Pay Later (US)

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 offers differ by country. Click on your country for details.

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 their specific Pay Later offer 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.

Pay Later in the US includes the following products:

PayPal offers special financing options that payers can use to buy now and pay later, while merchants get paid upfront. For more information about Pay Later, see Buy now, pay later.

Product Number of Payments Due Purchase Amount
Pay in 4 4 Bi-weekly $30 to $1,500
Pay Monthly 3, 6, 12, or 24 Monthly $49 to $10,000


How it works

1

A customer visits your website and sees that they can buy now and pay later.

2

When customers check out with PayPal, they can choose Pay in 4 or Pay Monthly.

3

We handle it from there — the merchant gets paid up front and in full.

How to integrate
Choose how you want to add Pay Later to your site.
Pay Later on Commerce Platforms
Site hosted through a website builder? Add messaging in just a few clicks.
Choose your platform
Add Pay Later messaging
You can get started quickly with a copy-and-paste integration.
Code it yourself
Add Pay Later button
Set up standard payments to present a Pay Later payment button to your payers.
Integrate JS SDKUpgrade JS SDK

Eligibility

You're eligible to integrate Pay Later offers in the US if you:

Are a US-based PayPal merchant.

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.

See Also