Hello @CharSpruce,
Welcome to PayPal's Community Forum! I can certainly understand how a Pay in 4 purchase can look a bit confusing at first. Here's a Help Center article you may find useful: Why is there a pending authorization shown in my PayPal activity for my Pay in 4 Transaction?
If that's not what's happening, please reach out to our Customer Support teams for assistance.
Best wishes!
- Jon K
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