<section><p>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.</p></section><section><h3><strong>How can I pay with Pay in 4?</strong></h3></section><section><p>If eligible, Pay in 4 will appear as a payment method for shopping cart values between $30 and $1,500 when you check out with PayPal. Upon applying, you'll receive a decision within seconds, although not every application will be approved.</p>
<p>Availability depends on your state of residence, and you must be at least 18 years of age to apply. You must also have a PayPal account in good standing or open a PayPal account to apply.</p>
<p>Pay in 4 is not available for certain merchants and goods. Offer availability depends on the merchant and may not be available for certain recurring subscription services.</p>
</section><section><h3><strong><span>Are there terms and conditions for my Pay in 4 loan?</span></strong></h3></section><section><p>Yes. You must read the loan agreement and other terms and disclosures for your Pay in 4 loan before you submit your application. Your payment schedule is provided within the application process, in a payment summary communication once you are approved and use your loan, and also available in the PayPal app or desktop experience within the plan details of the Pay Later sections. You will see the link to the loan agreement while applying for Pay in 4. You will have the option to download the loan agreement. <br/><br/>Once your plan starts, we will send you an email containing important information about your Pay in 4 loan, including how to locate your loan agreement in your PayPal account.</p></section><section><h3><strong>Are there any fees associated with Pay in 4?</strong></h3></section><section><p>PayPal does not charge any sign-up, application, late, or non-sufficient funds (NSF) fees when you pay for your purchase with Pay in 4. However, if your repayment is returned because of non-sufficient funds or for another reason, your financial institution may charge you an NSF or other fee.</p></section><section><h3><strong>How long will my Pay in 4 plan last?</strong></h3></section><section><p>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.</p></section><section><h3>What currencies are accepted?</h3></section><section><p>Transactions can be made in all currencies that PayPal supports, not just US Dollars (USD). For transactions not in USD, PayPal will automatically convert the transaction amount to USD at checkout before providing you with your Pay in 4 loan. Currency conversion charges will apply and can be found in the <a href="http://www.paypal.com/us/webapps/mpp/ua/useragreement-full" target="_blank">PayPal User Agreement</a>.</p></section><section><h3>Why could I use Pay in 4 before but it’s not available with the same merchant now? </h3></section><section><p>Pay in 4 eligibility will vary by merchant and individual shopping experience. The Pay in 4 option will be displayed in PayPal checkout if the option is available for the specific merchant as well as the transaction amount and type. Keep in mind, not all goods and services are eligible. If for some reason the items in your cart are not eligible for Pay in 4, the offer will not be available.</p></section><section><h3>How will my Pay in 4 purchase show in my PayPal activity? </h3></section><section><p>Every purchase made with a Pay in 4 loan will appear in your PayPal activity as a full purchase amount under the merchant’s name. This line item reflects PayPal paying the merchant upfront so you can then pay PayPal back for your Pay in 4 loan by spreading the repayments over time according to your plan's payment schedule.&nbsp;</p><p>  You will also see your down payment taken on the day of the purchase which will equal one-fourth of your total purchase amount. </p></section><section><h3>Why was my Pay in 4 approval not used for my completed purchase? <br/></h3></section><section><p>Your Pay in 4 approval is valid for that specific shopping session in which it was granted. If you change the payment method during checkout and don’t switch back to Pay in 4, your purchase will be charged to that changed payment method. In addition, if you experience a disruption in your session (internet glitch or session timeout) the approval may become invalid. In that case, you would need to apply again to use Pay in 4 for a transaction. </p></section>

What is Pay in 4?

My Wallet/Pay in 4

<section><p>Pay in 4 eligibility will vary by merchant and individual shopping experience. The Pay in 4 option will be displayed in PayPal checkout if the option is available for the specific merchant as well as the transaction amount and type. Keep in mind, not all goods and services are eligible. If for some reason the items in your cart are not eligible for Pay in 4, the offer will not be available.</p></section><section><h3>Why was my Pay in 4 approval not used for my completed purchase? <br/></h3></section><section><p>Your Pay in 4 approval is valid for that specific shopping session in which it was granted. If you change the payment method during checkout and don’t switch back to Pay in 4, your purchase will be charged to that changed payment method. In addition, if you experience a disruption in your session (internet glitch or session timeout) the approval may become invalid. In that case, you would need to apply again to use Pay in 4 for a transaction. </p></section>

Pay in 4: Split Purchases into 4 Payments | PayPal US

Pay in 4 lets you split purchases between $30-$1,500 into 4 interest-free payments. Available at checkout with PayPal, eligibility required.

