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PayPal puts your account through some internal checks before the option is available to you. It works like PayPal Credit in that it’s built into the checkout system and displays according to availability based on those checks. Sometimes Pay in 4 may not be available on certain goods and/or merchants.
Thanks untestable but my thing is I had the option before hand, and I now no longer have the option do you know why that is? @sharpiemarker