PayPal Brings Pay in 4 to Australian Stores
The buy-now-pay-later option can now be used at selected in-store retailers, with The Good Guys among the first national chains to offer it.
Updated on Nov. 5, 2026 in Retail
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PayPal has launched its Pay in 4 service for in-store purchases at selected Australian retailers, marking the first time the option is available at physical points of sale in the country. The service is enabled through a partnership with Quest Payment Systems.
Why it matters
The move brings a payment option already used online into bricks-and-mortar retail. PayPal Australia reports more than 9.5 million active customer accounts, and the rollout extends its buy-now-pay-later offering to shoppers in physical stores.
PayPal Australia reports more than 9.5 million active customer accounts, and 26% of Australians use buy-now-pay-later services. The source does not yet disclose how many in-store merchants are included or how in-store uptake compares with online use.
The players
PayPal
PayPal is a global digital payments company that operates the Pay in 4 buy-now-pay-later service.
The Good Guys
The Good Guys is an Australian electronics and appliance retail chain.
Quest Payment Systems
Quest Payment Systems is an Australian payment terminal provider whose terminals are used by major national retailers.
The details
Customers choose PayPal at checkout, scan a QR code on the terminal with their phone, log in to PayPal, and complete the purchase if eligible and approved. Pay in 4 splits eligible purchases into four interest-free payments and carries no late fees.
Timeline
5 November 2026: PayPal's Pay in 4 in-store launch is reported.
Market Landscape
The in-store launch extends PayPal's existing online Pay in 4 service into physical retail. Quest's terminals are also used by Coles Group, Australia Post, Aldi, Chemist Warehouse and BP, which could help the service reach a wider merchant base.
Shoppers at participating stores can now split eligible in-store purchases into four interest-free payments with no late fees. Customers should check whether their purchase is eligible and approved at checkout before relying on the option.
The takeaway
Pay in 4 offers interest-free instalments without late fees, but spreading costs over time still commits future budget. Compare the total amount owed across all instalments before using it for larger purchases.
Further reading
Explore more Australian retail coverage to see how payment options are changing in-store shopping.
Source note: This article includes information reported by eCommerceNews Australia.
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