Are you looking for answers to why your PayPal Pay in 4 not working all of a sudden? Well then, it’s your lucky day. Walk through this entire article, and you’ll know why.

The PayPal Pay in 4, as the name suggests, is a buy now pay later type of service provided by PayPal. It lets users split their purchases into four payments. Ever since the feature was introduced to the PayPal users, the response received was overwhelming, and rightfully so. 

But the same has worked in seeding confusion among many, the main reason being its nature. Unlike the global features that get added to any platform in bulk, PayPal Pay in 4 sits a bit on the limited end. It is different as it was made available only to US citizens.

The confusion marked the rise of the query we’re after today, PayPal Pay in 4 not working. However, it is not the same anymore. In this article, I’ll share every bit of information that you need to have right now. 

From the probable reasons to the possible solution, I’ll share everything, but first, let’s see how the feature actually works.

How does PayPal Pay in 4 Work

With PayPal Pay in 4, you’re looking at a BNPL (buy now pay later) service provided by PayPal. What it does is split the purchase amount into 4. The first one that you pay gets registered as the down payment while the other three become subsequent payments which you need to pay every two weeks.

Now that you know how PayPal Pay in 4 works, it’s time to uncover the reasons behind the feature failing to work for many.

PayPal Pay in 4 Not Working: Here is Why

To be honest, PayPal Pay in 4 not working is a usual scene. Several users have been reporting this mishap time and time again, and for that reason, you’re not the only one stuck in the sphere.

After all the stretch I invested in researching the possible reasons behind PayPal Pay in 4 not working, here are the factors that seem to have the major share of responsibility.

1. You’re Not from the US

Right from the day when PayPal Pay in 4 scheme was announced, it was made exclusive for US citizens only. Although the services of PayPal are spread all over the globe, the split in 4 functionality can be solely enjoyed by US citizens. 

So in case you’re among the many who don’t actually belong to the US and wondering what may be the reason behind PayPal Pay in 4 not working, I guess you now have your answer. 

2. You Maybe from the US, but Not 18 Years Old

Just being a US citizen isn’t enough for anyone to enjoy PayPal Pay in 4 services. As per the criteria set, only those who’re at least 18 years old can apply and move forward with it. Having said that, if you’re yet to hit the 18th mark, I’m afraid PayPal Pay in 4 not working is something inevitable.

3. The Merchant you’re Working With Might Not Acknowledge the PayPal Pay in 4

There is no denying the fact that the PayPal Pay in 4 is oper for all, at least when we speak of the US-based merchants. However, every merchant doesn’t need to acknowledge the same in return. 

For that matter of fact, it is possible that if you find PayPal Pay in 4 not working, most probably the merchant you’re working with hasn’t listed his/her item eligible for the offer.

4. You’re Not Within the PayPal Pay in 4 Purchase Limits

As already mentioned before, users need to have their purchases within the PayPal Pay in 4 limits to make sure they can benefit from the offer. As per the standards set, the minimum purchase value should be $30, and the same should not exceed $1500.

There are a handful number of users who’re not aware of these numbers and often make an attempt to use PayPal Pay in 4 even when they’re not within limits set. Eventually, the process fails, and the users wonder why PayPal Pay in 4 not working for them.

5. Your PayPal Account is Restricted

Among the many reasons behind PayPal Pay in 4 not working, the one that needs to be understood seriously is the restraint factor. 

In case you don’t know, PayPal is very strict when it’s about preserving its users’ security. From the time you create an account on PayPal until the day you decide to halt, the platform makes sure your actions within are under continuous supervision. It is the reason why there are hundreds and thousands of restricted accounts. 

The severity of impediments varies from being temporary to be standing on the verge of getting blocked. No matter if it’s the former or the latter, PayPal can hinder users from enjoying the features, and PayPal Pay in 4 is no exception.

6. You Use Capital One or American Express Credit Card

A piece of bad news for all the Capital One and American Express credit cardholders. As per the latest policy amendments, the Buy Now and Pay Later mode of transactions in PayPal is no longer supported with the credit cards from these bodies.

