# Four Reviews **Vendor:** Four Technologies **Category:** [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) **Average Rating:** 4.1/5.0 **Total Reviews:** 10 ## About Four Four helps Retailers lower cart abandonment and lift AOV by offering a flexible split payment option at Checkout. Retailers get paid up-front and customers get to pay over time interest-free. ## Four Pros & Cons **What users like:** - Users appreciate the **higher purchase credit** provided by Four, along with its user-friendly payment application. (1 reviews) - Users appreciate the **higher credit purchasing options** with Four, enjoying the ease of application and payment processes. (1 reviews) - Users appreciate the **ease of use** of Four, finding the app straightforward for making payments. (1 reviews) **What users dislike:** - Users are disappointed by the **limited availability of merchants** , restricting their options for purchases. (1 reviews) ## Four Reviews ### 1. Great for tracking income and expenses **Rating:** 4.5/5.0 stars **Reviewed by:** Mesut A. | HR Analyst, Education Management, Mid-Market (51-1000 emp.) **Reviewed Date:** August 19, 2024 **What do you like best about Four?** I was able to make an over limit on a no interest basis and this was advantageous for me for those irregular big expenses. Four’s incorporation into checkout was easy. It shows my spending limit and the compatible stores thus making it easier for me to split my payment. **What do you dislike about Four?** I more often than not ended up being very frustrated when the retailers we shopped from were incompatible, which made me to stop using the split pay option completely. The availability of the payment method in acorporate store is considerably very low. **What problems is Four solving and how is that benefiting you?** I find it easier to break the payments so that it does not put a lot of pressure on my finances and I am able to purchase things that I would not be able to buy at first instance. This helps me be more cautious with my spending yet allow me indulge in the item I want. ### 2. Four is amazing **Rating:** 5.0/5.0 stars **Reviewed by:** Miranda C. | Guest Services, Small-Business (50 or fewer emp.) **Reviewed Date:** November 26, 2024 **What do you like best about Four?** I love that they trusted me with a higher purchase credit upon opening my Four account. The application is very easy to use and make payments. **What do you dislike about Four?** I only dislike that not all merchants are available. **What problems is Four solving and how is that benefiting you?** It allows me to purchase what I need right away without having the full payment upfront. This has been even more beneficial around the holidays. ### 3. Translates to more sales and satisfied customers **Rating:** 4.0/5.0 stars **Reviewed by:** Caroca P. | HR Project Manager, Retail, Enterprise (> 1000 emp.) **Reviewed Date:** August 02, 2024 **What do you like best about Four?** Four has contributed to increasing my online store’s conversion. Connecting it to both my current shopping cart was quick and easy though the whole setup process is a piece of cake. **What do you dislike about Four?** Therefore I have very little influence with how Four is marketed to the customers at the point of sale. Organizers cannot change the text or add their logo or a website logo, so it does not look very similar to the esthetic of my store. **What problems is Four solving and how is that benefiting you?** Four solves pain point of online shoppers, the first of which is the initial cost that is often incurred. Adding the option of installment payments has resulted in higher AOV and lower cart abandonment. ### 4. Increased the sales for my online store **Rating:** 4.5/5.0 stars **Reviewed by:** Awan K. | Data Analyst, Airlines/Aviation, Mid-Market (51-1000 emp.) **Reviewed Date:** August 15, 2024 **What do you like best about Four?** Four has made my understanding on how to minimize cart abandonment in my online store easier. Giving the extra option of the split payment without interest during the check-out allows the customers to make more purchases. **What do you dislike about Four?** Four has only one sort of split payment available. Customers who may wish to seek a longer term or a different payment structure are out of luck. **What problems is Four solving and how is that benefiting you?** Four is a perfect weapon when it comes to handling cart abandonment and increasing average order value. It helps customers to carry out purchases as it offers them an interest-free option where they can split their payments. ### 5. Four: Great when it works **Rating:** 3.0/5.0 stars **Reviewed by:** Franz B. | Business Operations Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** October 13, 2023 **What do you like best about Four?** Four is pretty straight forward and easyt to use. The platform tells you your spend limit as well as the stores youre able to use on the landing page; I like the directness of the approach. After being rejected countless times by Four, I liked how the app integrated to the websites page. It made it easy to not only remember the credit being used but allowed for a seamless and quick checkout. **What do you dislike about Four?** Four is fairly new as compared to other bnpl platforms so they dont have an extensive array of sites to shop on. You wont find Amazon or BestBuy or even NewEgg. The sites you can use to split 4 are not all appealig so this would leave you feeling limited. I started using Four in 2022 with a $200 limit, I initially got rejected evrytime I tried to use but after a year I randomly got approved for one transaction. After that Ive been rejected each time. Reaching out to support doesnt help because they simply reitterate the rejection message. This is after waiting almost a week for customer support to respond back to the message - not helpful. **What problems is Four solving and how is that benefiting you?