PayPal
Pay Later Offers
Country | Pay Later offers | Notes |
---|---|---|
US | Pay in 4, which eligible US buyers can use to pay for purchases of $30 to
$1500 in four, interest-free payments. Pay Monthly, a longer-term installment offer available to eligible US buyers for purchases of $199 to $10,000, with terms of 6, 12, or 24 monthly payments. |
About Pay in 4: Loans to California residents are made or arranged pursuant to a California
Financing Law License. PayPal, Inc. is a Georgia Installment Lender Licensee, NMLS #910457.
Rhode Island Small Loan Lender Licensee. Pay Monthly is subject to consumer credit approval. Fixed APR is 9.99-35.99% APR based on the customer. The lender for Pay Monthly is WebBank. PayPal, Inc. (NMLS #910457): CT Small Loan Licensee. RI Loan Broker Licensee. VT Loan Solicitation Licensee. |
UK | Pay in 3, which eligible UK buyers can use to pay for purchases of £30.00
to £2,000 in three, interest-free payments. PayPal Credit has two promotional offers, 0% for 4 months on purchases over £99 and merchant-specific Instalment offers. | PayPal Credit is a regulated consumer credit product in the UK. Eligible customers can use it as a payment method through PayPal. However, you should only promote this product if you have the necessary regulatory permissions. For more information, please contact business customer support through paypal.com. |
FR | Pay in 4X, which eligible FR buyers can use to pay for purchases of €30.00 to €2,000 in four, interest-free payments. | PayPal Pay in 4X is subject to PayPal account status and eligibility criteria. Exclusions apply. Credit approval required. |
AU | Pay in 4, which eligible AU buyers can use to pay for purchases of $30 to $2000 in four, interest-free payments. | Offer subject to PayPal account status and eligibility criteria. Exclusions apply. Credit approval required and may affect some customers’ credit report. |
DE | PayPal Ratenzahlung, which eligible DE buyers can use to pay for purchases
of €99 to €5,000 in 3, 6, 12, or 24 monthly installments. PayPal Pay in 30, which eligible DE buyers can use to make purchases up to €1,000 and pay for it after 30 days without additional costs. | You can offer special financing to your customers by activating our 0% financing offer. This will further drive PayPal Ratenzahlung’s adoption. |
IT | PayPal Pay in 3 instalments, which eligible IT buyers can use to pay for purchases of €30 to €2,000 in three interest-free payments. | PayPal Pay in 3 instalments is subject to PayPal account status and eligibility criteria. Exclusions apply. Credit approval required. |
ES | PayPal Pay in 3 instalments, which eligible ES buyers can use to pay for purchases of €30 to €2,000 in three interest-free payments. | PayPal Pay in 3 instalments is subject to PayPal account status and eligibility criteria. Exclusions apply. Credit approval required. |
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](/braintree/docs/guides/paypal/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
- See our PayPal Pay Later offers support article for full details on the availability and benefits of this feature
- 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.
- Callback
- Promise
paypalCheckoutInstance.loadPayPalSDK({
components: 'buttons,messages' // Other config options here
}, function () {
// set up PayPal buttons (see next section)
});
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:
- HTML
<!-- 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>
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.
- Callback
- Promise
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');
});