Pay Later offers

PayPal offers short-term, interest-free payments 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.

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 $600 in four, interest-free payments.
  • PayPal Credit has two promotional offers of six months special financing.
For Pay in 4, consumer late fees might apply for missed payments and varies by the consumer’s state of residency. Loans to California residents are made or arranged pursuant to a California Finance Lenders Law License. PayPal, Inc. is a Georgia Installment Lender Licensee, NMLS #910457.

PayPal Credit is subject to consumer credit approval.
UK
  • Pay in 3, which UK buyers can use to pay for purchases of £45.00 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.
If you offer PayPal Credit Instalments, you can't offer Pay in 3.

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 or by calling 0800 358 7929.

Messaging

Pay Later messaging helps you get the most out of PayPal’s buy now, pay later offers. You can use this onsite messaging to dynamically promote Pay Later offers, which can help grow your sales, attract new customers, and drive customer loyalty. By integrating the messages component of the PayPal JavaScript SDK, you can add Pay Later messages across your site. The SDK automatically displays messaging for the most relevant Pay Later offer for every purchase.

Note: US messages support Pay in 4 and PayPal Credit (includes six-months special financing). UK messages support Pay in 3.

(UK merchants) Credit is a regulated activity in the UK. Before displaying onsite messaging or integrating a PayPal Credit button, you must be authorized to act as a credit broker and have a credit agreement with PayPal. For more information, contact business customer support through paypal.com or by calling 0800 358 7929.

Pay Later messaging example (US)

Buy now pay later qualifying purchases

Pay Later messaging example (UK)

Buy now pay later qualifying purchases

Buttons

When eligible, your existing PayPal buttons change to show a new Pay Later button. When customers select Pay Later, they can pay with flexible, buy now, pay later offers.

Note: The Pay Later button is currently available to US merchants only. If you are a UK merchant and want to enable the Pay Later button, please contact business customer support through paypal.com or by calling 0800 358 7929.

Horizontal buttons

Buy now pay later horizontal buttons

Vertical buttons

Buy now pay later vertical buttons

To show the Pay Later button at checkout, make sure you integrate with the PayPal JavaScript SDK. If you are using a legacy integration, follow the instructions in the upgrade guide to start using the latest SDK. After you integrated the PayPal JavaScript SDK, make sure your buttons render in the layout that you want. Finally, make sure to handle errors that might occur.

Eligibility

US-based merchants

US-based consumers are eligible for Pay Later offers across most of our integrations. As a merchant, you're eligible to promote Pay Later offers if you are a US-based PayPal merchant with a US-facing website and a one-time payment integration. At this time, promoting Pay Later offers is not available on PayPal vaulted payments or billing agreement integrations.

Please note that while messaging can be displayed on your website to help promote pay later offers to your customers, no additional content, wording, marketing, or other material should be created by you to encourage use of this product. PayPal reserves the right to take action in accordance with the User Agreement.

UK-based merchants

UK-based consumers are eligible for Pay Later offers across most of our integrations. As a merchant, you're eligible to promote Pay in 3 if you are a UK-based PayPal merchant with a UK-legal business entity, a UK-facing website, and a one-time payment integration. At this time, promoting Pay Later offers is not available on PayPal vaulted payments or billing agreement integrations.

Please note that while messaging can be displayed on your website to help promote pay later offers to your customers, no additional content, wording, marketing, or other material should be created by you to encourage use of this product. PayPal reserves the right to take action in accordance with the User Agreement.

Next steps

Choose how you want to add messaging to your site:

See also