Can I use the Pay in 4 PayPal option?
Yes, X-Cart supports the buy now, pay later PayPal options within the PayPal Checkout payment method.
How to create PayPal IPN URL?
Log in to your PayPal account.
Click Profile > My Selling Tools on the My Account tab.
Find the "Instant payment notifications" option in the list of tools and click Update.
To start receiving IPN messages and decide where to send them, click the "Choose IPN Settings" button.
Specify the URL for your listener in the Notification URL field, for example, https://demostore.x-cart.com/?target=callback.
Click the "Receive IPN messages (Enabled)" option to enable your listener.