How to Split a Payment on PayPal & Other Frequently Asked Questions

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Detailed info on using PayPal to split purchases into multiple payments

Co-authored by Darlene Antonelli, MA Reviewed by Luigi Oppido

Last Updated: November 14, 2024 Fact Checked

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Splitting the Bill in PayPal

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Splitting the Bill on Partnered Sites

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Using Pay in 4

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FAQ

Are you wondering whether you can split the bill with friends or between cards on your PayPal account? The answer is not as simple as Yes or No, because some retailers offer the split payment feature and others don't. Read on to learn more about splitting the bill in PayPal as well as using multiple cards in a single transaction.

Quick Steps

Click or tap ☰ or ⋮.
Select Split bill.
Enter the bill amount and who you're sharing it with.
Click or tap Request Now.

Section 1 of 4:

Splitting the Bill in PayPal

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1
Click or tap ☰ (mobile app) or ⋮ (website). This feature allows you to collect money from others so you can pay for only your share of a product or service.
- For example, if you go to a group lunch, you can use the Split Bill feature so you only pay for your portion of the meal.
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Click or tap Split the bill (mobile app) or Split a bill (website). If you're using the app, scroll down a bit to find this option under the "Get paid" header.
- If you're using the website, the Split a bill option will be near the top of the expanded menu.
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The app or website will automatically calculate how much you owe based on how many people are paying for the bill.
This sends a money request to the people you've added to the bill a money request. They simply need to select Pay Now to pay their portion of the bill.^{[1]
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Section 2 of 4:

Splitting the Bill on Partnered Sites

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1
Select PayPal at checkout. Some sites, like Fandango.com, shop.coop.co.uk, aveloair.com, and Hello Fresh, allow you to immediately split the bill so multiple people can pay at once.
- This is a great option if you're part of a group going to the movie theater so everyone can pay their share.
Include everyone you're splitting the cost with.
Money requests are sent to everyone on the bill, and they can easily tap Pay Now to pay.

Section 3 of 4:

Using Pay in 4

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Select Pay in 4 if available. Pay in 4 is a "buy now, pay later" feature from PayPal that allows you to split an online purchase into four smaller payments, your first being the day of purchase and three more payments every 15 days.
- Pay in 4 is only available for most online transactions between $30-$1,5000 when you use PayPal to checkout. Seeing the button is not a guarantee; not everyone who applies for the loan is approved.^{[2]
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Section 4 of 4:

FAQ

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Can I pay using two different cards? Yes and no. Some merchants offer the ability to pay with more than one card, while others do not. If you see the option to use more than one card, that's great! Unfortunately, you cannot make the feature available if the merchant doesn't offer it.
- Even if split payments were available in the past, this feature isn't guaranteed to be offered in the future.
If the feature is available with the merchant, sign in with PayPal, then select at least two cards (credit card, debit card, or bank account) to pay for the transaction.^{[3]
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No. Applying for Pay in 4 will not impact your credit score as it uses only a soft credit check to see if you're eligible.