Leave a Review Four | Buy Now, Pay Later
Not updating payments and now being charged late fees
So this is my 1st time using this app, and was easy to sign up and use. I was approved for $200, but only allowed to spend $100 until I can show I have good payment history. Ok, fine. So they have this option to avoid this fee when paying an installment that comes from autopay IF you pay the installment early. So I did. However, payment was made yet doesn’t reflect on the app. It went through on my end and I even took a screenshot of the payment taken from my bank account. So on the day the actual installment payment was due, the app attempted to take that payment anyways even though I already paid it. Of course I don't have it, so now the app is showing I haven’t paid the installment and now it looks like I’m late on payments. I wanted to finish this purchase early so i can do another one, but I'm just going to go ahead and finish off my zip app payment early instead so I can use that one. They need to fix this app so payments actually show up on their endShow lessTrgonza82
Developer Response
We’re so sorry that you’ve run into technical trouble. We would love to hear from you so we can help! Please reach out to us at support@paywithfour.comPayments not posting
Love Four! However I have been getting emails stating that a payment was missed which is odd because I have more than enough money in my account. I try to manually make the payments through the app and I keep getting error messages stating there was an issue with my payment method and to try again. And I keep getting this message with every card I try to use. I have deleted the app and downloaded again, and nothing works in regards to paying for my orders. I’m trying to finish Christmas shopping and am getting a bit panicked as I can’t place any new orders until my current payments are made but they are not processing, I am unable to pay them automatically or manually. I reached out for help via Four chat and haven’t gotten a response yet. Not sure if it was an app issue or update that is causing this but I really need to be able to use my account and make payments. Help would very much be appreciated.Show lessASpna79
Developer Response
We’re so sorry that you’ve run into technical trouble. We would love to hear from you so we can help! Please reach out to us at support@paywithfour.com.Unable to get past the verification code
Enter all my information, put the verification code in. Then nothing happens. It just sits there.Jordi1997
Great when it works
Have used it for multiple purchases for past two years, paid off every single one on time no issues; have high spending limit. The last six purchases all have been canceled by walmart and wayfair. I wait to get refunded. not sure what’s going on. the cards they give out when you check out may be black listed no idea. the only one that worked every time is Osprey; i don’t see that anymore either. Love to use this for walmart but immediately the purchase is flagged for fraud. I gave this five stars here and on IG; but now?? I see a very bad trend here in nearly ALL BNPL. it seems one is penalized if they actually pay off their ‘loans’ on time. i’ve been paid klarna off in full before the due dates and they seem to just find it insulting and penalize you for doing so.. just so oddShow lessphk101
Developer Response
We understand how frustrating that would be and extend our apologies for your experience. Our Support team would love to be able to help! Please reach out to us at support@paywithfour.com4 minus 4 equals help from customer service
There’s is absolutely no customer support. It’s shameful. No responses, though the app shows cs people available. When the app works it’s great—but do not count on getting help when it doesn’t.
Response to Developer’s Response: if you know how frustrating it is, why aren’t you fixing it? There is an obvious problem with customer support (both in response time and quality of help), but nothing changes. Simply offering a hollow apology means nothing to users of the app; if you actually meant it and cared, you would fix the problem. Your cs department is broken, horribly so, and with an app that is already loaded with bugs, glitches, and unexplained rejections, a responsive cs department is vital. Right now, FOUR is failing many users and will continue to do so until the problems in customer service are aggressively and comprehensively addressed.Show lessprufrock88
Developer Response
We understand how frustrating that would be and extend our apologies for your experience. Our Support team would love to be able to help! Please reach out to us at support@paywithfour.comTerrible App 👎🏾
Nothing loads after you put the verification code . Out there just stealing peoples informationNai758
Love it
I’m not one to write reviews but I feel this is needed. I’ve been using Four for about a year now and it’s usually just to treat myself. I’ve received refunds and done returns with no issue, customer service is always transparent with the turn around time but I usually receive my refund either same day or the following. The stores really need to be improved or they need to implement a debit card that can be used anywhere, not just specific sites. Overall, this is the best pay in 4, they don’t charge extra fees per purchase and randomly run credit checks. Great app and I hope it continues, take all negative reviews with a grain of salt, if you’re doing everything correctly you should have no problems. I’ve never had an order canceled or marked as fraud.Show lessMisstashi
Developer Response
Thanks so much for your lovely review! We’re so excited that you prefer using Four over others. We’re adding new retailers all the time and hope that you'll find something that you like in the future. Please feel free to get in touch at support@paywithfour.com if you need anything in the future. Have a great day!Saves you in a pinch!
Four is one of the few Pay in 4 apps that I love to use and I’ve never (knock on wood) had a bad experience. Responses from customer service could be quo and a little more helpful but overall Four is fantastic. I’ve been using work awhile and my limits increased which shows the value me as a customer who makes every payment on time. I’ve submitted requests to add a few stores but so far no luck, but Four has gotten so much better than when I first started using it! You won’t regret using Four, it’s really helpful for budgeting too! Can’t wait for more popular stores like Victoria Secret to be added!Show lessDaleJr88Fanatic
Not looking past the non-stop issues anymore!!
Read on.... Like the other 50+ reviews in the last 2 months or so have mentioned. It's a failure now. I have been a loyal Four supporter & consumer. I have spent thousands of dollars through their app. My limit is well above $1000. Yesterday, I went to create a Four card for my $375 purchase and a new "error message" stating to try a lower amount comes up. I had close to $1000 available to spend per their calculations. Of course I just paid my balance way down from year end purchase.
I was willing to look past their issues like charging my debit card even when I would cancel the card/purchase, a few duplicate charges (which they wouldn't fix even though they acknowledged), and a faulty app in general.
It looks like they have gained some momentum with new users, but it won't last considering how they conduct business. You've lost another loyal customer!!!Show lessJackson not happy at all
Developer Response
Thanks so much for your review—I’m sorry to hear about the trouble! We’re adding new retailers all the time and hope you’ll shop with them in the future. If you were overcharged, we would love to look into it for you and refund you for anything overpaid. Please feel free to get in touch at support@paywithfour.com. Have a great day!Pretty great!
I’ve used a few BNPL apps. Some are good and some arent. This is one of the good ones. I’ve used it 3 times now and completed each order on time. So the only thing I’m waiting to see is how long it’ll take for my available spending balance to go up. It increased after the first order by a lot but since then it’s stayed the same. Based off my income I would think it would be a higher amount but so I’m assuming it will continue to increase once they know I pay my orders off with a couple completed transactions.
But otherwise I’m pretty happy with the app. I use it at beauty supply stores, like sephora and Ulta, so I like that those are on the available to use list. I’m hoping they add some nail/manicure supply retailers soon !Show lessJenn3117
Developer Response
Thank you for your lovely review—we’re excited you are enjoying the app! It's important that shopping with us is fun and convenient. Thank you for the suggestion for additional beauty supply stores also! If you’re still running into trouble with your spending balance, please reach out to us at support@paywithfour.com if you haven't already. We look forward to helping out!
