Hello @TheMightyDuck,
Welcome to the community forum and thanks for posting!
I understand your concern about PayPal pay in 3 plan and I know this can be frustrating. Kindly note that Pay in 4 is not available for all merchants and products, only certain merchants and goods will offer this plan. Our system may also decide not to offer PayPal Pay in 3 as a payment option in certain circumstances, such as where our checks suggest an increased risk of fraud or where data we hold suggests you may not be eligible. Regards, Ayesha
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