Offer Pay in 4
Drive sales with Pay in 4
Retailers trust Pay in 4 to help them reach new customers, boost sales, and increase customer loyalty. Offer Pay in 4, a continuing credit contract — with no additional cost or credit risk for your business.1
Attract and retain customers
Millions of ready-to-shop customers
69% of Pay in 4 customers are repeat users.2
Quick decisions
Rich historical data and advanced risk modeling are used to let customers know in seconds if their application is approved.
Seamless checkout
With just a few lines of code, give customers a fast and easy checkout experience. It’s already included with your PayPal integration.
Dynamic messages
Present Pay in 4 as your customers browse, shop, and check out to boost sales conversion.
Why businesses trust Pay in 4
Flexible payments for your customers
How Pay in 4 works for your customers
Our all-in-one checkout solution lets you offer PayPal, Pay in 4 and more to help maximise conversion.
Short-term option that lets customers pay in four, interest-free instalments.1
For purchases under AUD $2,000.
No sign up fees and no late fees for consumers.
Show customers Pay in 4 offers
Turn browsers into buyers with dynamic messages throughout the shopping journey.
Customers choose Pay in 4
They can apply for Pay in 4, which will generally involve a credit check.
They review their payment schedule
If approved, the first of four interest-free payments is paid at purchase. The remaining three payments will be made every two weeks following.
We make it easy to track payments
Customers can make a payment and review plan details at any time in the PayPal app.
Pay Later options
| Pay in 41 | |
|---|---|
| Purchase amount | under $2,000 |
| Number of payments | 4 interest-free payments |
| Time between payments | 25% payable at purchase then 3 fortnightly repayments |
| Annual Percentage Rate | 0% |
| Repayment method | Debit card, credit card or confirmed bank account |
| Purchase Protection7 | Available on eligible purchases |
| Sign-up and late fees | None |
| Automatic payments | Set-up at the time of purchase. Customers can manage repayments through the PayPal app or online |
Retail leaders love Pay in 4
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Frequently asked questions
More about payments processing
Start offering
PayPal Pay in 4
Let us help you put Pay in 4 to work for your business.