Four | Buy Now, Pay Later Customer Service

Four | Buy Now, Pay Later Positive Reviews

Started off great but quickly went down hill.Four is fairly easy to use and is accepted by many of the stores the others with similar services provide which is the great part. Where things begin to turn is in the customer service department or lack there of. The lack of timely responsiveness regarding issues with app and the holds placed on funds in your account and then issues when you go to checkout from a store are ridiculous. They leave you without your order and now your 1st payment is on hold until it “falls off” and banks can’t do anything to get your funds back to you because it’s a “pending” transaction. This has happened to a few people I know and I’m currently without merchandise or my money. It took multiple attempts to reach someone only to be told by email they would forward my request to another department. Unfortunately for me I’ve had enough and once I can get my funds released I’ll be discontinuing use..Dlr12Version: 1.10.28

You have to learn their algorithm basicallySo I see this app getting so much hate I just had to leave a review & I NEVER leave reviews. Okay so first off, there is a method to their madness!(This is all based on my observations using the app btw). I feel like they don’t allow you to “do too much” & they are encouraging healthy spending. I have a $300 limit and I never have more than 2 orders out both no more than $75 & my orders always go through. I did have a hiccup with them when I 1st downloaded the app but it was quickly resolved & I’ve had no problems since. I have sent emails out & have waited a max of 2days for a response so I do understand everyone’s frustration there. Other than that it’s a great app! I’ve consistently ordered from Dior & Macys with no problem! Just don’t try & use your whole balance with 1 order because you’ll likely be denied(if that’s not for you then this app probably isn’t for you either)..HellsBellsMelsVersion: 1.15.91

Excellent experienceI have been using four for about 6 months now. It has been amazing to have. Tho I make a decent amount of money with my job. I still wish I was able to buy the things I wanted when I wanted them. I know my limits finically so I never go over my budget boundaries but if I want it I am able to get it now vs waiting a few wks or so to get it. I always pay things off before they are do and have found approved amounts go up every few wks but never more than every 8 wks or so. I started with an approved amount of $2k. I never use that much but now my account approval allows up to $2,500 and rising. I love the fact they also gave great customer service and is always willing to help when your not 100% sure on things before you buy the things you want they will guide you if you need that. But over all I rate them at above a 5 star. Don’t over spend your self finically and you will be fine. :).EMT7911Version: 1.16.23

ThankfulNothing is easy when you have a terrible credit score. Rebuilding it slowly over time can be frustrating especially when all you get is places that deny you. I wasn’t expecting anything different when I saw this app. But I was wrong what a great opportunity four gave me. They gave me a reasonable spending limit that I can use at a wide range of different stores! I have been able to make purchases I otherwise wouldn’t be able to make and split that payment into a few payments making it easy pay off and build my credit all at the same time! Thank you for giving those who are trying to get back on track! This is definitely a great site even if you don’t need to repair your credit and are just looking for a way to shop and make smaller payments I would tell anyone to try four!.ExpressoUVersion: 1.15.81

Not the greatestPros: it works just like the other pay in four apps so it’s not complicated, it a wide range of stores to choose from Cons: It take the $ from your bank account rather the order went through successfully or not so you have to wait for all that to clear up before you get your money back. I had an order from Walmart get cancelled and it took like a week and a half for that money to return to my bank account because they had to “investigate” AFTER I sent them an email because they didn’t catch the cancellation on their own for some odd reason. I had another order from a vinyl store that never processed with the actual store but Four charged me for. Four did nothing really to try and rectify the situation. Luckily the store saw it happening a lot through the Four app and said that they’d fulfill my order still. That store no longer takes Four as an option for payment though. They have a few minor glitches to sort through. Would be a good app if they took the time to fix them..SMarieFergVersion: 1.14.72

