Amplify reach and trust with Pay in 4
Our buy now pay later solution is interest-free, has zero late fees for consumers and comes at no extra cost for businesses.
Learn moreContact Sales
Give customers more buying power
By offering Pay in 4, you’re helping customers buy what they need, when they need it. They can pay over time without interest, late fees or complicated applications, while you get paid today.
45% of Australians already make Buy Now Pay Later purchases, increasing to 65% for Gen Y. And Australian consumers are more likely to use a BNPL service from PayPal (59%) than the nearest competitor (37%).1
A win for your customers
Payment flexibility
You get paid upfront, while your customers pay in 4 payments. The first payment is due at checkout and the remaining balance is paid in 3 fortnightly instalments.
Interest-free payments
Your customers can stretch purchases over 4 instalments without interest, sign up or late fees.
Access to financing
Pay in 4 through PayPal, the brand customers know and trust.
No late fees
Your customers will not be charged a late fee.
A win for your business
Increased sales
Giving shoppers more spending power could help boost your average order values.
No additional costs
The Pay in 4 offering is included in your existing PayPal rate.
Easy promotion
Add Pay in 4 messaging to your site in a couple of clicks to enhance your offering.2
An expansive network
Connect with PayPal’s ever expanding network with millions of customers across Australia.
The numbers you need to know1
45%
74%
34%
81%
50%
See Pay in 4 in action
Promote PayPal Pay in 4 in a click
Pay in 4 is already built into PayPal Checkout, so it’s easy to set up our ready-to-display messaging on your site.
Your customer selects their best option
PayPal Pay in 4 helps your customers to buy what they want and pay over time.
Customer gets clear payment information
Your customer sees their payment schedule. And there is no interest or sign up fees for their purchase or your business.
We do the rest
Once the order is processed, you get paid upfront. Then we take care of collecting the 4 instalment payments from your customer - the first at checkout then one every 2 weeks.
See Pay in 4 in action
Promote PayPal Pay in 4 in a click
Pay in 4 is already built into PayPal Checkout, so it’s easy to set up our ready-to-display messaging on your site.
Your customer selects their best option
PayPal Pay in 4 helps your customers to buy what they want and pay over time.
Customer gets clear payment information
Your customer sees their payment schedule. And there is no interest or sign up fees for their purchase or your business.
We do the rest
Once the order is processed, you get paid upfront. Then we take care of collecting the 4 instalment payments from your customer - the first at checkout then one every 2 weeks.
How to buy now
and pay later
Watch the video and learn how Pay in 4 can help your
customers buy what they need and want now, then
pay over time.
Watch Video
Popular brands already offering PayPal Pay in 4
The growing Buy Now Pay Later trend
Our 2021 eCommerce Trends Report shows just how important Buy Now Pay Later is for online businesses across Australia. And while 65% of Gen Y have used BNPL, it's not just Millennials - with 33% of Baby Boomers also loving the flexibility.1
Find out more about who's using BNPL when and why, and other key insights in our report.
Download the report
Connect with salesEnter your details below and one of our team will be in contact with you.
1 PayPal eCommerce Trends Report 2021
2 Requires latest PayPal JS SDK integration.
PayPal Pay in 4 is provided by PayPal Credit Pty Ltd ABN 66 600 629 285 and is subject to customer eligibility criteria and credit approval. Available on eligible transactions between $30-$1500. Exclusions and terms apply. See the full PayPal Pay in 4 terms here.