This page describes the "Pay in 4" installment option available at checkout on eligible purchases. It supplements, and doesn’t replace, our Terms of Service.
1. Eligibility
Pay in 4 is available for orders totaling $50 or more. It is not available for every item or payment method — the option is only shown at checkout when it can actually be offered for that order.
2. How it works
Your total is split into 4 equal installments, charged 14 days apart. The first installment is charged immediately at checkout, the same way a regular purchase would be. The remaining 3 are charged automatically to the same payment method on their due dates — you don’t need to do anything unless a charge fails.
You’ll get a reminder 3 days before each upcoming charge, and a receipt after each successful one.
3. If a payment fails
If an installment charge fails (an expired card, insufficient funds), we automatically retry it after 1 day, then 3 days, then 7 days. If all three retries fail, that installment plan is marked defaulted and the remaining balance becomes due. A defaulted plan may affect your ability to use Pay in 4 on future orders.
4. Ownership and delivery
Choosing Pay in 4 doesn’t change when your order ships or when an Agent/Skill install becomes usable — that follows the same timeline as a purchase paid in full. It only changes how the charge to your card is split over time.
5. Returns and cancellation
Standard return/cancellation rules (see our A-to-Z Guarantee) apply the same way to an order paid via Pay in 4. If an order is returned or cancelled before every installment has been charged, we stop charging the remaining installments; if it’s returned after full payment, the refund follows the same process as any other order.
6. This is not a loan from a third party
Pay in 4 is a payment-scheduling feature of the Elai Marketplace checkout itself, charged to the payment method you provide — it is not a credit line extended by a bank or a third-party lender, and no separate credit application or credit check is involved.