# Four \| Buy Now, Pay Later — user reviews > 1,826 indexed App Store user reviews of Four | Buy Now, Pay Later by Four Technologies, Inc, rated 4.80/5 from 112,121 ratings. - Source: https://appshunter.io/ios/app/four-buy-now-pay-later/id1527063669/reviews - App overview in markdown: https://appshunter.io/ios/app/four-buy-now-pay-later/id1527063669.md - Rating breakdown: 5★ 102,583 · 4★ 3,438 · 3★ 1,362 · 2★ 895 · 1★ 3,843 ## What do users think of Four | Buy Now, Pay Later? Overall sentiment: negative **Pros** - 💳 Convenient payment option - 🛒 Wide variety of stores - 🤑 Affordable payment plans - 📈 Increasing spending limits - 🤩 Great app experience **Cons** - 🤖 Poor customer service - ❌ Declined/canceled orders - 💰 Unauthorized charges - 🕰️ Slow refund processing - 🔒 Account/login issues **Commonly reported bugs** - Inconsistent app functionality - Incorrect payment processing - Inability to log in or access account **Most requested features** - Allow use of virtual cards with mobile wallets - Improve customer support channels - Provide more transparency on spending limits - Streamline order cancellation and refund process ## Newest reviews (10 of 1,826) ### 2/5 — Poor Support & Unresolved Spending Power Issue” *2026-08-24, version 1.17.82* Google Review ⭐️⭐️ Very frustrating experience with Four. I had about $1,200 in Spending Power before ordering from DTLR. DTLR repeatedly canceled my orders, and their support told me I was placing the order incorrectly, so I followed their instructions and tried again. After these cancellations, my Spending Power dropped to only $70, even though I barely use Four. Four confirmed my claims were approved and refunds are being processed, but my Spending Power still has not been corrected. I’ve also seen other customers report similar DTLR/Four issues, including cancellations affecting Spending Power. I pay for a monthly Four membership, yet I keep receiving automated/general responses instead of having someone investigate my account. I’m still waiting for Four to escalate this to a manager or supervisor, determine what caused the drastic decrease, and correct the issue. Customers shouldn’t have their Spending Power affected by retailer cancellation problems that are outside their control. ### 3/5 — Yeah Right *2026-08-24, version 1.17.82* Have a spending power but then when you select a store - now all of a sudden my spending power is 0. Dont believe the hype. ### 3/5 — Honest Review *2026-08-20, version 1.17.82* I enjoy the app but the subscription to use certain stores defeats the purpose of paying in four. Why would someone pay 12.99 to split pay? ### 1/5 — My money no items *2026-08-18, version 1.17.82* I m very upset I purchased my items through Walmart using four and took my money and I still don’t have my items I do not recommend using four my issue is not resolved ### 1/5 — Can’t spend UPDATE *2026-08-18, version 1.17.82* Says I have a $1,200 limit yet I can’t use it. Not sure if you can see, but the company responded to this review and told me to contact them. upon contacting them, I was greeted by an Ai robot who could not answer any questions. It kept repeating the same response over and over.. they do not have a customer service phone number, You can call to talk to a live agent and AI will not connect you with a human. DO NOT RECOMMEND ### 4/5 — A great payment app *2026-08-18, version 1.17.82* This app is so easy to use and has helped me financially in the times of need ### 5/5 — Love it *2026-08-17, version 1.17.82* I was able to buy my wife a birthday gift and it made her day💙 ### 5/5 — Works when it want *2026-08-17, version 1.17.82* If u are paying 12.99 a month u should be able to use the app when I want and not have to worry about the virtual card being sent by the retailer coming back saying use another form of method but the app is quick to deduct down payment out account should be able to work at all times and not being limited ### 5/5 — Love this app. *2026-08-16, version 1.17.82* Very easy to manage and it’s helpful around holidays. ### 5/5 — Good app *2026-08-16, version 1.17.82* Really good app comes in handy ## Most critical reviews (10 lowest-rated) ### 1/5 — No just no *2026-08-25, version 1.17.82* DO NOT USE THIS SCAM OF AN APP. The customer service is nonexistent. I’ve been using them for months with no problems and then all of a sudden yesterday the “card” I made was declined. So I had to cancel that transaction. Boom I’m out $40 and can’t buy groceries. Then I tried again today thinking it was just a simple mistake. WRONG. It wouldn’t let me even add the card this time and now I’m out another $40. F this company for real. ### 1/5 — The orders fail more than they work *2026-08-25, version 1.17.82* This app is so frustrating. There is no customer support, just an ai chatbot that loops with no real help ### 1/5 — Unresponsive *2026-08-23, version 1.17.82* I am disheartening that I pay the subscription fee so that I can shop at Walmart and use the pay with Four. I paid my total which was $22 and then I am not over the allotted amount which was $88 and the card continues to get declined. I reached out to customer service I got the AI bought and then I asked to speak to a real person and I’m just sitting here with nothing. I just want my refund at this point because very frustrated. ### 1/5 — Sucksss *2026-08-23, version 1.17.82* Was great until it wasn’t!!! I made one purchase, paid it off and now it says