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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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However, I actually received the email some hours later after that purchase, but they said the new terms were in effect after the previous days, when I had more purchases using the deal.
That happened to me with both Pay in 4 and Pay Monthly. First with Pay Monthly.
The Pay Monthly came back in 8 days, which was a few days ago.
Pay in 4 has still not returned. And it has now been 8 days as of today. So who knows when it will return. I don't really care since I'm done with this deal.
If you want to successfully use this offer on two separate PayPal account, make sure to use different credit cards at each PayPal account, otherwise you will lose the offer and it will no longer show up at checkout via PayPal.(It will still show saved at your PayPal account, but you wont be able to use it).
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4 Denials. Kept trying to lower the $$ amount. Tried to unfreeze credit on the third (??) try. 4th was denied because too many attempts. Called for info. They sent me a message. rep said does not know why and cannot be shared.
Good credit and probably a 20 year customer with PayPal in good standing.
Pasting the message below. The message mentions to unfreeze credit. No no longer shows as an option for a purchase (pay in 4).
"There are several things you can do that could have an impact on your eligibility for Pay Later options.
PayPal Account
Ensure an established, positive relationship with PayPal.
Allow contact information updates to your PayPal account to fully process prior to applying.
Anytime information changes on your account, we consider the risk that it may not be you updating the information, and so we may take extra steps to prevent potential fraud.
Ensure your repayment method of choice is in the PayPal wallet and confirmed to ensure easy autopay setup, and successful down payment processing for Pay in 4.
Be mindful of the amount of open loans with PayPal.
Amount of open loans is taken into consideration during the decisioning process.
Credit History
Length of credit history.
Longer is typically better. If you have a short or limited financial history, it can be hard for us to assess your creditworthiness and your ability to repay the loan.
Be aware of your credit and repayment history, both with PayPal and your overall credit history.
This includes the number of loans you currently have opened.
Any late or declined payments, any previously charged off loans, or bankruptcy. A good payment history shows financial responsibility and can improve the chances of being approved. This includes purchases financed with PayPal Pay Later options.
Demonstrated ability to pay.
Things for you to think about include: Has your income or credit score recently changed? What is your total debt compared to your income?
Important information
A declined Pay in 4 or Pay Monthly application does not negatively impact your credit bureau score.
Applying too often for any credit product can result in a decline.
If you have a freeze on your credit report, you will need to temporarily lift the freeze with the credit reporting agencies before you apply for one of our Pay Later loan options.
If your application is declined, you can still use PayPal to check out securely with other payment methods in your wallet. We will send you a secure message in the PayPal Message Center by explaining why your application wasn't approved at this time.
Customer Service is not able to review, change, or give specific details regarding the outcome of any application decision for privacy reasons."
In my PayPal Activity, only the $251.85 transaction shows "Points pending".
Did I just get screwed by having the transaction essentially be split since the cheaper item is getting shipped?
The $991.88 purchase was already completed in my Activity log, the $251.85 transaction is listed as pending. So I figure if anything, the points should have applied to the one that was completed first?
I have no kind of emails related to receiving any points pending or otherwise. What does the email that confirms you earned points look like?
On paypal, it shows pending with the comment "20% cash back on one Pay Later purchase with PayPal"
That changed from thru 12/8 to one purchase. The purchased was dated 11/29, today.
I've tried on a phone, on a desktop, and no on a laptop. So I'm not sure what's going on. I have the offer saved and valid on my PayPal account, but I can't get past the checkout screen.
Edit: I also tried a work computer, so I don't think cookies or cache is the issue. Am I really going to have to create a new account for this to work?
Edit 2: Made a new account and still no dice.
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My credit report was updated today at Equifax, which is the one I had to unfreeze for PayPal.
I show 2 soft inquiries from PayPal.
I show 0 hard inquiries at all.
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