Four says the payments are interest-free. What’s the catch? March 06, 2019 02:30 Updated Follow There’s no catch, four collects a fee from the retailer so you can shop interest free. Related articles What happens if I don’t pay? Why am I still being charged even though I sent back the items? I got a refund, but I haven't received my money? When do I make my first payment? How do I change the payment method for a payment?