PayPal Pay in 4 is not available for all online shopping carts. Some merchants have opted out of Pay in 4, and financing may not be available for certain recurring subscription services.

PayPal today introduced a new installment credit option for PayPal users called "Pay in 4." The name itself explains what the service offers -- basically, it's the ability for customers to pay for ...

Even if Pay in 4 is listed, it doesn’t mean you’re automatically approved to use the BNPL service. Pay in 4 is an installment loan, so you must apply to use the service.