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 typical Pay Later user experience in Canada. 

Pay Later products in Canada

Pay Later offers in Canada include Pay in 4, which eligible buyers can use to pay for a qualified purchase in 4 interest-free payments. The first payment is due at the time of the transaction, and subsequent payments are due every 2 weeks.

Eligibility

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

• Are a Canada-based PayPal merchant.
• Have a Canada-facing website.
• Transact in Canadian dollars (CAD).
• Have a one-time payment integration, and Pay Later options are available through 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. For non-compliant messaging, PayPal reserves the right to take action in accordance with the PayPal User Agreement.
• Do not create, display, or host your own Pay Later content. Instead, integrate only the official code that PayPal provides.

Integrate

Choose how you want to integrate Pay Later messaging and buttons:

• Code it yourself.
• Use a commerce platform.

To upgrade an existing integration, see the upgrade options.

Enable multilingual support

To support both French and English sites for Canadian merchants, PayPal provides special values for the locale parameter. To enable the Pay in 4 button, include buttons and enable-funding=paylater when you render buttons in your PayPal Checkout integration, and specify a value for the locale parameter, as shown in the following table.

For example, the use following parameter specification to support the English version of a Canadian site. 

See also

• Pay Later Messaging Center Program Terms
• PayPal Acceptable Use Policy
• PayPal User Agreement