Love this concept it not the bugs!I think this is a great concept and really enjoyed/loved it until 2 of my orders were canceled and then I was charged for the 1st installments anyway. I had to ask for refunds and it took 2 weeks to get them. QuadPay isn’t like this. If the order cancels for some reason, they won’t take the 1st installment until the Seller actually charges the QuadPay Virtual Card. The most that is bothering me is that I have not been able to log into their app for 2 weeks. They keep telling me they are aware of this issue and they are fixing it. I don’t understand why it’s taking this long. I can’t change my payment method or shop. Today it said there was an update 22 hours ago, I got excited and updated the App, still doesn’t work! I tried resetting my password many times, it says my password was changed,but when I try to log in with the new password, it won’t accept it. This has been very frustrating. FOUR, please fix this issue... so I can love this app again! 🤨.Jaz100AjVersion: 1.10.5

Lots of room for improvementIt’s good, but could be better. Not the most user friendly, I feel like for every little thing I need to contact customer service, which isn’t ideal. They add on a lot of new stores frequently which is great, but with how troublesome the app is it’s almost not worth purchasing. I can never get the card to generate at checkout like it’s supposed to. Customer service advises it will automatically populate at the bottom of the screen when you’re at the payment tab to order, but that has never happened for me. I always have to contact customer service for assistance, only to be told they’ll escalate the issue to someone else, or that the store is down for maintenance. Their customer service chat platform is horrible. When a rep finally connects to help, it’s not a live chat like I would hope, or like other stores have for customer service chats. A live chat would work so much better, because right now it works like an email system. Their competitors are much better, hopefully they’ll make improvements..HelllorosieVersion: 1.9.0

Poor communicationThe set-up of the account is very easy. First payment plan was smooth as well. This app was referred to me by someone else. Paying for a subscription where none of the apps work is not good. I’ve reached out for help regarding this matter multiple times and received no response from the company. Besides letting me know I have upcoming payments for orders and the monthly subscription that doesn’t work. The money will get taken from my account but will decline from third party as “insufficient funds”. When trying to log-in your account through this app, every-time you click on a new screen it makes you log-in again….Wondering if there’s some type of glitch or error on the backend that they are not making their customers aware of. Just be prepared to not have your questions answered (or a long wait period) via email as there right away response from customer service. I’ve never left a review for an app before but this is a bit frustrating.._callmemonieVersion: 1.16.42

First Time 4 UserI made a purchase via retailer website that offered Pay4 and used it. I was happy to be able to split my purchase in four payments. Now the problem I have is not being able to sign into the app so I can pay ahead. I have reached out to customer support several times and have been told that the app was experiencing tech issues. I tried again three days later and same thing. Sent another message to customer support and the reply I received on this was advising that my issue was being forwarded to their app IT and still not able to sign in to the app. I am currently waiting on a reply from the cash team and hoping my payment can be made. All my replies have been positive and can’t say Pay 4 is bad, just probably only going to use it this time only, as I would rather use Affirm to pay for purchases as they offer up to 12 months to pay and interest paid is fairly low if you pay ahead. Plus the app is very user friendly..FSJR 1982Version: 1.10.2

Love itI’m not one to write reviews but I feel this is needed. I’ve been using Four for about a year now and it’s usually just to treat myself. I’ve received refunds and done returns with no issue, customer service is always transparent with the turn around time but I usually receive my refund either same day or the following. The stores really need to be improved or they need to implement a debit card that can be used anywhere, not just specific sites. Overall, this is the best pay in 4, they don’t charge extra fees per purchase and randomly run credit checks. Great app and I hope it continues, take all negative reviews with a grain of salt, if you’re doing everything correctly you should have no problems. I’ve never had an order canceled or marked as fraud..MisstashiVersion: 1.15.09

