Using PayPal Pay
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Using PayPal Pay in 4 on the PlayStation Store

PayPal’s Pay in 4 option allows shoppers to split purchases into 4 interest-free payments over 6 weeks. This is now available when buying digital content on the PlayStation Store.

If you’re short on time, here is the quick answer: Yes, PayPal Pay in 4 can be used to buy PlayStation Store games and content $30+ by Playstation account holders with approved PayPal credit.

This article explains how to use PayPal Pay in 4 on the PlayStation Store – from enrollment, to checkout, to managing your payments.

PayPal Pay in 4 Eligibility

Minimum Order Value

To use PayPal’s Pay in 4 service on PlayStation purchases, your order must be between $30 and $1,500. This convenient payment option allows you to split your purchase into 4 interest-free payments made every two weeks.

It’s a great way to get what you want now while paying over time. With PlayStation’s expansive digital game library and frequent sales, hitting that $30 minimum won’t be hard for most gamers.

PayPal account

Credit Approval Requirement

PayPal does a soft credit check when you choose Pay in 4 to ensure you are eligible. As long as you are over 18 years old, have a PayPal account in good standing, and pass the soft credit check, you should be approved. PayPal approves 4 out of 5 applications, so chances are high that PlayStation fans can use this payment method. 👍

According to PayPal, here are some of the main criteria they evaluate:

  • Your history with PayPal services
  • Account tenure
  • Past payment behavior

Country Availability

As of December 2022, PayPal Pay in 4 can only be used by customers with accounts registered in the United States or United Kingdom. PayPal’s website says they hope to expand to other markets in the future.

For now, PlayStation fans in the US and UK can take advantage of splitting purchases into 4 payments over 6 weeks with no interest or fees.

Country Pay in 4 Available?
United States Yes
United Kingdom Yes
Canada No
Australia No

For the latest on country availability, check PayPal’s Pay in 4 page. As they expand globally, PlayStation fans across the world can hopefully soon take advantage of this purchase flexibility.

Using Pay in 4 on PlayStation Store

Add PayPal to PSN Account

Adding PayPal to your PlayStation Network (PSN) account makes checking out with PayPal Pay in 4 quick and easy. Here’s how to set it up in a few simple steps on your PS4 or PS5 console:

  1. Go to “Settings” then select “Users and Accounts”
  2. Choose “Account Information” > “Wallet”
  3. Select “Link/Unlink Services” and choose “PayPal”
  4. Enter your PayPal email and password to link your account

Once connected, PayPal will automatically appear as a payment option when checking out purchases on PlayStation Store.

Select PayPal at Checkout

When buying games, DLCs, themes or avatars on PlayStation Store, select PayPal at checkout to pay with PayPal Pay in 4.

  1. Add items to your cart then proceed to checkout
  2. On the payment page, choose “PayPal” as the payment method
  3. Log in to your PayPal account if prompted

PayPal gives you the flexibility to pay upfront or split the purchase into 4 interest-free payments over 6 weeks with Pay in 4.

Choose Pay in 4 Option

If your order is between $30-$1,500, the Pay in 4 option will automatically show up.

  1. On the PayPal checkout page, toggle “Pay in 4” on
  2. The order total will be split into 4 payments over 6 weeks – no interest or fees!
  3. The first payment is made upfront and the remaining 3 are automatically charged to your PayPal balance over the next 6 weeks

It’s an easy way to budget bigger purchases without paying extra fees. With no credit checks or interest, Pay in 4 is available to most PayPal users.

Redirected to PayPal

After selecting PayPal Pay in 4, you’ll complete your transaction on PayPal before being redirected back to PlayStation Store.

  1. Confirm your Pay in 4 payment plan is correct
  2. Pay the initial installment from your PayPal balance, bank, card or other sources
  3. Get redirected back to the PlayStation Store once the payment processes

And that’s it! The remaining 3 Pay in 4 payments will be automatically deducted from your PayPal balance over the next 6 weeks per the payment schedule.

Purchase Amount Number of Payments Duration
$30 – $99 4 payments 6 weeks
$100 – $500 4 payments 6 weeks
$500.01 – $1,500 4 payments 6 weeks

With PayPal Pay in 4, Xbox and PlayStation gamers in the US can enjoy the latest titles, DLCs and in-game content while budgeting payments over time. It’s a game changer!

Completing PayPal Purchase

Accept Pay in 4 Terms

When utilizing PayPal Pay in 4 to buy PlayStation Store games and content, the process begins during the checkout phase. Users need to select the Pay in 4 option, which will prompt them to either log in to their existing PayPal account or create one.

During this step, users must enter their shipping and billing information. Once the information is provided, the order total, along with the installment breakdown, will be displayed for review.

The terms and conditions of the Pay in 4 plan would also be provided and users must accept the terms before the transaction would be completed. Users can then confirm the payment details, completing the transaction and initiating the installment plan. 

PlayStation Store

Confirm Purchase

After successfully placing a Pay in 4 order on the PlayStation Store, users can expect to receive order confirmation from both PayPal and PlayStation. The confirmation will include details about the installment schedule, specifying when subsequent payments are due.

It’s crucial for users to manage their payments responsibly to avoid any late fees. If users have questions or concerns about their Pay in 4 installment plan, they should contact the customer support services of either PayPal or PlayStation.

Following the completion of payments, users can proceed to access and download their purchased games and content on the PlayStation platform.

Managing PayPal Payments

Payment Schedule

When you use PayPal Pay in 4 to make a purchase on the PlayStation Store, you agree to pay for your purchase in 4 equal interest-free payments made every two weeks. This payment schedule allows you to spread out the cost over time rather than paying the full amount upfront.

Your payment due dates will be clearly shown during checkout. The first payment is processed instantly when you place your order. The remaining 3 payments will automatically be charged to your selected PayPal payment method every two weeks after that.

Late Fees

It’s important to ensure you have enough available funds in your PayPal account to cover each scheduled payment. If any payment fails due to insufficient funds, PayPal will notify you and assess a late fee. This late fee is $15 per missed or incomplete payment.

If a payment is still incomplete after 7 days, an additional $15 late fee will be charged. Your PayPal Pay in 4 plan also may be cancelled, requiring the remaining balance to be paid immediately.

To avoid late fees, be sure your payment method has sufficient funds before each scheduled withdrawal. You can check your upcoming payments and add funds through your PayPal wallet.

Eligible Purchases

Not all PlayStation Store purchases are eligible for PayPal’s pay in 4 option. Generally, individual purchases between $30 and $1,500 will qualify. PlayStation wallet top ups or PlayStation Plus membership fees cannot be paid for using Pay in 4.

According to PlayStation’s support site, here are some examples of purchases that typically can be paid in 4 installments:

  • Full games
  • Game bundles
  • Add-on content
  • Season passes
  • In-game currency

So if you see the PayPal Pay in 4 option during checkout, you can spread out the cost over 6 weeks interest-free. Just remember to keep an eye on your payment schedule and avoid late fees! 👍

Eligible Purchases


In summary, PlayStation gamers with PayPal credit can utilize Pay in 4 when spending $30+ for new digital games and content. This allows players to spread out payments over 6 weeks with no interest.

Just link PayPal, select the option at PlayStation Store checkout, complete purchase authorization with PayPal, and manage scheduled payments.

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