I use Pay in 4 out of habit, but this time it was for a preorder where the merchant does not process any payment until the item ships. There was no popup that prevented this method even though I wasn't sure how it would work for a preorder. Nevertheless, a first instalment was charged "pending authorisation", despite no details of the remaining payment plan being shown. Preorder was placed successfully with the merchant. Does PayPal account for this initial Pay in 4 payment for this transaction when the item actually ships? That is, will I be charged the remaining 75% only? Or is this 25% going to be refunded, with the full amount due being processed from scratch when the item ships? I am hoping I am not charged 125% in the end.
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