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PayPal may at any time and in its sole discretion, without prior notice, terminate, cancel, suspend or modify this offer or these terms."Eligible Participant": Open only to residents of any one (1) of the fifty (50) United States or the District of Columbia or select U.S. Territories who: (1) are eighteen (18) years of age or older, (2) have a U.S. personal account with PayPal that remains in good standing through Reward fulfillment ("PayPal Account"), and (3) receive an in app banner, email or other presentation inviting participation in the Offer and save the Offer ("Invitation") (eligibility for those who receive the Invitation will be determined solely by PayPal). "Offer Period": Starts on October 6, 2025, at 12:00:00 a.m. PT and ends on the earlier of December 31, 2025, at 11:59:59 p.m. PT or when the maximum number of PayPal Rewards Points available under this Offer for all Eligible Participants is reached. "Special Offer Period": Starts on November 17, 2025, at 12:00:00 a.m. PT and ends on the earlier of December 8, 2025, at 11:59:59 p.m. PT or when the maximum number of PayPal Rewards Points available under this Offer for all Eligible Participants is reached. How it Works: The Offer allows Eligible Participants to earn PayPal Rewards Points ("Points") equivalent to 5% cash back on one or more Eligible Purchases during the Offer Period up to $5,000 spent. Eligible Participant must save the Offer through the Invitation once and then successfully complete one (1) or more Eligible Purchases during the Offer Period. For each Eligible Purchase, each Eligible Participant will receive a maximum of 25000 Points, which can be redeemed for $250 cash or other options (the "Reward") per Eligible Purchase. Reward will no longer be earned once the Offer Period has ended. There is a maximum total of 1,500,000,000 Points available under this offer for all Eligible Participants who have saved the offer and made an Eligible Purchase. Rewards will no longer be available once this limit is reached. If the maximum total of Points available is reached before the end of the Offer Period, this offer will end early. During the Special Offer Period, Eligible Participants will earn Points equivalent to 20% cash back on one or more Eligible Purchases up to $1,250 spent. The receipt and redemption of Points is subject to the PayPal Rewards Agreement. "Eligible Purchase(s)": Eligible Purchases are purchases made using either Pay in 4 or Pay Monthly that are completed during the Offer Period by an Eligible Participant who has saved the Offer. Eligible Purchases do not include: (1) purchases that are marked as "pending" as of the end of the Offer Period, (2) purchases with Pay in 4 where the first payment has not been successfully processed, (3) any purchase or portion of a purchase that involves a payment method other than Pay in 4 or Pay Monthly; (4) purchases made at a merchant who enrolled in Pay Later within 30 days prior to the start of the promotion; and (5) any purchase involving non-profit organizations, gambling, security brokers/dealers, foreign currency/money orders, and stored value cards. Satisfaction of Eligible Purchase criteria will be determined solely by PayPal. Reward Redemption: Reward should be available in Eligible Participant's Account Overview section of the PayPal Account to redeem for cash and other redemption options within fourteen (14) days after qualifying to receive the Reward, although may take longer. See the "Redeeming Points" section of the PayPal Rewards Agreement for details. Miscellaneous: Participation in offer is subject to the PayPal User Agreement, PayPal Rewards Agreement and the underlying Pay in 4/Pay Monthly loan agreement(s) to each Eligible Purchase. Similar offers may run at the same time; qualification for this offer does not constitute qualification for any other offer. PayPal is not responsible and/or liable if any e-mail, Reward, or offer-related materials or correspondence are not delivered for any reason. This offer is only redeemable in its originally published form. Account Review and Reward Adjustments: PayPal may review accounts and purchases related to this offer at any time. If Eligible Purchases are refunded or if loan payments are not completed as agreed, PayPal may delay or reverse your Reward without prior notice. PayPal also reserves the right to deny or reverse Rewards should an account show patterns of abuse, fraud or exploitation of the program. Important Credit Information: Pay in 4 and Pay Monthly are loan products. Missing payments or defaulting on these loans may negatively impact your credit score and credit history. Pay in 4 is available to consumers upon approval for purchases of $30 - $1500. Pay in 4 is currently not available to residents of MO. Offer availability depends on the merchant and also may not be available for recurring, subscription services. When applying, a soft credit check may be needed, but will not affect your credit score. You must be 18 years old or older to apply. PayPal, Inc.: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. GA Installment Lender Licensee, NMLS #910457. NM residents: Find more disclosures related to Pay in 4. RI Small Loan Lender Licensee. Pay Monthly is subject to consumer credit approval and eligibility. Fixed APR is 9.99-35.99%. Eligibility varies and exclusions may apply. Terms and rates vary based on purchase amount and your credit. Payments may change based on shipping, taxes, updates to your purchase, or missed payments. Availability depends on the merchant and may not be available for subscriptions or recurring payments. Pay Monthly is currently not available to residents of AK, CT, HI or WA. You must be 18 years old or older to apply. Missed payments may have an impact on your credit score. The lender for Pay Monthly is WebBank. PayPal, Inc. (NMLS #910457): RI Loan Broker Licensee. VT Loan Solicitation Licensee. VT residents: THIS IS A LOAN SOLICITATION ONLY. PAYPAL, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS. |
The terms spelled out above are the original terms. The terms have been modified. See this link for current terms https://www.paypal.com/us/campaig...ffer-terms
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11/26/2025 10:28am PST Update: This is now limited to ONE transaction, with 20% rewards back up to $1,250. Paypal email memo notes that the promotion for spend on multiple transactions prior to the notification will be honored.
