How To Use PayPal Pay In 4 On Amazon

how to use paypal pay in 4 on amazon

Online shopping can be quite amazing when you are using the right payment methods and also that which is at your own convenient . It is due to this reason that online platforms like Amazon, SHEIN, Temu accept various payment options.

If you want to shop at Amazon and you are wondering if they accept PayPal Pay In 4 or how to use PayPal Pay In 4 on Amazon, then you are about to exploit all details in this article.

PayPal Pay in 4 is a buy now, pay later (an interest-free installment loan) service offered by PayPal. It allows you to split purchases between $10 and $2,000 (depending on your location) into four equal payments, spread over six weeks (for purchases under $150) or six months (for purchases over $150).

On the other hand, Amazon is a multinational technology company that focuses on a variety of fields, including: E-commerce, Cloud computing, Digital streaming, Artificial intelligence and other ventures.

Before shopping at Amazon, note that they don't directly accept PayPal as a payment option and may not accept other services provided by PayPal as well.

Find out how to use PayPal Pay in 4 on Amazon in this article:

How To Use PayPal Pay In 4 On Amazon

Due to the fact that Amazon and PayPal have no official partnership for Pay in 4 functionality, and also the fact that Amazon offers its own installment plan called "Monthly Payments" for select items, potentially competing with Pay in 4's market share, there is no possibility of using PayPal Pay In 4 on Amazon.

Although PayPal Pay in 4 is currently unavailable, it's impossible to say definitively whether a future integration between Pay in 4 and Amazon might happen. This is because  the market for BNPL services is dynamic, and future partnerships are always possible.

There are still possibilities to shop at Amazon using PayPal products although they don't accept PayPal and PayPal Pay In 4. Here are a few workaround ways you can consider:

1. Use a PayPal Debit Card:

You cannot directly use a PayPal Debit Card linked to PayPal Pay in 4 on Amazon. However, you can still use your regular PayPal Debit Card to make purchases on Amazon, but it won't utilize the Pay in 4 installment feature. Here is how to do it:

  • If you have a personal PayPal account, you can request a PayPal Debit Card.
  • Use this card like any other debit card when checking out on Amazon.
  • Payments will then be deducted from your PayPal balance and follow the Pay in 4 installments.

How To Use a PayPal Debit Card on amazon:

a. Add your PayPal Debit Card to your Amazon account:

  • Go to "Your Account" on Amazon.
  • Click "Payment options."
  • Select "Add a payment method."
  • Choose "Credit or debit card" and enter your PayPal Debit Card information.
  • Click "Add your card."

b. Use your card at checkout:

  • Select your PayPal Debit Card when choosing a payment method at checkout.
  • The funds will be deducted directly from your PayPal balance.

2. Use a Single-Use Card:

  • If you're approved for PayPal Pay in 4, you can request a Single-Use Card through the Pay Later tile in the PayPal app.
  • This card has a unique number and expiration date valid for a single purchase. This card will expire after 24 hours after the first  purchase is made.
  • Use it on Amazon like any other credit card, and the payment will be split into Pay in 4 installments.

Some alternative Payment Methods that you can consider aside PayPal or PayPal Pay in 4 are seen below:

  • Amazon offers its own installment plan called "Monthly Payments" on select items. You can use it directly.
  • You can also use other Buy Now, Pay Later (BNPL) services accepted by Amazon, such as Affirm or Klarna.

Before using any BNPL service, carefully review the terms and conditions, including interest rates and late fees. Ensure you can comfortably manage the repayments to avoid financial strain.

For more details about the the above worry please visit PayPal official website.

Why Doesn't Amazon Accept PayPal?

There are several factors contribute to Amazon not accepting PayPal directly:

1. Lack of Official Partnership:

There's no official agreement between Amazon and PayPal for integrating Pay in 4 functionality. This means their systems haven't been linked to allow Pay in 4 payments on Amazon.

2. Competition:

Historically, Amazon and PayPal have been seen as competitors. PayPal was owned by eBay, a major competitor of Amazon, from 2002 to 2015. This potential competitive tension might influence their willingness to collaborate.

3. Amazon's Own Financing Options:

Amazon offers its own installment plan called "Monthly Payments" for select items. Having its own system could discourage a partnership with Pay in 4, especially if they target similar market segments.

4. Potential Regulatory Concerns:

There are increasing regulatory concerns surrounding BNPL services like Pay in 4. This could make Amazon cautious about integrating them without thorough checks and compliance measures.

While you can't use Pay in 4 on Amazon, you can use your PayPal Debit Card for regular purchases (not Pay in 4 installments).

