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PayPal offers special financing options that payers can use to buy now and pay later, while merchants get paid up front. Specific Pay Later offers differ by country. The following illustration shows the basic user experience with Pay Later in the US. Image of 3 Pay Later screens on mobile apps. Step 1 shows that a Pay Later option is available for the user to buy some headphones. Step 2 shows the customer choosing between monthly and Pay in 4 options for Pay Later. In step 3, the user sees a screen that describes the Pay in 4 payment schedule. The description of this step adds that PayPal handles the payment from here and that the merchant gets paid up front and in full. To add Pay Later offers to an integration with a third-party commerce platform, see Commerce Platforms. For information about how you can use PayPal’s JavaScript SDK for a low-code Pay Later integration, see Get started with Pay Later.

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Features

With Pay Later, you can get:
  • Increased conversion: Adding “buy now, pay later” messaging to your site can improve conversion, attract new customers, and increase order values.
  • Dynamic messages: You can show your customers a Pay Later offer that is based on the contents of their shopping cart.
  • Multiple touch points: Add messaging throughout your site such as on product pages, the shopping cart, and checkout pages.

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Country-specific details

For information about country-specific Pay Later offers, select a tab.
  • United States
  • Australia
  • France
  • Germany
  • Italy
  • Spain
  • United Kingdom
PayPal offers special financing options that payers can use to buy now and pay later, while merchants get paid upfront. For more information about Pay Later, see Buy now, pay later.
ProductNumber of paymentsDuePurchase amount
Pay in 44Every 2 weeks (biweekly)$30 to $1,500
Pay Monthly3, 6, 12, or 24Monthly$49 to $10,000
Example of Pay Later messaging on product pages.EligibilityYou’re eligible to integrate Pay Later offers in the US if you meet all of the following requirements:
  • Are a US-based PayPal merchant.
  • Have a US-facing website.
  • Transact in US dollars (USD).
  • Have a one-time payment integration, and Pay Later options are available through PayPal checkout.
  • Abide by the Pay Later Messaging Center Program Terms.
  • Do not edit Pay Later messages with additional content, wording, marketing, or other materials to encourage the use of this product or remove any content. Render the Pay Later messaging in its entirety with all the links and language provided by PayPal. For noncompliant messaging, PayPal reserves the right to take action in accordance with the PayPal User Agreement.
  • Do not create, display, or host your own Pay Later content. Instead, integrate only the official code that PayPal provides.
Notes:
  • Reference Transaction and Recurring Payment integrations aren’t eligible for Pay Later offers.
  • Pay in 4 loans to CA residents are made or arranged pursuant to a CA Financing Law License. PayPal, Inc., is a GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee.
  • A Pay Monthly agreement is subject to consumer credit approval. Term lengths and fixed APR of 9.99-35.99% vary based on the customer’s creditworthiness. The lender for Pay Monthly is WebBank. PayPal, Inc. (NMLS #910457): RI Loan Broker Licensee. VT Loan Solicitation Licensee.
See also