Luckily, if you own a debit card from any of these financial institutes, you’ll be able to make PayPal Pay in 4 work.

7. A Probable Glitch

PayPal Pay in 4 not working; it might be nothing more than just a technical glitch. Sadly, the tech industry never runs out of glitches, and bugs intend to find a way in some way or the other. Like any other big gun in the tech-sphere, PayPal is trying hard to provide its users a pleasant experience, but there is yet a healthy amount of distance to cover.

8. PayPal Pay in 4 Limit

The PayPal Pay in 4 feature comes with a limitation to retain. As of now, the minimum value of a transaction is set to $30, while the maximum value is $1500. Make sure you are aware of the PayPal Pay in 4 Limit before you start using it.

What to Do When PayPal Pay in 4 not working: The Fixes

To find yourself eligible for the PayPal Pay in 4 feature, you need to be a US citizen who is at least 18 years old. So before you try attempting the fixes below, make sure you have the requirements section sorted.

1. Log Out and Log In

paypal login

When you’re facing PayPay in 4 not working issue, the basic thing that you can do is get rid of temporary bugs, if any. Doing it is pretty simple, just log yourself out of the PayPal account and log back in.

  • Visit PayPal mobile app on your Android or iOS smartphone. You can also visit the web version and conclude the process from there.
  • While you’re on the homepage, look for the logout button and click on it. In case you don’t find it, tap here.
  • Now restart your smartphone/browser.
  • Once you land on the login screen, use the dedicated email address and the password to get started.
  • Now check if PayPal Pay in 4 not working issues has been answered. If not, follow the next fix.

2. Check PayPal Servers

paypal server check
  • Visit Downdetector
  • Use the search bar and look for PayPal.
  • A graph will appear displaying the rate of outages over the past 24 hours.

3. Wait it Out

wait for PayPal Pay in 4 not working to fix

In most of the cases, the waiting game helps resolve PayPal Pay in 4 not working issue, provided you fulfill the eligibility criteria, and your PayPal account isn’t restricted in any way. If waiting for hours doesn’t help see an end to this issue, wait for at least a day. In case nothing happens, move to the next solution.

3. Contact PayPal

Getting in touch with PayPal support staff is the last thing in the resort for those who’re struggling to conclude PayPal Pay in 4 not working issue. 

  • Visit the PayPal Contact official web page.
  • Scroll your way down until you find an option to either send a message, ask the community, or switch to the resolution center.
  • Use the desired medium and let the team of experts learn about the issue you’re facing.

Frequently Asked Questions

1. What are the reasons behind PayPal Pay in 4 not working?

The occurrence of PayPal Pay in 4 not working error is not limited to one or two reasons; instead, there exists a series of those. While in most cases, failing to meet the eligibility criteria seems to be the reason behind preventing users enjoy the Pay in 4 feature, at times, issues revolving around one’s profile also contribute to the error.

2. Why can’t I do PayPal pay in 4?

Here is probably why you can’t use PayPal Pay in 4:

  • You’re not from the US.
  • You don’t have a valid PayPal account.
  • Your age is less than 18 years.
  • The transaction you’re after is beyond PayPal Pay in 4 limits.
  • Your PayPal account is restricted.

3. Define PayPal Pay in 4 Limit?

The PayPal Pay in 4 limit signifies the range that PayPal has set for the Pay in 4 feature. According to it, you can deal with finances valued at $30 in minimum and $1500 in maximum.

4. What stores accept PayPal Pay in 4?

The number of stores that accept PayPal Pay in 4 is humungous. Once approved, you can use the Pay in 4 feature all over the US. The market stretches from the top-notch online sellers to several popular offline businesses

PayPal Pay in 4 Not Working: Everything you Need to Know

PayPal Pay in 4 not working can be really disturbing, but luckily there is an easy escape. However, it is more crucial to understand the reason behind such trouble so that you can proceed with the fixes in a better way. 

In this article, I’ve walked you through seven probable factors that can restrict you from using the PayPal Pay in 4 feature. Alongside that, I’ve listed four things that you can do and get the Pay in 4 feature back to working terms. 

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