Since asking this question, I’ve had many transactions through PayPal with online shops and individual sellers alike. I can tell you that quite a few individual sellers have been gracious to me, letting me pay overtime. This method does not draw directly from Pay-in-4. In some cases, it took me two payments; in others, it was four; even other sellers, have let me make six or so payments. It all depends on agreement you and the seller can settle on.
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