Good, but I had an issueThe app is great because you could see the dozens of stores this app works with, but I had an issue while ordering NerdECrafter’s “Not Another Crap Kit.” When I ordered the kit, I paid the first installment just fine, but later on, when I tried to make an account to see my balance due, I couldn’t see it in the app. I contacted the costumer service through email and got a response that did not make sense. I tried to ask again in a different way, but it was still confusing. They basically said that if I made an account with the app, that the order will not show up on a browser (?) and vice versa. I just wanted to see how much I had paid off, and I still cannot see it I paid everything or not. I assume that my payments have been covered because I’ve received emails about it, but I’m a little unsure about that. Hopefully you get that fixed or it works (if I did something incorrect of course)..ShaAriMalVersion: 1.10.2

I love this app!!So hear me out, I know there are some nasty reviews on here: Pretty good app for installment payments, especially if you like discovering new stores and supporting small businesses. I’ve enjoyed using them. I can’t think of any cons, but here are some things worth mentioning to people who are considering using Four: - If you place an order and it gets refunded, it can take several days to update. In my case, the entire order was refunded immediately and they hadn’t reimbursed me for my initial payment in 2 weeks. I was able to get this corrected by emailing customer support but it did take a few days. - Sometimes certain stores can’t verify the card Four gives you, so the hold on your bank account for the initial payment is still there. It takes a few days to clear and release that money back to you. Overall, I think it’s a good payment installment app. I like discovering new stores and love that Michael’s is on there most of the time. After placing some orders, my limit was increased so that was a nice surprise. There are some kinks for them to work out, like with any type of software, but I haven’t had any major issues like some of the other reviewers..Never Enough PolishVersion: 1.10.19

Pretty great!I’ve used a few BNPL apps. Some are good and some arent. This is one of the good ones. I’ve used it 3 times now and completed each order on time. So the only thing I’m waiting to see is how long it’ll take for my available spending balance to go up. It increased after the first order by a lot but since then it’s stayed the same. Based off my income I would think it would be a higher amount but so I’m assuming it will continue to increase once they know I pay my orders off with a couple completed transactions. But otherwise I’m pretty happy with the app. I use it at beauty supply stores, like sephora and Ulta, so I like that those are on the available to use list. I’m hoping they add some nail/manicure supply retailers soon !.Jenn3117Version: 1.15.05

Mixed feelings about this appI’m not exactly sure how I feel about this app yet. I have a $600 spending limit and have had this limit for over a year now. It just seems like there is always an issue when I go to check out. A few times they wouldn’t accept my order saying it was in their discretion to do so (even though it was under my spending limit). Another time I kept getting an error about my address being incorrect even though everything was up to date and matched my billing address as well. I finally did get 2 orders to go through last night which I was happy about but it did take a few try’s. I’ve just never had those issues with any other pay in 4 apps. Whatever your spending limit is, it is, and it’s not up to “discretion” after that. Just give the limit you’re going to allow your customers to use..Grid App ReviewVersion: 1.16.21

Great when it worksHave used it for multiple purchases for past two years, paid off every single one on time no issues; have high spending limit. The last six purchases all have been canceled by walmart and wayfair. I wait to get refunded. not sure what’s going on. the cards they give out when you check out may be black listed no idea. the only one that worked every time is Osprey; i don’t see that anymore either. Love to use this for walmart but immediately the purchase is flagged for fraud. I gave this five stars here and on IG; but now?? I see a very bad trend here in nearly ALL BNPL. it seems one is penalized if they actually pay off their ‘loans’ on time. i’ve been paid klarna off in full before the due dates and they seem to just find it insulting and penalize you for doing so.. just so odd.Phk101Version: 1.15.55

I hate fourI bought four plus so I could go shop at Walmart, I add as many bank accounts as I can so I could get a higher spending power and I try to find the lowest possible price for the item that I want because for some reason they kept adding 10% to my order to cover taxes EVEN THOUGH THE AMOUNT I WAS PUTTING IN WAS COVERJNG NY TAXES AND SHIPPING. Just for them to TELL ME. That the order is too big and I would have to start with something smaller so now I’m sitting here waiting for my 10 dollars back thinking about how it’s so stupid to put a spending limit IF I CANT EVEN USE AMOUNT like this wannabe Afterpay is trash the only reason it’s gonna even take up space in my phone is so I can get my 10 dollars back and than I’m deleting it.Dannyp222Version: 1.15.97

