[Solved] PayPal pay in 4 not working (2021)

Is PayPal pay in 4 not working for you?

Is your PayPal Pay in 4 not getting approved?

If you have these questions and looking for the answers, you are on the right page. In this post, we have explained all you need to know about PayPal Pay in 4.

So, let’s get started.

For those who have heard the PayPal pay in four for the first time or a first-time user of it, let’s look at What is PayPal pay in 4.


What is PayPal pay in 4

PayPal Pay in 4 is a service or feature that allows you to split your purchase into four payments, with the down payment due at the time of transaction and three subsequent payments made every two weeks (every 15 days) thereafter.

It is a BNPL (buy now pay later) service offered by PayPal that lets you split your purchase into four installments. It was launched last year, and it does not charge any interest or late fee (as on or after Oct. 1, 2021)

To use or be eligible for PayPal pay in 4 there are certain requirements you need to fulfil. So, if PayPal pay in 4 is not working for you, it might be that you are not eligible for it, as discussed below.

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Why is PayPal pay in 4 not working

There can be several reasons why PayPal pay in 4 is not working or showing up for you, such as you are not a US citizen, you are not 18 years old, your purchase amount is below or over the PayPal pay in 4 limits, your merchant does not support it, or your Paypal account isn’t eligible for it.

Below, we have listed all the possible reasons why PayPal pay in 4 is not working or showing up for you.


1. You are not a citizen of US

Currently, PayPal pay in 4 is only available for the citizens of the USA. So, if you are anyone from any other country or region, the Paypal pay in 4 options will not be available for you.


2. You are not 18 years old

If you are a US citizen and still the option is not showing up for you, then it might be that you are not 18 years old.

As per PayPal, to apply for PayPal pay in 4, you must be at least 18 years of age (or the age of majority in your state) to apply.


3. Your Purchase in not in Paypal pay in 4 limits

PayPal Pay in 4 can only be used to purchase items between $30 and $1,500.

If your order is below or over the limit, PayPal Pay in 4 will not be available or shown to you.

o, make sure your order is within the Pay in 4 limits.


4. Your Merchant do not accept it

Certain merchants do not accept PayPal Pay in 4. Also, there are certain goods for which Pay in 4 options will not be available.

So, if the Pay in 4 option is not showing up for you, it might be the case that the item isn’t eligible for it, or the merchant you are buying does not accept it.


5. Your Paypal account have restrictions

PayPal pay in 4 is not showing up for you because your account has restrictions, such as you have not verified your account, you do have a good account history, or you have not paid the installment of PayPal in 4 on time on your last purchase.


6. You are using a Capital One or American Express credit card or Chase Pay account

As per Paypal, Due to the policies of Capital One, American Express, and JP Morgan Chase, Capital One and American Express credit cards and Chase Pay can no longer be used to repay Buy Now Pay Later transactions, including Pay in 4.

However, if you are using a debit card or any of these banks, you will be able to use PayPal pay in 4.


7. You cancelled an order – a potential PayPal glitch

As per several users, if you have cancelled order and tried to reorder the item, the PayPal pay in 4 options will be gone for you.

Below are the experiences of some of the users;

When I went to pay in for the amount didn’t match what it should be, so I kept going back to the merchant page, and back to PayPal back and forth. So they froze my ability to use pay in four.

I was using it until I messed around and cancelled an order and tried to reorder immediately after.

Same thing happened to me website froze and I tried to reorder right away and it flagged it as suspicious activity smh and now option doesn’t come up even though I’ve paid off three transactions already using the service and customer service was no help.


Paypal Pay in 4 limit

Yes, PayPal Pay in 4 limits the amount of purchase you can make through it. You can only purchase items ranging from $30-$1500.

Paypal pay in 4 minimum amount

The minimum amount for PayPal Pay in 4 purchases is $3o.


Stores that accept paypal pay in 4

PayPal pay in 4 is accepted by thousands if not millions of stores online.


Final Words

PayPal is an American-based financial technology company that supports online money transfers and serves as an electronic alternative to traditional paper methods such as checks and money orders.

You can use PayPal to send or receive payments for online purchases, sell goods and services, donate money, or receive donations.

Similar to buy now pay later services like Moneylion, Afterpay, Float and more, PayPal has lately launched is BNPL service or feature called Pay in 4. It allows you to split your payment into 4 installments. 

However, not everyone is eligible for it. So, if PayPal Pay in 4 is not showing up for you, you should check the requirements and other details discussed above.

So, that’s all for now. We hope you were able to know why PayPal in four was not working for you after reading this post.


Further Reading:

Fix: Paypal cash a check not working (Reasons & Solutions)

Why am I not eligible for Paypal Credit

(12 Reasons) Why is PayPal Declining My Card