I am no longer seeing Pay in 4 as an option, especially on vendors supporting it on Paypal (like Best Buy).
I had about 6 plans going, all payments made on time without issues.
I went to a merchant to use it, there it was in payment options. I go to pick it, and then it errors out and disappears.
I contacted Paypal on it and they said sometimes merchants stop supporting it. So I left it be.
Then, I go to Best Buy today to try and make a purchase in the $90-100 range (and this is with 5 out of my 6 plans already paid off and completed). And Pay in 4 was not there.
I am not sure if my account got flagged and blocked for further Pay in 4 transactions, but I have had no issues until now. I've made my payments regularly and had no issues until I tried with that one vendor a few days ago.
