FrequentlyAsked Questions
These are Four's official answers, mirrored from the FAQ inside the Four app so the app and this page cannot disagree. For a step-by-step walkthrough of a purchase, see How It Works. For anything not covered here, contact support.
What is Four?
Four is a Buy Now, Pay Later service that lets you split your purchases into 4 payments. Shop at your favorite stores and pay over time.
How do I sign up for Four?
Download the Four app from the App Store or Google Play, create an account with your email and phone number, and complete a quick verification process to get your spending power.
What is spending power?
Spending power is the maximum amount you can spend using Four. It's determined based on various factors and may increase over time as you use Four responsibly and make payments on time.
When are my payments due?
Your purchase is split into 4 payments. The first payment is due at checkout, and the remaining 3 payments are due every two weeks after your purchase date.
What is the Platform Charge?
The Platform Charge is added to each scheduled automatic payment. You can avoid the Platform Charge by logging into your account at least 3 business days before the due date and making the payment manually.
What happens if I miss a payment?
Late fees may apply if you miss a payment. We'll always remind you before payments are due so you can stay on track.
How do I make a payment?
Payments are automatically charged to your linked payment method on the due date. You can also make early payments anytime through the Four app to avoid the Platform Charge.
What payment methods can I use?
You can link a debit card, credit card, or bank account to your Four account for payments.
Why was my account locked?
Accounts may be locked due to missed payments, failed payment attempts, or security concerns. To unlock your account, please settle any outstanding balance or contact support.
How do I update my payment method?
Go to the Account page in the Four app, select Payment Methods, and add a new card or bank account. You can also remove outdated payment methods from this screen, if your account has no outstanding balance.
Can I return an item I purchased with Four?
Yes! If you return an item, the retailer will process your refund. Once processed, we'll adjust your remaining payments or refund any payments already made. Please continue making payments on time until the refund is applied to avoid late fees.
Four is available to U.S. residents who are 18 or older and meet additional eligibility requirements, and is not available in New Mexico. Eligibility, fees, late payments, and Four+ are covered on How It Works. The User Agreement and Privacy Policy are the authoritative terms.