income and whether you have any other BNPL accounts. In addition to this, we are required to complete a credit check with a credit reporting body (CRB). This is a new requirement for all providers ...
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 - Users have to be at least 18 years old and hold a PayPal account in good standing or be willing to open one. This service is offered in every state except for Missouri and Nevada.
PaymentCloud
paymentcloudinc.com › blog › ecommerce › what is paypal pay in 4 & how does it work? a 2025 review
Paypal Pay in 4 | Full Review of PayPal's Buy Now Pay Later
February 7, 2025 - An upper limit on purchases: PayPal Pay in 4 doesn’t support purchases over $1,500, making it unsuitable for large purchases. PayPal users only: Only PayPal users and PayPal merchants can access this benefit.
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
In order to offer Pay in 4, you must have PayPal Checkout activated on your online store. PayPal Checkout can be enabled in AmeriCommerce Apps & Addons:
Facebook
facebook.com › groups › canberracommunitynoticeboardgroup › posts › 2430868773935824
Just curious,does anyone that uses PayPal pay in 4 have ...
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Choice
choice.community › money
PayPal pay-in-4 & Credit scores - Money - Community
August 19, 2025 - PayPal recently introduced a facility ... penalties involved. I have discovered that using this facility affects your credit score because each use involves a credit query on the provider....
One Designs
onedesigns.com › topics › general › paypal pay in 4 limit explained((1(855) 848-0127))
PayPal Pay in 4 Limit Explained((1(855) 848-0127)) — One Designs Support Forums
July 25, 2025 - Instead, limits are determined per transaction based on various factors: • Your credit profile • Purchase amount • Your PayPal account history • Payment history with past Pay in 4 loans To check if you’re eligible for a specific purchase: 1. Proceed to checkout using PayPal. 2. If Pay in 4 appears as a payment option, you’re eligible for that specific amount. 3. You can manage your active and completed Pay in 4 plans in your PayPal Wallet under “Pay Later”. Why Is PayPal Not Letting Me Use Pay in 4?
Webzeto
webzeto.com › home › saas › who accepts paypal pay in 4
Who Accepts PayPal Pay in 4
January 29, 2025 - This means more people can access the service. ... Many major retailers accept PayPal Pay in 4 for both online and in-store purchases. Amazon: A global online marketplace offering a vast range of products, from electronics to home goods, books, and more. Known for fast shipping and excellent customer service. eBay: An online platform for buying and selling products, including new and used items.