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.

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 that range from AUD $30 to $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 may 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

Compare Pay Later options
Pay in 4
Purchase amount

$30 to $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
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

Explore articles, case studies, and more

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Frequently asked questions

Pay in 4 is always interest-free.

Start offering

PayPal Pay in 4

Let us help you put Pay in 4 to work for your business.​

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