PayPal Pay in 4

Boost your sales with

Pay in 4

Help boost sales when you offer the flexibility of PayPal Pay in 4¹ to shoppers who prefer to pay with PayPal.²

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Get in touch, 1800729725.
91 %
91 %
higher average order value (AOV) than the standard PayPal AOV for enterprises.3
62 %
62 %
higher AOV than the standard PayPal AOV for small businesses.4

Connect with

high-value shoppers

High-income earners

In a survey of consumers about Buy Now, Pay Later, PayPal held more than a 50% share of BNPL users who earn over $125k annually.5

High approval rates

90M+ PayPal users globally are highly likely to be approved for Pay Later short-term installment offers.6

High spend potential

28% increase in average order value in PayPal Pay in 4 compared to PayPal's standard average order value.7

Turn browsers into

buyers

Show personalised messaging for PayPal Pay in 4 offers while your customers browse, shop, and check out. They’ll get a flexible way to pay. You’ll increase your sales.

Add Pay in 4 Messaging

Messaging that connects

Add dynamic messaging that updates as your visitors move from homepage to product page to cart, to let them know they can pay over time with PayPal Pay in 4.

Easy for your customers. Easy for you.

PayPal Pay in 4 effortlessly completes and complements your checkout stack, giving customers additional flexibility in their purchase experience.

We’re already on these eCommerce platforms

It’s easy to add PayPal Pay in 4 to your checkout. Connect your store and start selling.

Pay Later

delivers results

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Great for your customers.

And your bottom line.

For-your-business

For your business

Pay in 4

Payment in full at checkout

Integration

Included with Online checkout

Seller Protection12

For-your-customers

For your customers

Pay in 4

Purchase amount

Under $2,000​

Number of payments​

4 interest-free payments

Time between payments​

The first payment at checkout, then three further repayments, one every two weeks

APR %

None

Repayment method​

Debit card, credit card, or confirmed bank account

Purchase Protection​13

Included on eligible purchases

Pricing with no surprises

No monthly or setup fees. Only pay when you get paid.

More About Fees

One platform.

Many ways to get paid.

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Frequently asked questions

Get smarter. Grow faster.

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PayPal Open

One platform

for all business

Get paid. Get growing. Get ahead.

Do more with the platform designed to power commerce.

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All screen images shown are for illustrative purposes only. Actual experience will be based on account activity.
1
PayPal Pay in 4 is a continuing credit contract provided by PayPal Credit Pty Limited (ABN 66 600 629 258) to Australian residents and is subject to eligibility criteria, credit application and suitability assessment. PayPal Pay in 4 is available on eligible transactions under AU$2,000 and application and use may impact a customer's credit score. The PayPal Credit Guide must be considered before entering into the PayPal Pay in 4 Facility Agreement (see link for full terms and details) and for more information about how PayPal handles personal information, please refer to our Privacy Statement. PayPal may disclose personal information to a credit reporting body. To find out more about our credit reporting practices, please see our Statement of Notifiable Matters. To view the Target Market Determination for this product, see here.
2
82% of PayPal Pay Later users surveyed prefer to pay with PayPal when it's available. Nielsen Survey, Commissioned by PayPal, Nielsen Media Attitudinal Survey of USA (February 2023) with 3,999 recent purchasers (past 2 weeks) from large enterprise merchants, including 1,999 PayPal transactions & 2,000 non-PayPal transactions. Base N. PayPal BNPL (Pay Monthly and/or Pay In 4) users in last 12 months = 2,334​.
3
Internal data analysis of large enterprise merchants with Pay Later transactions from January – December 2024.  Data inclusive of Pay Later transactions across 7 markets (US, UK, AU, DE, ES, IT, FR)
4
Internal data analysis of small business merchants with Pay Later transactions from January – December 2024.  Data inclusive of Pay Later transactions across 7 markets (US, UK, AU, DE, ES, IT, FR)
5
J.P. Morgan, Online Checkout Survey, November 2022. 162 BNPL users who earn more than $125K+. Note: 2,032 responses out of 2,100 surveyed, 706 BNPL users, 1,326 non-BNPL users.
6
Based on internal PayPal data, March 2025. Global Pay Later offers include https:; Pay in 4 (US, AU), Pay in 3 (UK, IT, ES), and Paiement en 4x (FR). Applicants are subject to eligibility and suitability criteria. See full terms.
7
Internal Data Analysis of Small and Medium Businesses Fashion merchants with PayPal Pay in 4 transactions from January – December 2023.
8
Based on an internal data analysis of Pay Later retailers, October 2020 through August 2023. Data inclusive of transactions using PayPal Pay Later products across 7 markets (US UK AU DE FR IT ES). Individual results may vary.
9
After 3 months when adding Pay Later upstream messaging. Based on an internal data analysis of retailers with PayPal Pay Later messaging from October 2020 through August 2023. Individual results may vary.
10
After 3 months when adding Pay Later upstream messaging. Based on an internal data analysis of small business retailers with PayPal Pay Later messaging from October 2020 through August 2023. Individual results may vary.
11
Data source is from PayPal, 2023. These results may not be typical and may vary substantially by business.
12
Available on eligible purchases. Limits apply.
13
Purchase Protection is available on eligible purchases. Terms and limitations apply.