Developer Resources

BrainTree Support

Braintree Support

Site Status

Personal Help

Business Help

Message Center

Transactions Help

Need immediate help? Chat with us for instant support

Common Issues

What can we help with

Get the PayPal App

For best results, ask a question like “How do I reset my password?”

Help Center

Try our Unified Agent

Business Resources

Browse All Topics

Community Forum

Contact Us

Resolution Center

Tax center

Technical Help

 Logged out chat is only available for users who can't log in or don’t have a PayPal account. For all other inquiries, log in to message us.

Your transaction was declined

Your case is in review

Your account is temporarily blocked

You have a pending refund

Your funds are on hold

Status Updates

Report a Concern

For Technical Questions:

Dialing Instructions

Tap the call us button below

Customer Service Hours

Enter one-time passcode for quicker service

Call PayPal Customer Service and enter this one-time passcode when prompted.

Hours of Operation

Call Instructions

Call Customer Service

Further information on our complaint handling procedures can be found in our Complaints Process Code (Hungary) which can be found

 Further information on our complaint handling procedures can be found in our Complaints Process Code (Slovak Republic) which can be found

Select the reason for your complaint

PayPal (Europe) S.à r.l. et Cie, S.C.A. is a credit institution (or bank) authorised and supervised by Luxembourg’s financial regulator, the Commission de Surveillance du Secteur Financier (or CSSF). CSSF’s registered office: 283, route d’Arlon, L-1150 Luxembourg. The CSSF maintains a register of the organizations that it regulates at

PayPal is number B00000351 on the register, but you can also look us up on the register by our name. Trade Register Number: R.C.S. Luxembourg B 118 349.

For complaint-specific information, please refer to

Directorate General for Economic Inspection of Belgium's Federal Public Service Economy, SMEs and self-employed, which can be contacted at its offices at North Gate III, Koning Albert II-laan 16, 1000 Brussels, Belgium.

For consumers resident of the Czech Republic, the alternative dispute resolution authority regarding disputes with payment services providers is the Financial Arbitrator and the Office of the Financial Arbitrator (www.finarbitr.cz) to the extent and within the scope set forth in Act No. 229/2002 Coll., on Financial Arbitrator, as amended.

Bank of Spain. You can obtain further information about how to contact the Bank of Spain at

The relevant member of the Financial Dispute Resolution Network (“Fin-Net”). You may obtain further information regarding Fin-Net and how to contact the relevant dispute resolution authority at

The Financial and Capital Markets Commission (in Latvian – Finanšu un kapitāla tirgus komisija) (if you are a non-consumer). The Financial and Capital Markets Commission is the authority responsible for the supervision of companies in the financial sector in Latvia, like us. You may obtain further information regarding the Financial and Capital Markets Commission and how to contact them at

The Consumer Rights Protection Center (in Latvian – Patērētāju tiesību aizsardzības centrs) (if you are a consumer). You may obtain further information regarding the Consumer Rights Protection Center and how to contact them at

The Ombudsman of the Finance Latvia Association (in Latvian– Finanšu Nozares Asociācija). You may obtain further information regarding the Ombudsman of the Finance Latvia Association and how to contact them at

The National Authority for Consumer Protection (ANPC) (if you are a consumer and a resident of Romania). You may obtain further information regarding the ANPC and how to contact them at

The National Bank of Romania (BNR) (if you are a resident of Romania). You can contact the BNR at 25 Lipscani Street., District 3, Bucharest, Romania. You may obtain further information regarding the BNR and how to contact them at:

Complaints section of our User Agreement.

European Consumer Center (<b>ECC-Net</b>) which is available to consumers. You may obtain further information regarding the ECC-Net and how to contact them at

Further information regarding additional alternative dispute resolution bodies that you may be able to refer your complaint to can be found in the

If the outcome of your complaint about our services, after completing the complaint escalation process, isn’t to your satisfaction, you can escalate it by contacting one of the following:

We aim to offer you excellent customer service, but we may not get it right every time. So, if you're dissatisfied with PayPal, please let us know and we'll do our best to fix things quickly and fairly.

We'll aim to respond to your complaint as quickly as possible. It may take up to 15 days for us to respond to payments-related complaints. Other complaints can take up to a month. We’ll send you an acknowledgement within 10 days. If there's any delay in our final response, we'll send you an update on our progress.

Submit a complaint to PayPal

Discounted Rate

Use the converter below to get an indication of the currency conversion rate that you may receive when using PayPal for transactions.

Standard Rate

Chat with PayPal Assistant immediately or leave a message for an agent

PayPal for You

Shopping & Rewards

Send & Receive

Manage Your Money

PayPal Open

Business Types

Accept Payments

Risk & Operations

Financial Services

PayPal Ads

What is Pay in 4?

Why was my Pay in 4 approval not used for my completed purchase?

More ways we can help