Pay Later Offers

PayPal offers short-term, interest-free payments, longer-term, monthly installments, and other special financing options that buyers can use to buy now and pay later, while merchants get paid up-front. Pay Later offers are included with PayPal Checkout at no additional cost to you.

Pay Later offers include the following, depending on the country of your customers:

availability

Consumers based in above countries are eligible for Pay Later offers across most of our integrations. Eligibility for merchants differs and depends on your location and integration. See the overview section for details and reach out to your PayPal account manager or contact us for more information.

To enable Pay Later offers on your Checkout with Vault integration, reach out to your PayPal account manager or contact us.

Before you get started

1. See our PayPal Pay Later offers support article for full details on the availability and benefits of this feature
2. Complete your PayPal client-side integration

Pay Later messaging

Let your customers know they can buy now and pay later. With dynamic messaging, we'll show them the right offer for what they're buying - from short-term, interest-free payments, longer-term, monthly installments, to other special financing options. You must show the Pay Later button if you present Pay Later messaging.

important

Please note that, while this option provides messaging that can be displayed on your website to help promote this feature to your customers, no additional content, wording, marketing or other material should be created by you to encourage use of this product. PayPal reserves the right to take action in accordance with the User Agreement.

To present this messaging, you must include the PayPal messaging component on your page.

paypalCheckoutInstance.loadPayPalSDK({
  components: 'buttons,messages'
  // Other config options here
}, function () {
  // set up PayPal buttons (see next section)
});

You must also include a div anywhere on the page that you want to render a message. Include the product price or cart amount for the data-pp-amount so that PayPal renders the most relevant message:

<!--
  In your code, dynamically update data-pp-amount with
  the price or cart amount. For example,
  data-pp-amount="89.99" for $89.99 product
-->
<div
  data-pp-message
  data-pp-layout="text"
  data-pp-text-color="black"
  data-pp-logo-type="inline"
  data-pp-amount="ENTER_VALUE_HERE">
</div>

Review the PayPal messaging documentation for more information about integration and customization.

Pay Later button

The Pay Later button provides direct access to Pay Later offers in PayPal Checkout. See the Pay Later button documentation for information on what the Pay Later button is called in your region.

Specify the fundingSource: paypal.FUNDING.PAYLATER option when rendering the standalone Pay Later button. If you are rendering the Pay Later button in UK, AU, FR, DE, ES or IT for Checkout with PayPal, you need to additionally pass 'enable-funding': 'paylater' as a query param in the PayPal SDK.

You can render both PayPal and Pay Later buttons on your page as two separate standalone buttons. Review the PayPal button customization documentation for the full list of UI customizations and rendering options.

Passing dataAttributes.amount when calling loadPayPalSDK is required for the Pay Later button to render.

important

If you have existing standalone PayPal buttons on your page, be sure to also call isEligible() before rendering each button as in the example below.

paypalCheckoutInstance.loadPayPalSDK({
  components: 'buttons,messages'
  currency: 'USD',
  'enable-funding': 'paylater',
  dataAttributes: {
    amount: '10.00'
  }
  // Other config options here
}, function () {
  var button = paypal.Buttons({
    fundingSource: paypal.FUNDING.PAYLATER,

    createOrder: function () {
      return paypalCheckoutInstance.createPayment({
        flow: 'checkout', // Required
        amount: '10.00', // Required
        currency: 'USD' // Required
      });
    },
    onApprove: function (data, actions) {
      return paypalCheckoutInstance.tokenizePayment(data, function (err, payload) {
        // Submit 'payload.nonce' to your server
      });
    },
  });

  if (!button.isEligible()) {
    // Skip rendering if not eligible
    return;
  }

  button.render('#pay-later-button');
});