If the refund is issued BEFORE the funds have left your bank account then they may not leave your bank account. For example, if a teen wants to buy a 100 jacket, buy-now-pay-later may break down the cost of the jacket into four installments of 25, but the teen could also work to save up the 100 and then. PAD is basically a 14 day interest free loan (or however long they give you in your country) between you and paypal. 10 To read the Target Market Determination for this product, see the Legal Hub. The seller has already been paid as no seller would send items first without being paid. 9 For more information about how PayPal handles your personal information please refer to our Privacy Statement. 8 Please see terms and conditions for full details. 7 When you apply, we may carry out a credit check and if you miss a repayment, it may impact your credit rating. 6 If an instalment amount is advertised, it is based on the advertised purchase price and may not include additional costs like shipping, insurance, currency conversion, etc. Buy now, pay later methods are often used by: Retailers selling high value goods and services like luxury items or travel fares that want to boost conversion. You’re paid immediately and in full and your customers pay nothing or a portion of the total at purchase time. PayPal's Pay in 4 option allows users to divide a purchase into four interest-free installments over. Buy now, pay later methods let customers pay in installments over time. 5 You may repay the amount you owe in full at any time, without any fees or charges. Buy now, pay over time with PayPal Credit. 'Buy Now, Pay Later' plans let you purchase items today and repay the balance over time. 4 There is no sign-up fee and repayments are made automatically from your PayPal account using the payment method you select. The next 3 instalments are due every 2 weeks after your first instalment. 3 Your first instalment is due at the time you make your purchase. 2 PayPal Pay in 4 allows you to pay for eligible purchases valued between AU$30 and $2,000 in 4 interest-free instalments. Terms & Conditions: 1 Offer is available to eligible PayPal account holders and availability may depend on merchant, transaction type and amount. When your customer selects to pay using PayPal as a payment option, they will have the option to use PayPals Pay in 4.
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