# Four

Last updated: 2026-05-11

> Four is a Buy Now, Pay Later (BNPL) service that enables consumers to purchase items immediately and pay for them over time through four payments made every two weeks. This payment model is designed to enhance shopping flexibility and convenience for users. Four allows consumers to shop at various retailers and manage their orders through the Four app, available on both Android (at https://play.google.com/store/apps/details?id=com.paywithfour&hl=en_US) and iOS (https://apps.apple.com/us/app/four-buy-now-pay-later/id1527063669) platforms.

Four makes online shopping simple, flexible, and rewarding.
Buy now, pay later at hundreds of online retailers. Split your purchase into 4 easy payments—paid every two weeks—so you can shop what you love while staying on budget.
Manage every order in one app. Get a one-time card in the app and use it to pay—no checkout sign-up on the retailer's site. Upgrade to Four+ for access to exclusive stores, special offers, and more ways to shop online.

**How Four Works:**

1. Download the Four app (iOS or Android) and sign up in minutes.
2. Shop in the app. Browse hundreds of your favorite stores within the Four app, add items to your cart (in the app or via the in-app browser), and get your one-time virtual Four card in the app.
3. Use your one-time Four card to pay. Enter the card from the app as your payment method at the retailer to complete your order. No need to select Four on the retailer's site—just use your card like any payment method.
4. Pay in four. Your first payment is due today. The remaining three installments are due every two weeks.
5. Manage everything in the app. View your order history and payment schedule in the Orders tab.


**Key Features:**

- Pay in 4 installments. Split payments over time with clear schedules so you know exactly what is due and when
- Flexible payment plans. Stay on budget with predictable due dates and helpful payment reminders
- One Shopping app for everything. Browse partner stores, track orders, and manage your payment methods in one place
- Four does not require social security numbers and does not do any hard credit checks - won't impact your credit score
- Shopper Portal: Manage payments and orders in one place
- Mobile Apps: Native iOS and Android apps
- Four+ monthly subscription gives access to additional premium retailers, special offers, and more ways to shop online.

**Why shoppers use Four:**

- Quick and easy signup process
- Access to hundreds of online shopping options
- Manage your installment plans and track spending
- Get notified before each payment is due
- Shop in the app with a one-time card at top online retailers

## FAQ

### Does Four check my credit score?
No. Four does not perform a hard credit check and using Four will not impact your credit score. Approval decisions are based on other factors, and you'll receive an instant decision when you apply.

### Are there fees or interest charges?
Four charges 0% interest on all purchases. Late fees may apply if a scheduled payment fails, and a platform charge may apply to automatic payments. To avoid the platform charge, manually pay at least 3 business days before your scheduled due date. See the User Agreement for full details.

### 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.

### Who is eligible to use Four?
To use Four, you must be at least 18 years old and a U.S. resident. Additional eligibility requirements apply. Four is not available in New Mexico. By using the Four app, you agree to Four's User Agreement and Privacy Policy.

### How do I manage my payments and orders?
Everything is managed in the Four app. View your order history, track upcoming payments, and pay installments using your credit or debit card. Four sends payment reminders before each installment is due so you're never caught off guard.

### What is Four+?
Four+ is an optional monthly subscription that gives you access to additional premium retailers, special offers, and more ways to shop online. You can upgrade to Four+ from within the app at any time.

## Website

- [Home](https://www.paywithfour.com/): Main landing page with overview of Four's BNPL service
- [About](https://www.paywithfour.com/about): About Four Technologies — company info, licensing, and compliance
- [How It Works](https://www.paywithfour.com/how-it-works): Step-by-step guide on using Four for purchases
- [Download App](https://www.paywithfour.com/download-app): Get the Four app on iOS or Android
- [Careers](https://www.paywithfour.com/careers): Open roles at Four — join our lean, AI-first fintech team

## Apps

- [iOS App](https://apps.apple.com/us/app/four-buy-now-pay-later/id1527063669): Four app on the Apple App Store
- [Android App](https://play.google.com/store/apps/details?id=com.paywithfour): Four app on Google Play Store

## Social Media

- Instagram: https://www.instagram.com/paywithfour/
- Facebook: https://www.facebook.com/paywithfour/
- TikTok: https://www.tiktok.com/@paywithfour?lang=en
- X: https://x.com/paywithfour/
- LinkedIn: https://www.linkedin.com/company/paywithfour/


## Disclaimer
- Users must be 18 or older, a U.S. resident, and meet additional eligibility requirements. Not available in NM.
- By using the Four app, you agree to Four’s User Agreement and Privacy Policy.

## Other links

- [Contact Us](https://shopper.paywithfour.com/chat-support): Customer support and inquiries
- [Acceptable Use Policy](https://www.paywithfour.com/legal/acceptable-use-policy)
- [Privacy Policy](https://www.paywithfour.com/legal/privacy-policy)
- [User Agreement](https://www.paywithfour.com/legal/user-agreement)

## Contact Us
- Open the Four app > Account > Help Center > Send us a message.
- Click Contact Us at the bottom of our website (https://www.paywithfour.com/) to open a chat.
- Click the question mark (?) at the top of the Orders Page > Send us a Message.
- To submit a claim, click on your Order on the Orders Page > Report a Refund > Submit a claim