![]() ![]() Currency conversion charges will apply and can be found in the PayPal User Agreement. For transactions not in USD, PayPal will automatically convert the transaction amount to USD at checkout before providing you with your Pay in 4 plan. Transactions can be made in all currencies that PayPal supports, not just USD. Pay in 4 is available to use at select merchants where PayPal is accepted. The down payment will be due at the time of the transaction and 3 subsequent repayments will be taken every 15 days thereafter. Your Pay in 4 loan will last a little over 6 weeks in total. 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. PayPal does not charge any sign-up, application, late, or NSF fees when you pay with Pay in 4. 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.Īre there any fees associated with Pay in 4? You will also have the option to download the loan agreement. You will see the link to the loan agreement when you choose to apply for Pay in 4 at checkout. You must read the loan agreement for your Pay in 4 loan before you submit your application. Offer availability depends on the merchant and may not be available for certain recurring subscription services.Īre there terms and conditions for my Pay in 4 loan? Pay in 4 is not available for certain merchants and goods. You must also have a PayPal account in good standing or open a PayPal account to apply. Availability depends on your state of residence, and you must be at least 18 years of age (or the age of majority in your state) to apply. ![]() Upon applying, you'll receive a decision within seconds, although not every application will be approved. Pay in 4 will appear as a payment method for eligible shopping cart values between $30 to $1,500 when you check out with PayPal. Pay in 3 or 4 interest-free installmentsġ USD minimum 2,000 USD maximum or local equivalentĪustralia, Austria, Belgium, Canada, Czechia, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Netherlands, New Zealand, Norway, Poland, Portugal, Spain, Sweden, Switzerland, United Kingdom, United Statesġ0 USD minimum or local equivalent.Pay in 4 is an interest-free installment loan that lets you split your purchase into 4 repayments, with the down payment due at the time of the transaction and 3 subsequent repayments made every 15 days thereafter.Next, the customer accepts or declines the terms of the repayment plan, and then returns to the business’ site.ĥ0 USD minimum 30,000 USD maximum or local equivalent*Īustralia, Canada, France, New Zealand, Spain, United Kingdom, United States ![]() Then the customer creates or logs into an account with the buy now, pay later provider. Payment experienceĪt checkout, the customer chooses to pay with a buy now, pay later service. Read our Buy Now, Pay Later Guide for more information. Buy now, pay later methods don’t currently support Invoicing or Subscriptions. Your business relies on subscriptions or recurring purchases.Buy now, pay later methods offered on Stripe are only supported for consumers. Retailers selling low value goods and services that want to increase average cart size and reach new customers who might not have credit cards.īuy now, pay later methods might not be a good fit for your business if:. ![]() Retailers selling high value goods and services like luxury items or travel fares that want to boost conversion.Buy now, pay later methods are often used by: You’re paid immediately and in full and your customers pay nothing or a portion of the total at purchase time. Buy now, pay later methods let customers pay in installments over time. ![]()
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