Pay Later buttons and messaging (US)

DocsCurrentLast updated: October 25th 2023, @ 1:05:18 pm


Add Pay Later buttons and messaging, also called Pay Later offers, to your checkout integration. Specific Pay Later offers differ by country. Select your country from the dropdown for details.

PayPal offers special financing options that payers can use to buy now and pay later, while merchants get paid upfront. Pay Later is included with the standard PayPal Checkout integration. For more information about Pay Later, see Buy now, pay later.

Pay Later in the US includes the following products:

ProductNumber of PaymentsDuePurchase Amount
Pay in 44Every 2 weeks$30 to $1,500
Pay Monthly6, 12, or 24Monthly$199 to $10,000

How it works

Three steps in the Pay Later workflow: Pay Later messaging on a product page, selecting Pay Later at checkout, and viewing the purchase amount as 4 individual payments.

Pay Later messaging

Pay Later messaging lets your buyers know they can buy now and pay later if they check out with PayPal. Adding messaging to your website can help improve conversion, attract new customers, and increase order values.

Pay Later messages are dynamic, meaning you can show your customers their specific Pay Later offer based on the contents of their shopping cart.

Example message for Pay in 4

Example message

Example message for Pay Monthly

Example message

Add dynamic messaging throughout the shopping journey where customers see prices and subtotals, such as on product pages, the shopping cart, and checkout pages.

Pay Later button

Render the Pay Later button in a one-time payment integration by passing enable-funding=paylater in the PayPal JavaScript SDK. For details, see enable funding.

You can render the payment buttons in a horizontal or vertical layout or as standalone payment buttons. When customers select the button, the Pay Later application starts in the PayPal Checkout.

An example checkout page with PayPal buttons and Pay Later messaging that states: Pay in 4 interest-free payments of $30.00 with PayPal. The PayPal button and Pay Later button are shown after the messaging.

Eligibility

You're eligible to integrate Pay Later offers in the US if you:

  • Are a US-based PayPal merchant.
  • Have a US-facing website.
  • Transact in US dollars (USD).
  • Have a one-time payment integration.
  • Abide by the PayPal Acceptable Use Policy.
  • Do not edit Pay Later messages with additional content, wording, marketing, or other materials to encourage use of this product. PayPal reserves the right to take action in accordance with the PayPal User Agreement.

Reference Transaction and Recurring Payment integrations aren't eligible for Pay Later offers. Website Payments Standard (WPS) integrations aren't eligible for Pay Later messaging.

Note: 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.

Note: 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.​

How do you want to integrate?

Choose how you want to add Pay Later messaging to your site.

Add Pay Later messagingAdd Pay Later button

Add Pay Later messaging

Code the messages yourself or enable them with a commerce platform.

Add Pay Later button

Integrate the PayPal JavaScript SDK or upgrade your existing Checkout integration.

Code it yourself

Choose a commerce platform

Integrate PayPal JavaScript SDK

Upgrade PayPal JavaScript SDK

See also