Pay later offers overview

PayPal offers short-term, interest-free payments 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 Pay in 4X, an installment offer that allows French-based consumers to spread the cost of the purchases across four equal payments for transactions between 50€ to 2,000€. The first payment is due at the time of the transaction with the subsequent payments spread across 90 days.

With Pay in 4X, you give shoppers increased flexibility to spread the cost of their purchases over time. Pay later messaging is available for most French-based merchants with a one-time payment integration. See the Eligibility section below for more information.

How it Works


Pay Later messaging helps you get the most out of PayPal’s buy now, pay later offers. You can use this onsite messaging to promote Pay in 4X, which can help grow your sales, attract new customers, and drive customer loyalty.

Pay Later messaging example

Qualifying amount message example:

Pay later messaging text primary left white

Non-qualifying amount or no amount message example:

Pay later messaging text primary left white


You are eligible to promote Pay in 4X if you are a French-based PayPal merchant with a French facing website and a one-time payment integration. Reference Transaction or Recurring Payment integrations are not eligible, as well as certain merchant categories (such as digital goods or non-physical goods).

Pay Later product Countries Currencies Notes
PayPal Credit US, UK USD, GBP PayPal Credit is subject to consumer credit approval.
Pay in 4 US USD For Pay in 4, consumer late fees might apply for missed payments and varies by the consumer’s state of residency.
Pay in 4X FR EUR
Pay in 3 UK GBP
Installments DE EUR

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

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