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PayPal Pay in 4 makes it very easy for consumers to split their payments into four manageable installments. But sometimes, it’s very frustrating when it doesn’t work as expected or it just won’t show up at all. These issues can be caused by many factors, ranging from previous repayment issues to account eligibility or technical hindrances.
However, this article explores the reason why the PayPal Pay in 4 payment option won't show up on your checkout page, effective troubleshoots you can explore to figure the issues out, and offers you effective solutions that will help you navigate these issues smoothly, ensuring you use this payment option to make payments for your shopping.
PayPal Pay in 4 Not Working: Reasons and Troubleshoots
There are several reasons why Pay in 4 is not working for you and we're going to walk you through it in this section. The feature is a PayPal's Buy Now, Pay Later (BNPL) service that allows you to split an eligible purchase into four interest-free installments over six weeks.
So, the functionality of this feature can be disrupted by website security blocks, unsupported regions or regional restrictions, security protocols, having cookies disabled, previous repayment problems, ineligible goods, or ineligible amount.
How Website Security Blocks Affect PayPal Pay in 4
Website security protocols such as cookies and many others can block PayPal’s scripts from loading properly. PayPal Pay in 4 requires certain scripts and APIs to load on the checkout page. So, if a website’s firewall, CDN security (like Cloudflare), or plugin blocks these scripts, the Pay in 4 option may simply not appear.
In addition to that, website security protocols can flag PayPal as “suspicious traffic” if user keeps revisiting the page several times without completing a particular account. In this case, some browsers have strict security settings that won't hesitate to restrict the user from PayPal traffic or payment gateways because it sight it as suspicious activities.
When this happens, the site cannot communicate properly with PayPal, so Pay in 4 won’t load. Another thing you need to take note of is security plugins that interferes with browser cookies. Pay in 4 relies partly on cookies to confirm your location, session, and eligibility.
If a site blocks or restricts cookies, the Pay in 4 option may not show up because PayPal can’t verify your information. Another thing that may interfere with Pay in 4 is if the website enforces very strict HTTPS or Content Security Policies, the browser may refuse to load PayPal components that are needed to show Pay in 4.
IP or Regional Blocking
If the website blocks certain IP addresses, VPN traffic, or regions, it may prevent PayPal from confirming you’re in a supported location. This can cause Pay in 4 to disappear from checkout.
However, it's important to note that Pay in 4 is relatively new and the features might not properly work in some regions even if PayPal is working properly in such regions. In other words, if you're not eligible country, the Pay in 4 may not show up for you at checkout page.
Ineligible Goods or Amounts
First of all, you need to check if your merchant support PayPay Pay in 4. There are many merchants who doesn't support this payment option. So, if your merchants doesn't support Pay in 4 options, the feature will not appear on checkout page.
Another thing that causes Pay in 4 to not show up on your checkout page is if the goods you're purchasing is ineligible or the amount is ineligible. If the goods you're purchasing cannot be bought with this option, pay in 4 will not show up. And the eligible amounts ranges from $30 to $1500 for eligible goods.
Inadequate Previous Repayment
Inadequate previous repayment histories signal to PayPal that you may not reliably repay future installment loans, so the system automatically removes Pay in 4 payment option from your account until trust is rebuilt or, in some cases, permanently.
The inadequate previous repayment affects your Pay in 4 payment option in these senses:
- You become flagged as a higher-risk borrower.
- Your eligibility can be temporarily blocked.
- Your trust factor drops.
- Your account may undergo additional review.
- Multiple missed payments can lead to a long-term ban.
In a nutshell, Pay in 4 is a short-term credit product. If you’ve missed payments, paid late, or failed to complete a past Pay in 4 plan, PayPal may classify your account as a higher risk. When this happens, Pay in 4 may stop appearing as an option.
How to Fix Pay in 4 Not Working
The first thing you need to take note is eligibility and repayment violations. If you're eligible, maintain the eligibility by building repayment trust so that the feature will not removed from your account. Once you're eligible and repayment trust is built, then you'll need to check if you're in eligible country. Like I have said earlier that PayPal might be working in your region but Pay in 4 might not work.
So, it's important you reside in supported countries for PayPal's Pay in 4 to show up at your checkout page. In addition to that, make sure you're purchasing the supported goods without the range of supported amounts from supported merchants. Of course, PayPal has listed supported merchants. Some of them are Nothing Tech USA, Harry & David, and Sony.
In a nutshell, you can fix PayPal Pay in 4 not showing up by making sure your shopping and PayPal accounts are in good credit standards, you're living in an eligible country, and you're purchasing eligible goods within the range of eligible amounts from an eligible merchants.