my limit is $300 but once I click a purchase it says it’s $0 ### 1/5 — No just no *2026-08-22, version 1.17.82* I typed up a whole review, I submitted the review, and somehow the review is missing. This company is absolutely horrible when you need to get in contact with customer service. The chat is AI controlled. They don’t transfer you to an actual person but send your suppose that question to customer service and you have to wait for an email back. Which I haven’t gotten an email back about my issue in over two weeks. I work for a private company that does payroll on different days and the reason that that’s an issue is because my bank pays me within 24 hours of receiving that pay payroll. So I typically get paid before payday so if payroll is done a day or two later, I’ll still get paid by the day I’m supposed to get paid but it would be later than I typically get paid. If you don’t make a payment within the 24 hours of when it was initially tried to come out then you get charged a seven dollar fee. Two weeks ago I ran into this problem with payroll was done two days later than normal so I received three separate seven dollar fees because I had three separate open transactions. Originally the AI Chatbot said that it could help me try to waive the late fees, but then I’ve never heard back from anyone and I have tried to send emails to the Support email that I received in reference to a different situation months ago and still haven’t received anything back. This app is hyped up a lot when I don’t think it necessarily should be. You have to get a subscription to be able to use the service services on certain websites. Just because it says you have an available balance doesn’t necessarily mean that entire balance is available to you. And in the many many months that I’ve been using the service, my available limit has not increased by very much. And I use it on a regular basis because if I’m going to spend at least $13 a month on a subscription, I’m gonna utilize every bit of that subscription that I can. ### 1/5 — Not worth signing up *2026-08-22, version 1.17.82* I will not recommend this app to my family or friends. No customer service rep is available to answer all your questions and concerns when you’re trying to speak to someone you have to speak to a boat which they don’t even understand!! ### 1/5 — No response from a human *2026-08-22, version 1.17.82* I made a virtual card. It didn’t work money was still taken out my bank account. The virtual card was with a selected vendor Walmart. It kept saying add another card this card can’t be used. I still have money taken out and a balance and never was able to complete a transaction. I keep getting this robot not a human to respond. ### 1/5 — Horrible customer service *2026-08-20, version 1.17.82* Trying to get ahold of someone is ridiculous I used the app they declined the payment but still charged me and now won’t accept my proof and keep rejecting my claim, scam of an app ### 1/5 — Good but ehh not for me *2026-08-20, version 1.17.82* At first it showed a 600$ start i was like heck yeah let me go to amazon, well turns out you have to pay an extra 12-13$ to even use amazon or walmart thru them, well thats okay i guess ill take the subscription, clicked on amazon app they only offer 180$ out of the 600$, okay... well good thing these boots are 150$ i order the boots, so i have about 450$ left on my account, i go to Walmart to buy socks, it only gives me 40$ of the 150$ to spend on there well thats sucks i need merino wool socks and maybe some soles, total car is 35$ it doesnt go thru its telling me spend lees than the 40$, canceled the subscription cause it just doesnt work at all, so they canceled my order thru amazon when it was already accepted they reall do want that subscription money i say save your time i know klarna, mayhe afterpay dont have you stuff like that ### 1/5 — 👎 *2026-08-20, version 1.17.82* This app is hyped more than it needs to be. You flirt s pending limit , let’s say $200. You use party of it and have a spending limit of $148. But days you can’t use it. But yet you still spend the monthly fee to be able to use make purchases at certain stores. What I noticed is once you place an order, you can’t use the services u till you pay off such order. Insane. ## Most praised reviews (10 highest-rated) ### 5/5 — Very Helpful *2026-08-23, version 1.17.82* Four is great when you really need something but your budget is short! ### 5/5 — Four *2026-08-23, version 1.17.82* I love this app ### 5/5 — Buena *2026-08-22, version 1.17.82* 5 star ### 5/5 — Saved me *2026-08-20, version 1.17.82* Really helped me out when my daughter was going to college ### 5/5 — ❤️ *2026-08-19, version 1.17.82* Very simple and easy to use no hassle ### 5/5 — Loving Four! *2026-08-19, version 1.17.82* Thank you Four for making life possible a few weeks at a time ;) ### 5/5 — I love it here *2026-08-18, version 1.17.82* They are the best hands down and they give you a very nice amount to start off with. Thank you ### 5/5 — Starting Limit *2026-08-18, version 1.17.82* For this to be something new for me it appears to be so far so good. My opening spending limit was reasonable I would say and both of my orders were approved. ### 5/5 — Love this app already!!! *2026-08-18, version 1.17.82* 😎👌 ### 5/5 — HIGHLY RECOMMEND *2026-08-18, version 1.17.82* Super convenient! love this app --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*