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Buy what you love now and pay later with PayPal

Pay in 4 offers flexibility to break payments up over time.

Interest free, fortnightly payments

Available for qualifying purchases of $30- $2,000.
Learn more
PayPal Pay in Four.

How it works

No late fees or sign-up fees

Choose to pay in 4 instalments.

A decision in seconds

If approved, complete the purchase with Pay Later.

Pay with the PayPal app or online

Easily manage your purchases with automatic payments.

Checkout securely

Trust PayPal to help keep your transaction secure.

What to do at checkout

Step 1: Change your payment method

At checkout, select “Change” to modify your saved Payment method. New customers can skip to Step 3.
Log in and shop

Step 2: Select “Choose a different way to pay”

Even if you’ve saved PayPal in your payment methods, you still need to choose a different way to pay.

Step 3: Choose a way to pay

Select “Flexible payments.”

Step 4: Select PayPal Pay Later or Pay Now

You’ll be redirected to PayPal to complete your purchase and manage your payments.

Frequently asked questions

  • PayPal Pay in 4 is available in Australia and lets customers buy now and pay later. 

  • Microsoft does not extend credit and does not determine credit terms or eligibility. 

  • Recurring subscriptions, one- time purchase prepaid subscriptions, and pre-orders are excluded from PayPal Pay in 4. For pre-orders, please use a credit card to ensure that you are charged only when your order ships.

  • PayPal Pay in 4 lets eligible customers buy now and pay later with no interest or late fees on eligible purchases between $30-$2,000. See the “Learn more” links above to explore more about PayPal Pay in 4. 

  • If your purchase at Microsoft Store is not completed, you will not be charged. 

  • PayPal purchases show up in the Payments section under Payment Options.

  • Microsoft Store’s refund policy applies to purchases, including purchases made using PayPal. Learn more about returning items you bought from Microsoft Store for exchange or refund. If you need to return your physical product after your purchase, and are within the 60-day return policy, you will be refunded just as you would with a regular credit card. 

  • Yes, if you request the price adjustment within 60 days of your delivery date, and otherwise meet the terms of the Microsoft Store Price Promise, you’re eligible for a price adjustment. You’ll need to contact Microsoft Store Sales and Support with your order number to receive your adjustment.   

  • PayPal Pay in 4 can be used for gift cards, but not for one-time paid or recurring subscriptions at Microsoft Store.

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Why shop at Microsoft Store

From free shipping and returns to expert support, we’re here to help you do more with best-in-class devices, software, games and resources. Learn more

Fast, free shipping

Enjoy hassle-free online shopping with free next day shipping for Sydney and Melbourne metro areas.
Learn more

60-day return policy

Try out a Surface for 60 days. If you're not satisfied for any reason, return it in like-new condition in its original packaging.
Learn more about returns

60-day low price promise

If you buy a Surface from us and our price drops within 60 days of your purchase, we'll refund the difference.
Contact us for a price adjustment

90 days free support

Having issues? We're here to help. Every Surface comes with free technical phone assistance for the first 90 days after purchase.
Contact us
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