Welcome to the PayPal Community Forum! I can certainly understand the concern associated to having a duplicate charge on your bank account account. When it comes to PayPal Pay in 4 the initial transaction will reflect as a pending authorization. Typically a pending authorization will be removed from a bank account within 24-48 hours. However, if the pending status continues I advise to contact our Customer Support team directly for additional assistance. Thank you again for reaching out on the PayPal Community Forum, I hope the information provided is able to assist with your concerns.
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