Walmart:
1) you have to make sure Paypal is not a saved method of payment in your wallet. If so, go into your account and remove it
2) When you are in checkout, uncheck the box that says Remember Paypal as a payment option.
CHASE CARDS NOT ELIGIBLE
Here is what was sent to my message folder on Paypal. Not the A.I. chatbox.
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I have checked your account and see that there is a purchase with Walmart.com for $XXX.xx USD using Pay in 4 and it is completed.Please be assured you are eligible for offer and you will get the points for it. Also, I would suggest you to not make the complete payment at this moment to avoid any issue with the offer. You can make the complete payment after 14 days. |
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The change is meant to defacto end the program without shutting it off completely.
If you want to discuss what prompted them to make the change, MANY reasons.
One of those reasons: The incessant calls and communications and emails to paypal, merchants, and everybody else NOT about the benefits of the promo but about it's implementation, nitpicking every words, when are my points going to convert, I don't see the options, why won't my merchant participate, will Chase let me, I didn't get a confirmation email, is a gift certificate a structured gift card, can I use a VPN for Morocco.....so much pressure they had no choice but to relieve it with a single stroke. No one wants to handle these silly questions, driven by the SD effect, over TG and BF holidays.
No one abused the process, PP could do whatever they wanted. They have the final say on points pending and they can do whatever they want in the end. You don't need to change the terms to decide how you adjudicated the points in the end. You change the terms to stop the GD phone calls and emails and endless bickering with PP, the merchants, and anyone else connected with the program........
Abuse helped drive this but we have found there is a reason for SD rules #1 and if you don't start obeying it, promos will take more drastic action to prevent abuse when they get bombarded.
Not saying that is what will happen, just thinking from PayPal's possible viewpoint.
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Don't be silly.
The change is meant to defacto end the program without shutting it off completely.
If you want to discuss what prompted them to make the change, MANY reasons.
One of those reasons: The incessant calls and communications and emails to paypal, merchants, and everybody else NOT about the benefits of the promo but about it's implementation, nitpicking every words, when are my points going to convert, I don't see the options, why won't my merchant participate, will Chase let me, I didn't get a confirmation email, is a gift certificate a structured gift card, can I use a VPN for Morocco.....so much pressure they had no choice but to relieve it with a single stroke. No one wants to handle these silly questions, driven by the SD effect, over TG and BF holidays.
No one abused the process, PP could do whatever they wanted. They have the final say on points pending and they can do whatever they want in the end. You don't need to change the terms to decide how you adjudicated the points in the end. You change the terms to stop the GD phone calls and emails and endless bickering with PP, the merchants, and anyone else connected with the program........
Abuse helped drive this but we have found there is a reason for SD rules #1 and if you don't start obeying it, promos will take more drastic action to prevent abuse when they get bombarded.
Rule #3 is don't be silly
My Pay in 4 disappeared 5 days ago and still hasn't returned.
There's no guarantee when it will return.
When you call and don't like the answer you hear which is usually a non-answer from Paypal, you argue, you demand a fix, you ask for credits, you point them to forums where people are saying things, you send screenshots, you call ask for a manager, you call again and again hoping for a different answer.....they wanted the madness to stop and they right ended it; that's for sure.
You were part of the problem.
PP can withstand the abuse; that's what they do. They pend points, they flag suspicious accounts, they review receipts, the limit open revolving payment plans, they have a returns process in place, they have all kinds of ways to deal with the abuse. What they can't control is the calling and the unnecessary and excessive customer contacts about the promo. If you call looking for a black dress, maybe they help you Manateeeeeee. But yeah, it's the "telephone" abuse that does it every time youngster. That's part of what happened here. You'll learn for next time.
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Rule #3 is don't be silly
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