Having this issue as well. It seems the plug-in is designed this way. It’s pretty dumb!
I discovered the problem when I clicked “Pay in 4” but then decided to cancel and change the payment method. When I did that, the item was “out of stock”, but it’s not really out of stock, there is just a pending payment. It’s a massive flaw and I think the best option is to remove the plug-in as it will lose you business. There doesn’t seem to be a fix I can find. If there is, please respond. Thanks!
