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Who Accepts PayPal Pay In 4? [All You Want To Know]

who accepts paypal pay in 4?

PayPal Pay in 4 is a buy now, pay later (BNPL) service offered by PayPal that allows you to split your purchase cost into four interest-free installments, making it easier to manage your finances and budget for larger purchases.

This service is applicable for purchases between $30 and $1,500 (amounts vary depending on location), dividing your payment into four equal payments within a specific time range.

There is no interest or hidden fees charged as long as you make your payments on time.

PayPal Pay In 4 is accepted  in millions of online stores around the globe that accept PayPal. Apply for Pay in 4 at checkout and get a decision instantly. Manage your payments easily through the PayPal app or website.

You must be at least 18 years old and have a PayPal account in good standing to use Pay in 4. Eligibility may also depend on your location and creditworthiness.

In this  article, you will be guided on who accepts PayPal pay in 4, PayPal Later, and PayPal Pay Later requirements:

Who Accepts PayPal Pay In 4?

PayPal in 4 is a buy now, pay later (BNPL) service offer by PayPal, allowing you to manage your finance by splitting payment into 4 parts.

This service is accepted by millions of online stores around the globe. PayPal Pay in 4 is available almost every where PayPal is accepted. PayPal is a payment option having a global acceptance. So, Pay in 4 will be available where PayPal is accepted.

Note that, Pay in 4 is primarily available for online purchases. It is not generally accepted for in-store transactions.

To find out if PayPal Pay in 4 is listed as a payment option on any online store:

1. Look at the Payment Options at Checkout:

When shopping online, look for the PayPal logo at checkout. If Pay in 4 is available, it should be display alongside other PayPal payment methods.

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2. Contact the Merchant Directly:

If you're unsure whether a specific store accepts Pay in 4, you can always reach out to their customer service team and inquire.

3. Third-Party Resources:

Websites like Finder and MoneySuperMarket compile lists of online stores that offer BNPL options, including Pay in 4. However, keep in mind that these lists may not be entirely up-to-date.

Here are some popular options that accept PayPal Pay in 4:

Who Accepts PayPal Pay In 4? [UK]

Here are some popular stores in the UK that accept PayPal Pay in 4:

1. Fashion & Beauty:

2. Home & Garden:

3. Electronics & Appliances:

  • AO.com
  • Apple
  • Currys PC World
  • EE
  • Samsung:

4. Sports & Outdoors:

Note Better: While this list includes some of the most popular stores, it's not exhaustive. Always check the store's website or checkout page to see if they accept PayPal Pay in 4 before making a purchase. Additionally, the availability of Pay in 4 and the minimum purchase amount might vary depending on your location and the specific store.

Who Accepts PayPal Pay In 4? [USA]

Here are some popular stores in the USA that accept PayPal Pay in 4, categorized by type:

1. Electronics:

  • Apple
  • Best Buy
  • Samsung
  • Microsoft
  • Sony
  • GameStop

2. Clothing & Accessories:

  • Nike
  • Adidas
  • Puma:
  • Asos
  • Levi's
  • Target

3. Home & Garden:

  • Wayfair:
  • Home Depot:
  • Lowe's:
  • Bed Bath & Beyond:
  • Walmart:

4. Beauty & Health:

  • Ulta Beauty
  • Sephora
  • Glossier
  • The Body Shop

5. Other:

  • Chewy
  • Petco
  • Staples
  • Office Depot
  • Booking.com
  • Hotels.com

Please note: This is not an exhaustive list, and the availability of Pay in 4 may vary depending on your location and the specific store. It's always best to check with the store directly before making a purchase.

There are many retailers all over the world that accept PayPal Pay in 4, login to the retailer store and at checkout look for PayPal logo. If PayPal In 4 is available, you will see it here.

Who Accepts PayPal Pay In 4 Near Me?

