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 $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. |
| 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 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. |
| 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 is required. |
| AU | Pay 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. |
| 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 the 0% financing offer. This further drives PayPal Ratenzahlung's adoption. |
| IT | PayPal 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. |
| ES | PayPal 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. |
Consumers in the listed 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 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.
Add Pay Later messaging
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.
This messaging option provides content that you can display on your website to help promote this feature to your customers. Don't 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.
- Async/Await
await paypalCheckoutInstance.loadPayPalSDK({
components: 'buttons,messages' // Other config options here
});
// Set up PayPal buttons (see Add a Pay Later button)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:
- 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>Add a 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, 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.
If you have existing standalone PayPal buttons on your page, be sure to also call
isEligible() before rendering each button, as shown in the following example.
- 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');
}