Please bring back "Pay In Four" option!

[dustyk]

I really wish eBay would reinstate the "Pay In Four" option if someone makes or accepts an offer for an item.

Especially now with this economy, it would be very useful for many people who don't have all the funds available to pay for an item all at once, or simply wish to stretch their payment to make easier to budget.

[kensgiftshop]

I think the reason it's not an option is because it can't be verified like a credit or debit card, but not positive?

[eburtonlab]

The option exists unless the seller requires a payment method specified in advance, in which case a credit or debit card or some payment method that can support a reversible payment hold must be used.

[kalyoth]

That option is direct from the payment cards / banks themselves. They are extending credit by doing that process & are liable should the buyer not finish paying. Bank laws change frequently & it is very likely, because ebay is now a payment processing entity, it has restrictions & regulations required to maintain that status.

[redmodelt]

There is Klarna shown on many listings, it is a pay in 4 that you can sign up for. 

[richard1rst]

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@dustyk wrote:

I really wish eBay would reinstate the "Pay In Four" option if someone makes or accepts an offer for an item.

Especially now with this economy, it would be very useful for many people who don't have all the funds available to pay for an item all at once, or simply wish to stretch their payment to make easier to budget.

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You know the line:

Be careful what you wish for.

An article in the local paper says that both Experian and FICO, which have generally ignored the “pay in four” transactions,. are no longer ignoring them.

Due to the increase in those payment types both credit rating services will now be factoring them into your financial information when determining your FICO/credit score.

Now, for those of us with a solid rating it should make no difference. But for those with less than a stellar score it could have a deleterious effect on your score. And since that score has a major effect on what you pay for interest on credit cards, car and personal loans, mortgages, etc, you might be having an unexpected affect on your interest rates on outside transactions.

https://www.latimes.com/business/story/2025-06-28/buy-now-pay-later-loans-will-soon-affect-some-cred...