Like Any Major Pay with 4 appThis app may be a newer less known pay for 4 app, but it works all the same. Of course they monitor spending habits and access payment history on a regular basis. No you may not be approved to spend a large amount at first as a part of risk management, you may have to make a lower purchase. I like it so far made two orders, one for 98$ and another for 108$. It did deny me a couple of days ago when I tried to spend 166$ on shoes but that may be because I was on my last 100$ in the bank but when I got paid today, I attempted and it allowed me to spend 108$ at foot locker. I’ve also been denied from other pay in 4 for certain purchases so it’s all one in the same..CDDRI30Version: 1.15.67

BETTER THAN ALL THE REST!!!I LOVE this App!!! FOUR is better than all the other pay for apps!! Better selection of stores to choose from, availability to raise ur amount by linking ur checking accounts and best of all u can recommend stores or sites that u love shopping and they listen they rotate different stores and sights so there is a constant new never boring selection and I’ve been a customer on here in the very beginning and not once have I had any problems with bugs or lags nothing but a positive experience from the start! I choose four over all the rest they are my go to when I want to pay in four!!!.Leacantrell❤️Version: 1.14.64

Needs WorkI would give the app 5 stars because I’ve been using it since 2023, and never had issue paid on time and all of sudden I can’t get a “spending power” which by the way I was getting 800+ spending powers BEFORE thanksgiving. All of a sudden it stopped right before the holidays. Which I figured it’s because they had an influx of new users. My bank accounts are fine, on top of that I’ve been paying the 9.99 subscription and still not able to pay. There should at least be a manual option for approvals for spending power based on payment history and being grandfathered in. Idk if the influx form the holidays put y’all in a bind but the system needs some work also there needs to be an option to cancel old banks etc..RocxxxannVersion: 1.16.31

Uugghhh Four can be so frustrating.I literally am finally able to use four and I have issues on my first 2 purchases. I literally am so over being charged for orders that don’t go through. Orders are canceled on me from retailers and they still charge. Secondly I put in 2 orders from the same retailer I got an email back about them saying my order was canceled because they flagged as fraud?? What’s up with that? If I’m going to use four I want to ensure it is consistent and safe . I shouldn’t be getting emails from the retailer questioning whether they think the payment method I used was fraud . Listen to other people reviews. It’s probably safer and more efficient to use other pay in 4 apps. Too many inconsistencies and long wait times for customer service..KoolkenteVersion: 1.14.88

Impressive !I have seen app like this but none of those actually works . This app allows you to make purchases with a credit line while you only pay 1/4 of the actual price now and the rest over time. I tried the app myself and the payments are manageable, your items come exactly as advertised on the websites, and they come in a timely manner. There is also another app that is associated with Four, called Shop, that allows you to track your packages. Your able to see exactly where it is and when it will arrive. The one thing I wish to see is more stores listed in the app. Other than that I think you guys have done a great job ! Keep it up Four ! 😊😊.TrishevaVersion: 1.9.2

I love this app and this company!Awesome company easy to use. Even people that don’t have the best credit they give you a chance. Everyone deserves nice things in life. Some of us are less fortunate and can’t fork out 1000s of dollars. This company is fair, the customer service is fast and friendly. The payments are reasonable and they don’t try to kill you with interest. I needed a fridge for my house and these guys made it possible for me and my family. From the bottom of my heart me and my family thank you very much! You guys are awesome and I will be using y’all a lot! Thank you for the opportunity y’all give people..SrgntcroyVersion: 1.15.98

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Four | Buy Now, Pay Later Negative Reviews

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