Payment Method Types/
PayPal/
Payment Flow/
Pay Later Offers

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:
CountryPay Later offersNotes
USPay 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 $49 to $10,000, with terms of 3, 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.
UKPay 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.
FRPay 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.
AUPay 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.
DEPayPal 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.
ITPayPal 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.
ESPayPal 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.

Before you get startedAnchorIcon

  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 messagingAnchorIcon

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. To present this messaging, you must include the PayPal messaging component on your page.
  1. Callback
  2. Promise
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:
  1. 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>
Review the PayPal messaging documentation for more information about integration and customization.

Pay Later buttonAnchorIcon

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.
  1. Callback
  2. 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');
});