Pay Later (US)
Last updated: Nov 13th, 12:22pm
Get paid in full at checkout while giving your customers the flexibility to pay in installments over time with no late fees.
Specific Pay Later offerings differ by country. Select a country from the dropdown list to see what Pay Later offers are available.
To add Pay Later offers to an integration with a third-party commerce platform, see Commerce Platforms.
Features
With Pay Later, you can get:
- Increased conversion: Adding "buy now, pay later" messaging to your site can improve conversion, attract new customers, and increase order values.
- Dynamic messages: You can show your customers a Pay Later offer that is based on the contents of their shopping cart.
- Multiple touch points: Add messaging throughout your site, such as on product pages, the shopping cart, and checkout pages.
The following illustration shows the basic user experience with Pay Later in the US.
Pay Later products in the US
Pay Later in the US includes the following offers.
| Product | Number of payments | Due | Purchase amount |
| Pay in 4 | 4 | Every 2 weeks (biweekly) | $30 to $1,500 |
| Pay Monthly | 3, 6, 12, or 24 | Monthly | $49 to $10,000 |
Eligibility
You're eligible to integrate Pay Later offers in the US if you:
- Are a US-based PayPal merchant with a Business Account.
- Have a US-facing website.
- Transact in US dollars (USD).
- Have a one-time payment integration and Pay Later options are available via PayPal checkout.
- Abide by the PayPal Acceptable Use Policy.
- Do not edit Pay Later messages with additional content, wording, marketing, or other materials to encourage the 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.
- 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.
- Pay Monthly is subject to consumer credit approval. Term lengths and fixed APR of 9.99-35.99% vary based on the customer’s creditworthiness. The lender for Pay Monthly is WebBank. PayPal, Inc. (NMLS #910457): RI Loan Broker Licensee. VT Loan Solicitation Licensee.
Integrate
Choose how you want to integrate Pay Later messaging and buttons:
To upgrade an existing integration, see the upgrade options.