Grow your sales with PayPal Pay in 4

PayPal Pay in 4 is now available to millions of Australian customers when they checkout with PayPal.

Our buy now, pay later solution is interest-free, has zero late fees for consumers and comes at no extra cost for businesses.

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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.

With 41% of Australian SMBs focusing on expanding their customer relationships in 20212, PayPal Pay in 4 is a powerful tool that can help businesses achieve their goals. You can turn browsers into buyers by giving customers flexible repayments on their purchases with Pay in 4.

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 every 2 weeks without interest, sign-up or late fees.

Access to financing

Pay in 4 through PayPal, the brand they know and trust.

Purchasing power

With the ability to spread payments, purchases become more manageable.

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.3

An expansive network

Connect with PayPal’s ever expanding network with millions of customers across Australia.3

buy now pay later mobile

The numbers1 you need to know

45%

74%

34%

81%

$0

50%

See Pay in 4 in action

Promote PayPal Pay in 4 in a clickYour customer selects their best optionCustomer gets clear payment informationWe do the rest

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.

Easy set-up

Already have a PayPal business account?

Ready to set up an account with us?

PayPal Pay in 4 is currently available on these commerce platforms.


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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

Terms & Conditions


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 full terms here.

1. PayPal eCommerce Trends Report 2021

2. Research conducted in February 2021 for PPWC by Pure Profile Australia; national sample of 401 SMB owners/owner-operators aged 18 -75

3. Requires latest PayPal JS SDK integration. Merchant exclusions apply