Do you sell with PayPal? PayPal Pay in 4 doesn’t always show up as a payment option, and there are a few common reasons why.
Main reasons it may not appear
Eligibility restrictions
- Not all users are eligible (PayPal evaluates your account, history, and activity).
- Your account must be in good standing with a verified payment method.
Location / country restrictions
- Pay in 4 is only available in certain regions.
- If your PayPal account or the merchant isn’t based in a supported country, it won’t show.
Merchant or item not eligible
- Not all merchants accept Pay in 4.
- Certain product categories (like digital goods, gift cards, subscriptions, or higher-risk items) are excluded.
Order amount outside limits
- Pay in 4 usually only works for purchases within a specific price range (in the U.S., typically $30–$1,500).
- If your cart is too low or too high, the option won’t appear.
Technical or browser issues
- Sometimes Pay in 4 won’t display due to cache/cookie problems or if you’re using autofill/third-party checkout.
- Try logging in on a different device or clearing your browser cache.
PayPal’s internal risk check
- Even if you normally see Pay in 4, PayPal may hide the option if it flags a particular transaction as risky.
- This can happen randomly and doesn’t always mean there’s a problem with your account.
Quick fixes to try
- Make sure your PayPal account is verified and in good standing.
- Check that your order total falls within the allowed range.
- Try a different merchant or product type.
- Clear browser cache or switch to a different device/browser.
- Use a debit/credit card linked to your PayPal instead of just bank account balance.