** Four was supossed to be an alternative BNPL plaform that could get use instead of Klarna and Afterpay. It came across as accessible, no hidden fees and straightforward. Meant to be a way to get the things that may be out of reach but to stay inline with budget ### 6. Great way to divide a large payment into small payments **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Education Management | Small-Business (50 or fewer emp.) **Reviewed Date:** June 20, 2023 **What do you like best about Four?** It's very convenient and easy to navigate. If you are planning to do a large purchase and unable to pay it all in full. **What do you dislike about Four?** The app is glitchy and is not able to approve someone sometimes even with a good credit score. **What problems is Four solving and how is that benefiting you?** The app being able to approve someone instantly. This would benefit many people, because they wouldn't have to wait for the decision. ### 7. Buy now pay later - Great Option for Purchasing **Rating:** 5.0/5.0 stars **Reviewed by:** Megan L. | Sales Support Representative, Mid-Market (51-1000 emp.) **Reviewed Date:** December 10, 2021 **What do you like best about Four?** I like how Four allows you to purchase an item now but allows you to split the payments into four interest-free payments. It increases the retailer's conversion rate. **What do you dislike about Four?** I like the idea, but I think what could strengthen the product is the retailer partnerships. Suppose the company were to acquire larger retailers known by the public. Offering this to more stores will likely increase the company's sales and users. **Recommendations to others considering Four:** It's a great option if you're looking to purchase a few more things but need a little bit more time to pay. The auto payments are beneficial for ensuring I don't receive any late fees. **What problems is Four solving and how is that benefiting you?** I find it challenging to use Four with stores that I frequently shop. The idea of interest-free is excellent because I'm more likely to spend more than I would be paying for the product entirely. ### 8. Horrible **Rating:** 0.0/5.0 stars **Reviewed by:** Jazmyne T. | None ya business, Mid-Market (51-1000 emp.) **Reviewed Date:** January 22, 2022 **What do you like best about Four?** Nothing at its horrible never will I use this app again **What do you dislike about Four?** Keep charging me for an item I returned then charged multiple late fees left with an negative 33.15 in my bank account and repeatedly kept collecting payments from a negative balance like what the hell customer service needs to be number I can call **Recommendations to others considering Four:** No **What problems is Four solving and how is that benefiting you?** Stealing my money leaving me with a negative amount in the my account ### 9. Four is a trustworthy company that believes in helping shoppers pay their orders over time. **Rating:** 5.0/5.0 stars **Reviewed by:** Chanelia . | Founder, Small-Business (50 or fewer emp.) **Reviewed Date:** July 01, 2020 **What do you like best about Four?** Four is seamlessly integrated with Shopify; the platform our website is powered by. This integration makes it easier for us to follow orders places by Four, and easier for our shoppers to split their order into four equal interest-free payments over time. **What do you dislike about Four?** Even though their customer service is great and replies by email on time. But I think a live chat is what's more common nowadays. Hope they'll implement this soon. **What problems is Four solving and how is that benefiting you?** Abandoned carts are reducing by time. This is common sense, shoppers can now pay overtime, not only that but interest-free. ### 10. Four helped us DOUBLE our conversion rate **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Automotive | Small-Business (50 or fewer emp.) **Reviewed Date:** July 24, 2020 **What do you like best about Four?** Tremendous CR improvement frop the moment Four was available on our chekcout. **What do you dislike about Four?** There is nothing to dislike about Four. We are 100% satisfied with our partnership with Four. **What problems is Four solving and how is that benefiting you?** We have made our products more accessible to customers with less buying power thanks to Four. - [View Four pricing details and edition comparison](https://www.g2.com/products/four/reviews?section=pricing&secure%5Bexpires_at%5D=2026-05-13+11%3A28%3A49+-0500&secure%5Bsession_id%5D=a302f4d3-0544-4c77-879f-89cc4a5cbff6&secure%5Btoken%5D=298e808285b08dfdd773fb11d3a56696ccb8bf3affdf1d82c88e5d19a8c19c73&format=llm_user) ## Four Features **Administration - Installment Payment and Buy Now Pay Later (BNPL)** - Email Notifications - Invoicing - Customer Portal - Loyalty Management **Payment Tools - Installment Payment and Buy Now Pay Later (BNPL)** - Payment Gateway - Payment Tracking - E-commerce Integration - Payment Scheduling **Agentic AI - Installment Payment and Buy Now Pay Later (BNPL) features** - Adaptive Learning - Proactive Assistance - Decision Making ## Top Four Alternatives - [Splitit](https://www.g2.com/products/splitit/reviews) - 4.1/5.0 (18 reviews) - [Afterpay](https://www.g2.com/products/afterpay/reviews) - 4.1/5.0 (41 reviews) - [Sezzle](https://www.g2.com/products/sezzle/reviews) - 4.6/5.0 (119 reviews)