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What is Pay in 4?

Pay in 4 is an interest-free instalment product that lets you split your purchase into 4 payments, with the first payment due at the time of purchase and 3 subsequent repayments made every 2 weeks thereafter.

How can I pay with Pay in 4?

Pay in 4 will appear as a payment method for eligible accounts and shopping cart values between $30 and $2,000 AUD when you check out with PayPal. After applying, you’ll receive a decision within seconds. Please note, not every application will be approved by our eligibility checks and some applications may require a credit check with a credit reporting body.

To apply, you must be an AU resident with a PayPal account in good standing or open a PayPal account.

Pay in 4 is not available at all merchants, for all goods, and for certain recurring subscription services.

What are the terms and conditions for my Pay in 4 plan?

A generic version of the Pay in 4 Contract is available contract here. You must read the Pay in 4 before you submit. If you choose to apply and use Pay in 4, you will have the option to download your personalised contract plan from your PayPal account.

Are there any fees associated with Pay in 4?

There are no fees for choosing to pay with Pay in 4. Please note that fees may apply to your use of your PayPal account, which are outlined in our Combined Financial Services Guide and Product Disclosure Statement.

How long will my Pay in 4 plan last?

Your individual plan will last a little over 6 weeks starting from your first instalment paid at the time of purchase. It will then continue for 3 consecutive 2-week payment cycles unless you repay your plan earlier.

What currencies are accepted?

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.

Why could I use Pay in 4 before but can’t now with the same merchant?

Pay in 4 availability will vary by merchant and individual shopping experience. If the offer does not show as a checkout option, there could be few different reasons such as the goods and/or services you are purchasing are not eligible for Pay in 4 or it may be due to changes in our eligibility criteria.

The Pay in 4 checkout option will be displayed if it is available for you to apply.

How will my Pay in 4 transaction appear within my PayPal account?

Every Pay in 4 transaction will appear in your activity feed for the full purchase amount under the seller's name as a "purchase" within your PayPal account. This is to reflect the initial total purchase and is not reflective of the Pay in 4 instalment plan or any payments made by you. PayPal pays the seller upfront for the transaction and spreads that cost over six weeks automatically withdrawing funds via your PayPal account based on the payment schedule agreed in your Pay in 4 contract. The first payment and subsequent repayments will each be reflected as a separate transaction in your PayPal activity feed and represent actual repayments made.

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