Amazon offers "Monthly Payments" as an alternative to BNPL services like Pay in 4.

Other BNPL services like Affirm and Klarna are accepted by Amazon, offering alternative ways to split payments.

Amazon Pay In 4

Amazon unfortunately does not offer its own "Pay in 4" option directly. However, there are two alternative ways to split your Amazon payments into installments:

1. Monthly Payments:

Amazon offers a program called "Monthly Payments" that allows you to split the cost of select items into monthly installments. You can typically choose between 3, 6, or 12 monthly payments.

To see if an item is eligible for Monthly Payments, look for the "Monthly Payments" option on the product page. If you don't see it, the item is not eligible.

To use Monthly Payments, simply add the item to your cart and select "Monthly Payments" as your payment option at checkout. You will need to be approved for a credit line before you can complete your purchase.

2. Affirm:

Affirm is a third-party financing company that allows you to split the cost of your Amazon purchases into monthly installments. You can typically choose between 3, 6, or 12 monthly payments.

To use Affirm, simply add the item to your cart and select "Affirm" as your payment option at checkout. You will need to be approved for a credit line before you can complete your purchase.

Affirm charges interest on its loans, so be sure to read the terms carefully before you agree to anything.

Note that:

  • Not all items on Amazon are eligible for Monthly Payments or Affirm.
  • You will need to be approved for a credit line before you can use either of these options.
  • Both Monthly Payments and Affirm charge interest on their loans, so be sure to read the terms carefully before you agree to anything.
  • Using BNPL services responsibly is crucial. Always read the fine print, understand the interest rates and fees, and ensure you can comfortably afford the repayments to avoid financial trouble.

Amazon also sells gift cards which you can use to shop on their website.

How To Buy Amazon Gift Card With PayPal

Amazon itself doesn't directly accept PayPal as a payment method for gift cards on their platform. However, you can still use PayPal to purchase Amazon gift cards.

Here is how you can buy Amazon gift card with PayPal:

1. Purchase an Amazon gift card from a different retailer:

Several reputable retailers offer Amazon gift cards that you can purchase using PayPal. Here are a few options:

Best Buy: This is a popular and trusted choice, with no hidden fees for using PayPal.

MyGiftCardSupply: Offers a wide range of gift cards, including Amazon, and accepts PayPal.

Raise: This platform allows you to buy and sell gift cards, including Amazon, at discounted prices. You can often pay using PayPal.

eBay: While slightly less reliable than established retailers, you can sometimes find Amazon gift cards on eBay at discounted prices and pay with PayPal. Be cautious of scams and ensure the seller has a good reputation.

2. Link your PayPal balance to a debit card:

If you have a debit card linked to your PayPal account, you can use that card to purchase an Amazon gift card directly from Amazon. This method is convenient but might incur transaction fees depending on your bank.

3. Use a gift card exchange platform:

Platforms like: CashCash, GiftCard and Raise.

These platforms allow you to exchange unwanted gift cards for different ones, including Amazon. You can sell your unwanted gift card for cash and then use that cash to buy an Amazon gift card on the same platform, paying with PayPal. However, these platforms often charge fees for both selling and buying gift cards.

Where Can I Use PayPal?

You can use PayPal in a variety of ways, both online and offline:


  • Shopping: PayPal is accepted at millions of online stores worldwide, including major brands like SHEIN, eBay, and Walmart. You can also use it for smaller, independent retailers and on many service websites.
  • Subscriptions and services: Use PayPal to pay for your monthly subscriptions to streaming services, music platforms, gaming services, and more.
  • Sending and receiving money: Send money to friends and family, or request money from them. You can also use PayPal for international money transfers.
  • Donations: Donate to your favorite charities directly through PayPal.
  • Investing: Invest in stocks and other assets through PayPal Invest (available in some countries).


In-store payments: While not as common as online, some stores accept PayPal payments through their own apps or point-of-sale systems. Look for the PayPal logo at checkout to see if it's an option.

Contactless payments: Use the PayPal app to make contactless payments at participating stores by holding your phone near the reader.

Conclusion On How To Use PayPal Pay In 4 On Amazon

There is no direct integration between Amazon and PayPal. For this reason, you can not shop on Amazon and pay with PayPal or PayPal Pay In 4.

However, you can use a PayPal credit card that is not link to PayPal Pay in 4 but is linked to your PayPal balance just like any other card to make purchase items on Amazon. You can also Use single-use card.

Use PayPal you purchase Amazon gift card a eBay, Raise, Best buy and other which have already been discussed above.