Pay Later offers (UK)

Add Pay Later buttons and messaging to your checkout

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

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:

  • Pay in 3, which eligible UK buyers can use to pay for purchases of £30 to £2,000 in three, interest-free payments.
  • PayPal Credit, a revolving line of credit that buyers can use to pay over time, two promotional offers, 0% for 4 months on purchases over £99 and merchant-specific Instalment offers.

Note: If you offer PayPal Credit Instalments, you can't offer Pay in 3.

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 dynamically promote Pay Later offers, which can help grow your sales, attract new customers, and drive customer loyalty.

Pay Later messaging example

British text message for a Pay Later offer with 12 pixel font, left-aligned, black text on a white background, with a PayPal logo displaying the PayPal icon and name on the left side of the text


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, Pay Later offers display in the PayPal Checkout.


The Customer Experience

Your customers can see Pay Later messaging throughout the checkout experience, from the home page, to product pages, to checkout.

Customer experience

  1. Customer visits your website and sees flexible banner messages with general Pay Later information.
  2. Customer selects Learn more and reads about Pay Later and PayPal Credit offers.
  3. Customer selects a product and sees text-based messages with specific offers based on the price of the item.
  4. Customer proceeds to checkout and sees Pay Later options to complete the transaction.


You are eligible to promote Pay Later offers if you meet all of the following:

  • You are a UK-based PayPal merchant with a UK-legal business entity.
  • You have a one-time payment integration.
  • You have a UK-facing website.
  • You transact in British pound sterling (GBP).

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

Note: 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 or by calling 0800 358 7929.

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