Oh man, I was confused by these feature also. I wanted to try Pay in 4 because there was no interest. But after I thought I had paid, it took me back to the seller's checkout page and it looked like I had not page. Foolishly, I tried it two more times with the same result. Then I wondered if Paypal had just charged me 3x for the same item although their bad UI was so confusing. Spoiler alert: yes they charged me 3x for the first "Pay in 4" payments as I see on my bank statement today. I ended up just buying the thing directly from the merchant with my credit card. Fortunately the three payments are still payments and the seller only shipped one item based on my credit card order. I contacted the seller to ask them to cancel the 3 extra payments. Hopefuly it works out. I will update y'all later. Now I am going to write a strongly worded email to PayPal telling them how the UI for the "Pay in 4" is very confusing and led to these duplicate charges!
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