There are millions of stores that accept PayPal Pay in 4. To find who accepts PayPal Pay in 4 near you, I can suggest several ways to find stores in your area:

1. Store Websites:

  • Visit the websites of your favorite stores and look for information about their payment options. Many stores will display logos of accepted payment methods on their checkout pages or payment information sections.
  • Use the search bar on the store's website to look for specific keywords like "PayPal Pay in 4" or "Buy Now, Pay Later".

2. PayPal Website:

Visit the PayPal website and explore their "Shop with PayPal" section. You can filter results by location and category to find stores near you that accept PayPal Pay in 4.

3. Third-Party Resources:

Websites like Finder and MoneySuperMarket compile lists of online stores that offer BNPL options, including Pay in 4. While these lists might not be entirely up-to-date, they can be a good starting point for your search.

4. Contact Stores Directly:

If you have a specific store in mind, reach out to their customer service team directly and inquire whether they accept PayPal Pay in 4. They can confirm payment options available at their specific location.

PayPal Pay Later

PayPal offers two "Pay Later" options: Pay in 4 and Pay Monthly. Both allow you to split your purchase cost into multiple payments, but they differ in some key aspects:

Pay in 4:

  • Number of payments: 4 equal installments, interest-free if paid on time.
  • Minimum purchase amount: Varies depending on your location, typically between $30 and $1,500.
  • Payment timing: First payment due at purchase, remaining payments every two weeks.
  • Best for: Smaller purchases, managing cash flow for short-term needs.

Pay Monthly:

  • Number of payments: Varies depending on the loan amount and chosen APR. Can range from 3 to 60 months.
  • Minimum purchase amount: Varies depending on your location and creditworthiness, typically higher than Pay in 4.
  • Payment timing: Monthly payments with interest charged if not paid in full on time.
  • Best for: Larger purchases, spreading payments over a longer period.

PayPal Pay Later Requirements

There are two important distinctions to clarify:

1. Pay in 4 vs. Pay Monthly:

PayPal offers two separate "Pay Later" options, each with different requirements:

a) Pay in 4:

Eligibility: Individual most be at least 18 years old, and have a PayPal account in good standing. Also, meet location-specific eligibility criteria (may vary by country).

Credit Check: A soft credit check might be performed, but it will not affect your credit score.

Other considerations:

  • Minimum purchase amount varies by location (typically $30-$1,500).
  • Payments automatically deducted every two weeks from linked payment method.

b) Pay Monthly:

Eligibility: Same as Pay in 4.

Pass a credit check based on your financial history.

Credit Check:

A hard credit check will be performed, which may impact your credit score.

Other considerations:

  • Higher minimum purchase amount than Pay in 4 (varies based on location and creditworthiness).
  • Loan term and APR (9.99%-35.99%) determined based on creditworthiness.
  • Monthly payments with interest charged if not paid on time.

2. General Requirements:

Regardless of choosing Pay in 4 or Pay Monthly, certain general requirements apply:

  • Valid email address: Needed for account creation and communication.
  • Linked bank account or credit card: To authorize payments.
  • Mobile phone number: For verification and potential two-factor authentication.
  • Internet access: To manage your account and make payments.

Ensure you can afford the repayments and understand the potential impact on your finances.

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Final Thought On "Who Accepts PayPal In 4"

While it's impossible to offer an exhaustive list of every store that accepts PayPal Pay in 4 due to the sheer number globally, I hope the different resources and approaches shared  above have been helpful in your search. Remember, finding stores can be done through:

Official Resources: PayPal website. Explore "Shop with PayPal" section or specific country pages.

Third-Party Resources: Websites like Finder and MoneySuperMarket (although keep in mind these lists may not be entirely up-to-date).

Direct Checks: Look for the PayPal logo at checkout or contact the store's customer service team directly.

Remember Pay in 4 is mainly for online purchases. Availability and minimum purchase amount can vary based on location and store.

These are just starting points, and ultimately, the best way to confirm Pay in 4 acceptance is to check with the individual store before attempting a purchase.

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