Shop your favorite online stores and split purchases into four interest-free payments. Manage all your orders and payment schedules in one convenient app, with optional upgrades for exclusive benefits.
Reviews of Four | Buy Now, Pay Later are mostly negative: the Shopping app is rated 4.8/5 from 123K App Store ratings. What users like most: convenient payment option, wide variety of stores. Top complaints: poor customer service, declined/canceled orders. Summarized from real user reviews.
1.17.89
October 7, 2026
Bug fixes and improvements to make your shopping experience better than ever!
3 issues
Inconsistent app functionality
Incorrect payment processing
4 requests
Allow use of virtual cards with mobile wallets
Improve customer support channels
This app allows you to shop at hundreds of online retailers and split your purchases into four equal payments. The payments are scheduled to be paid every two weeks, making it easier to manage your spending and stay on budget while shopping online.
When you choose to pay with Four at a partner retailer, your purchase is split into four payments. The first payment is made at the time of purchase, and the remaining three payments are automatically charged every two weeks. This provides a clear and predictable payment schedule.
The core functionality of splitting purchases into four payments is typically interest-free. However, there is an optional upgrade called Four+ that offers access to exclusive stores and special offers, which may have associated costs or benefits.
Users must be 18 years or older and a U.S. resident to use the app. Additional eligibility requirements may apply, and the service is not available in New Mexico.
Users benefit from a simplified and flexible shopping experience. The app consolidates all your orders and payment methods in one place, offers predictable payment schedules, and provides helpful reminders to avoid missed payments. It also offers access to a wide range of online retailers.
