( Quick Fix ) PayPal Pay In 4 Not Showing Up 2023

PayPal now offers two forms of Buy-Now-Pay-Later features. They are PayPal Credit and PayPal Pay In 4. Both features come with several conditions. However, they are aimed at making life easier for you. If you are one of those who are interested in PayPal Pay in 4 but can not find it in your account, don’t worry. Sit back and read through this piece that has explained the reasons for “PayPal Pay In 4 not showing up” and how it can be resolved.

There are several reasons why PayPal Pay In 4 is not showing up in your account. It could be that you are not eligible for it, it is not available in your state, or some technical errors, among others. Continue reading to find out more about these as well as how to fix them. You will also see the states that the feature is available to at the moment.

Why Is PayPal Pay In 4 Not Showing Up?


For those asking, why is paypal pay in 4 not showing up? The following are some of the reasons your PayPal Pay in 4 is not showing up;

Not Available To Your State


One of the major reasons why PayPal Pay In 4 is not showing up is because it is not yet available in your country. It is still a new feature and the organization is in the process of expanding its reach to all the states of the US but that hasn’t been achieved.

Currently, it is not available in New Mexico, Wisconsin, North Dakota, Missouri, Nevada, and a few other US territories. So, if you reside in any of these states that the feature hasn’t been extended to, you will not be able to use it.

Ineligible Account


Another possible reason for PayPal Pay In 4 not showing up is when your account is eligible for the offer. This could be because PayPal has carried out an internal check on your account and found that you are not qualified for it.

The conditions for getting this approval are not specified but it could be traced to your account history, especially about how well you’ve paid previous installments. And it could also be linked to your credit score. More of this is explained in the next paragraph.

Low Credit Score


No doubt that this feature is a credit product and as such, it is not unexpected that our eligibility is dependent on your credit score and creditworthiness. So having a low or poor credit score is one of the reasons why PayPal Pay in 4 is not showing up in your account.

Account Verification Issue


It could also be that your PayPal account is not verified hence you can see the Py In 4 feature. Without verification, your account is restricted and with that, you will be unable to carry out some forms of transactions and this is one such transaction.

Ineligible Transactions


Some transactions are considered ineligible with PayPal. For instance, purchasing from a non-participating merchant, buying above or below the Pay In 4 limit. The PayPal Pay In 4 has a minimum limit of $30 and a maximum of $1500. So if your transaction falls into any of these categories of ineligible transactions, the feature would not work for you.

You Canceled An Order


If you previously had the feature and it is no longer showing up, it could be a result of a potential glitch that emanated from canceling an order and reordering it. If you cancel an order and want to reorder, the feature might not come up. Many users have experienced this.

PayPal Needs An Update


When there is a new feature sometimes, it may not be available to some users until they install an update to their account on the mobile app. This could be another reason why it is not showing up. So updating the app could solve the problem.

Technical Errors


Furthermore, this problem could be a result of some technical errors from PayPal. This could be server errors, unapproved merchants, and so much more. Such issues are usually not from your end hence there is little or nothing that can be done by you. However, we have some quick solutions for you in the next section, so do not go away.

How To Fix PayPal Pay In 4 Not Showing Up

paypal pay in 4 not showing up

Having seen the various possible reasons for PayPal Pay In 4 not showing up as identified in the preceding section, let us now see how to fix them quickly.

1. Verify Your Account


As we mentioned earlier, if your account is not verified, the feature may not show up. So get your PayPal account verified and you will find it. To verify your account, you must be up to the age of 18 years or more and must be a citizen or resident of the United States.

2. Update Your PayPal App


If you are logging in to your account from the PayPal mobile app, then an update to the app could help fix it. So, visit your Play Store or App Store and get it updated.

3. Contact PayPal Customer Support


The best solution to PayPal Pay In 4 not showing up is to contact PayPal customer support. They will go through your account to determine the problem and give you feedback. You can reach them on the phone by calling 1-888-221-1161 with the number connected to your PayPal account or visit paypal.com.

How To Use PayPal Pay In 4. (How To Enable PayPal Pay In 4)


If you have applied and the feature is available to you, take the following steps to use PayPal Pay In 4.

  • Choose PayPal as your payment method when checking out of your preferred store.
  • Click on the Pay In 4 option if it is available to you.
  • Make your first payment and check out. You are expected to pay the remaining amount in 3 installments every 2 weeks.

What Store Accepts PayPal Pay In 4?


The Pay In 4 feature is available in many stores. Just make sure you are eligible for it. Some of the stores include

  • Walmart
  • Esty
  • Best Buy
  • Target
  • Nike
  • Adidas
  • Calvin Klein
  • Crocs
  • H&M
  • Fossil, etc

Paypal Pay In 4 Walmart Not Showing Up

There are several reasons your paypal pay in 4 walmart not showing up, and they are; You may not be eligible for PayPal Pay in 4, PayPal Pay in 4 may not be available on all items or transactions at Walmart, You may have outstanding Pay in 4 balances and lastly, There may be a technical issue with PayPal or Walmart’s system.

However, if you’re eligible for PayPal Pay in 4 and it’s not working on Walmart, kindly follow the guidelines below to fix the error”

  • Make sure you are logged into your PayPal account.
  • Try refreshing the checkout page.
  • Try using a different browser or device.
  • Try adding the items to your cart and checking out again later.
  • Contact PayPal customer support for assistance.

Is PayPal Pay In 4 Always Available?


It is available to many states and users. And can be used almost anywhere that PayPal is accepted as a payment method.



I am sure that with the discussion so far, you have seen the reasons for “PayPal Pay In 4 not showing up”. And you have also learned a few easy ways to fix the problem. Don’t forget to contact Paypal for more information.