6 Reasons Why PayPal Pay in 4 Is Not Showing Up

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.

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