PayPal
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 unless you are in the US.
Pay Later offers include the following, depending on the country of your customers:
| **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 €2,000 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. |
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.
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
Offer Pay Later
Set shouldOfferPayLater to true on your PayPalCheckoutRequest to display Pay Later offers to eligible customers after they have logged into PayPal.
- Kotlin
val payPalCheckoutRequest = PayPalCheckoutRequest(
...
shouldOfferPayLater = true
)Please note that additional messaging is not available at this time. You should not create additional content, wording, marketing, or other material to encourage use of this product. PayPal reserves the right to take action in accordance with the User Agreement.