Pay Later Offers

Add Pay Later offers to your PayPal integration so eligible buyers can split a purchase into short-term, interest-free payments or longer-term installments, while you get paid up front. 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 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.

Pay Monthly 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.
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 installment offers.
PayPal Credit is a regulated consumer credit product in the UK. Eligible customers can use it as a payment method through PayPal. Only promote this product if you have the necessary regulatory permissions. For more information, 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 is required.
AUPay in 4, which eligible AU buyers can use to pay for purchases of $30 to $2000 in four interest-free payments. This offer is subject to PayPal account status and eligibility criteria. Exclusions apply. Credit approval is 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 the 0% financing offer. This further drives PayPal Ratenzahlung's adoption.
ITPayPal Pay in 3 installments, which eligible IT buyers can use to pay for purchases of €30 to €2,000 in three interest-free payments. PayPal Pay in 3 installments is subject to PayPal account status and eligibility criteria. Exclusions apply. Credit approval is required.
ESPayPal Pay in 3 installments, which eligible ES buyers can use to pay for purchases of €30 to €2,000 in three interest-free payments. PayPal Pay in 3 installments is subject to PayPal account status and eligibility criteria. Exclusions apply. Credit approval is 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.

Add Pay Later messagingAnchorIcon

Let your customers know they can buy now and pay later. With dynamic messaging, you can show them the right offer for what they're buying, from short-term, interest-free payments, to longer-term monthly installments, to other special financing options. If you present Pay Later messaging, be sure to also show the Pay Later button.
To present this messaging, include the PayPal messaging component on your page.
  1. Async/Await
await paypalCheckoutInstance.loadPayPalSDK({
    components: 'buttons,messages' // Other config options here
});

// Set up PayPal buttons (see Add a Pay Later button)
Also include a div element anywhere on the page where you want to render a message. Include the product price or cart amount for 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.

Add a 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, also 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. To render the Pay Later button, pass dataAttributes.amount when you call loadPayPalSDK.
  1. Async/Await
async function setupPayLaterButton() {
    await paypalCheckoutInstance.loadPayPalSDK({
        components: 'buttons,messages',
        currency: 'USD',
        'enable-funding': 'paylater',
        dataAttributes: {
            amount: '10.00'
        } // Other config options here
    });

    const button = paypal.Buttons({
        fundingSource: paypal.FUNDING.PAYLATER,
        createOrder: function () {
            return paypalCheckoutInstance.createPayment({
                flow: 'checkout', // Required
                amount: '10.00', // Required
                currency: 'USD' // Required
            });
        },
        onApprove: async function (data, actions) {
            const payload = await paypalCheckoutInstance.tokenizePayment(data);
            // Submit 'payload.nonce' to your server
        },
    });

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

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