Paypal InformationUpdated 32 minutes ago

PayPal Pay in 4 is a buy now, pay later option that lets you split your purchase into 4 interest-free payments, taken every two weeks. To make shopping easier, By Charlotte offers PayPal Pay in 4 so you can shop now, wear now, and pay later—all with the flexibility of PayPal.

Is this accepted in all your stores?

PayPal Pay in 4 is currently available online only at checkout when you choose PayPal as your payment method. Once approved, you can split your payments into four instalments, taken automatically every two weeks. Managing your plan is simple through your PayPal account, where you can track payments, see your available spending, and make early repayments if you choose.

What are the costs involved?

When you use PayPal Pay in 4, you pay for your items in four instalments, with the first payment due at the time of purchase and the remaining three deducted every two weeks. There are:

• No interest charges when payments are made on time.
• No set-up fees or account fees to use Pay in 4.

Late fees may apply if a payment is missed. PayPal will notify you ahead of time and provide options to manage upcoming payments through your account.

Can I return my PayPal Pay in 4 order?

Items purchased with PayPal Pay in 4 can be returned for a store credit or refund, subject to our Returns Policy. Once we process your return, PayPal will adjust your repayment plan to reflect the new order total. If you’ve already paid instalments, those amounts will be refunded directly to your PayPal account.

If you opt for a store credit as your return resolution, please note that your Paypal account will not update or be refunded, as the money is still technically owed. You will receive a complete credit for the full return amount owed, and you will need to continue paying off your instalments. Failure to make payments may incur additional fees through the platform.

How do I create an account?

If you already have a PayPal account, applying for Pay in 4 is quick:

1. Add your chosen pieces to the cart and proceed to checkout.
2. Select PayPal as your payment method.
3. Choose “Pay in 4” when prompted during the PayPal checkout.
4. If eligible, you’ll be approved in seconds and shown your payment schedule.

To use PayPal Pay in 4, you’ll need to:

• Live in Australia.
• Be at least 18 years old.
• Have a valid debit or credit card linked to your PayPal account.
• Meet PayPal’s eligibility criteria (PayPal may run a soft credit check).

For full terms and conditions, visit: paypal.com/au/paylater.