Pay Later offers (DE)

Add Pay Later buttons and messaging to your checkout

DocsCurrentLast updated: September 30th 2021, @ 5:56:39 pm

PayPal offers installment options that eligible German buyers can use to buy now and pay later, while merchants still get paid up front. PayPal Ratenzahlung is included with eligible PayPal Checkout solutions at no additional cost. Merchants can inform their customers with messaging on their website to improve conversion, attract new customers, and increase average order values.

Pay Later offers include PayPal Ratenzahlung, which eligible German buyers can use to pay in 3, 6, 12, or 24 monthly installments for purchases of 99€ to 5,000€.

How it Works


With Pay Later messaging, pass the product or cart amount to display the most relevant message to your customers. The message content depends on the interest rate of your installments and the value that data-pp-amount passes into the PayPal SDK messages component.

Qualifying amount message example for 9.99% APR

Ratenzahlung text message for a Pay Later offer with 9.99% APR

Qualifying amount message example for 0% APR

Ratenzahlung text message for a Pay Later offer with 0% APR


Render the Später Bezahlen 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, Pay Later offers display in the PayPal Checkout.



You are eligible to promote PayPal Ratenzahlung if you meet all of the following:

  • You are a German-based PayPal merchant.
  • You have a one-time payment integration.
  • You have a German-facing website.
  • You transact in Euro (EUR).

Reference Transaction or Recurring Payment integrations are not eligible. Additionally, Pay Later offers must abide by the PayPal Acceptable Use Policy, which govern the usage of PayPal, and prohibit certain types of transactions.

Note: 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

How do you want to integrate?

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

Code it yourself Use a commerce platform Upgrade existing

Code it yourself

Choose from basic HTML attributes or more advanced JS options

Commerce platforms

Use if your site is on an online shopping cart or commerce platform

Upgrade your build

Use if you're adding Pay Later to an existing integration

Get started Get started Get started

See also