Hello @PunkRokka,
Welcome to our community forum and thank you for your post!
I certainly understand how concerning this can be for you. PayPal Pay in 4 is not available for certain merchants and goods. We may also decide not to offer PayPal Pay in 4 as an option based on our internal checks. You may be eligible in the future and are able to checkout using another form of payment method.
I hope this information helps!
Bindu
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