Get paid in full at checkout while giving your customers the flexibility to pay in instalments over time—with no late fees for them or additional cost to you.
Offering instalment options can help drive conversion and customer loyalty.
Receive complete payment when orders are processed and we’ll take care of billing.
Shoppers may spend more if they know they can pay over time.
69% of Pay in 4 customers in Australia are repeat users.*
Automatically promote Pay in 4 on your site at key points of the shopping journey. Customers are more likely to buy if they know they can pay in instalments—so you’re more likely to make a sale.
It’s easy to add Pay in 4 messaging through your ecommerce platform or custom site once you have PayPal Checkout.
Pay in 4 messaging will dynamically present instalment payment options based on the product price while customers shop.
Get reports that show sales, average order value, and customer info from instalment payment purchases—available only when you add Pay in 4 messaging.
Once you enable dynamic messaging, new Pay Later options are automatically added at checkout when available.
We'll automatically show the relevant Pay in 4 offer at checkout.
Customers make a 25% payment and then pay the balance in three fortnightly interest-free payments. You'll get paid in full upfront.
Payments will be made automatically. Customers can review plan details online or in the app.
| For your business | Pay in 4 |
|---|---|
| Payment in full at checkout | |
| Integration | Included with PayPal Checkout |
| Price | Included with PayPal Checkout at no additional cost. Explore pricing |
Seller Protection6
|
| For your customers | Pay in 4 |
|---|---|
| Purchase amount | $30 to $2,000 |
| Number of payments | 4 payments |
| Time between payments | 25% payment at purchase, then 3 fortnightly payments |
| APR | 0% |
| Repayment method | Debit card, credit card, or confirmed bank account |
Purchase Protection7
|
It all starts with a PayPal Business account. If you already have a Personal account, it's easy to upgrade or create a new Business account.
Connect your PayPal account to your ecommerce platform or code your custom PayPal Checkout. If you already have PayPal Checkout, make sure you’ve upgraded to the latest version.
To show Pay in 4 promotional offers to shoppers while they browse your site, enable Pay in 4 messaging.
Every business needs a reliable partner. From secure payment processing to helpful business insights, we’re here for you.