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Pay Later overview
Learn how Pay Later helps customers purchase with flexible installment plans while merchants receive immediate payment. Explore supported countries, capabilities, and integration options.
Last updated: July 6, 2026
PayPal offers financing options that let your customers buy now and pay later, while you get paid up front. Specific Pay Later offers vary by country. For more information about Pay Later, see Buy now, pay later.
To add Pay Later offers to an integration with a third-party commerce platform, see Commerce Platforms. For information about how to use PayPal's JavaScript SDK for a low-code Pay Later integration, see Get started with Pay Later.
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.
Country-specific product details
Pay Later offers vary by locale. To view details, select a country.
In the US, Pay Later includes 2 products:
| Product | Number of payments | Frequency | 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 meet all of the following requirements:
- Are a US-based PayPal merchant.
- Have a US-facing website.
- Transact in US dollars (USD).
- Have a PayPal one-time payment integration.
- Abide by the Pay Later Messaging Center Program Terms.
- Do not edit Pay Later messages with additional content, wording, marketing, or other materials to encourage the use of this product or remove any content. Render the Pay Later messaging in its entirety with all the links and language provided by PayPal. For noncompliant 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 the official code that PayPal provides.
Reference Transaction and Recurring Payment integrations aren't eligible for Pay Later offers.
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.
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.
The following illustration shows how Pay Later works for customers in the US.
Related resources
In Australia, Pay Later includes Pay in 4, which eligible Australian buyers can use to pay in 4 interest-free payments for purchases of $1 to $1,999.99 AUD. The first payment is due at the time of the transaction, and subsequent payments are due every 2 weeks.
| Product | Number of payments | Frequency | Purchase amount |
|---|---|---|---|
| Pay in 4 | 4 | Every 2 weeks (biweekly) | $1 to $1,999.99 AUD |
Eligibility
You're eligible to integrate Pay Later offers in Australia if you meet all of the following requirements:
- Are an Australia-based PayPal merchant.
- Have an Australia-facing website.
- Transact in Australian dollars (AUD).
- Have a PayPal one-time payment integration.
- 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 or remove any content. Render the Pay Later messaging in its entirety with all the links and language provided by PayPal. For noncompliant 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 the official code that PayPal provides.
Reference Transaction and Recurring Payment integrations aren't eligible for Pay Later offers.
PayPal Credit Pty Limited (ABN 66 600 629 258) provides PayPal Pay in 4. PayPal Credit Pty Limited holds Australian Credit Licence Number 568848.
PayPal Credit Pty Limited (ABN 66 600 629 258) provides PayPal Pay in 4. PayPal Credit Pty Limited holds Australian Credit Licence Number 568848.
The following illustration shows how Pay Later works for customers in Australia.
Related resources
In Canada, Pay Later includes Pay in 4. Pay in 4 buttons support multilingual display in English and French.
| Product | Number of payments | Frequency | Purchase amount |
|---|---|---|---|
| Pay in 4 | 4 | Every 2 weeks (biweekly) | $30 to $1,500 CAD |
Eligibility
You're eligible to integrate Pay Later offers in Canada if you meet all of the following requirements:
- Are a Canada-based PayPal merchant.
- Have a Canada-facing website.
- Transact in Canadian dollars (CAD).
- Have a PayPal one-time payment integration.
- Comply with the Pay Later Messaging Center Program Terms.
- Do not edit Pay Later messages with additional content, wording, marketing, or other materials to encourage the use of this product or remove any content. Render the Pay Later messaging in its entirety with all the links and language provided by PayPal. For noncompliant 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 the official code that PayPal provides.
Reference Transaction and Recurring Payment integrations aren't eligible for Pay Later offers.
The following illustration shows how Pay Later works for customers in Canada.
Related resources
In France, Pay Later includes Pay in 4, which is an installment offer that allows consumers to spread the cost of a purchase across 4 equal payments for transactions between 20€ and 3,000€. The first payment is due at the time of the transaction, and subsequent payments spread across 90 days.
| Product | Number of payments | Frequency | Purchase amount |
|---|---|---|---|
| Pay in 4 | 4 | Monthly | 20€ to 3,000€ |
Eligibility
You're eligible to integrate Pay Later offers in France if you meet all of the following requirements:
- Are a France-based PayPal merchant.
- Have a France-facing website.
- Transact in euros (EUR).
- Have a PayPal one-time payment integration.
- Abide by the PayPal Acceptable Use Policy.
- Do not edit Pay Later messages with additional content, wording, marketing, or other materials to encourage use of this product. 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 the official code that PayPal provides.
Reference Transaction and Recurring Payment integrations aren't eligible for Pay Later offers.
PayPal Pay Later is not available in all markets. PayPal Pay Later eligibility and availability is subject to merchant status, sector, and integration. Consumer eligibility is subject to status and approval. Product features differ by market. See relevant product terms for more details. PayPal Pay Later cross-border messaging is subject to approval by PayPal.
PayPal Pay Later is not available in all markets. PayPal Pay Later eligibility and availability is subject to merchant status, sector, and integration. Consumer eligibility is subject to status and approval. Product features differ by market. See relevant product terms for more details. PayPal Pay Later cross-border messaging is subject to approval by PayPal.
The following illustration shows how Pay Later works for customers in France.
Related resources
In Germany, Pay Later includes 2 products:
| Product | Number of payments | Frequency | Purchase amount |
|---|---|---|---|
| PayPal Ratenzahlung | 3, 6, 12, or 24 installments | Monthly | 99€ to 10,000€ |
| Pay in 30 Days | 1 | Single payment due after 30 days | 1€ to 3,000€ |
Eligibility
You're eligible to integrate Pay Later offers in Germany if you meet all of the following requirements:
- Are a Germany-based PayPal merchant.
- Have a Germany-facing website.
- Transact in euros (EUR).
- Have a PayPal one-time payment integration.
- Abide by the PayPal Acceptable Use Policy.
- Do not edit Pay Later messages with additional content, wording, marketing, or other materials to encourage use of this product. 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 the official code that PayPal provides.
Reference Transaction and Recurring Payment integrations aren't eligible for Pay Later offers.
PayPal Pay Later is not available in all markets. PayPal Pay Later eligibility and availability is subject to merchant status, sector, and integration. Consumer eligibility is subject to status and approval. Product features differ by market. See relevant product terms for more details. PayPal Pay Later cross-border messaging is subject to approval by PayPal.
PayPal Pay Later is not available in all markets. PayPal Pay Later eligibility and availability is subject to merchant status, sector, and integration. Consumer eligibility is subject to status and approval. Product features differ by market. See relevant product terms for more details. PayPal Pay Later cross-border messaging is subject to approval by PayPal.
The following illustration shows how Pay Later works for customers in Germany.
Related resources
In Italy, Pay Later includes 2 products:
| Product | Number of payments | Frequency | Purchase amount |
|---|---|---|---|
| Pay in 3 | 3 | Monthly | 20€ to 3,000€ |
| Pay in installments | 6, 12, or 24 | Monthly | 120€ to 5,000€ |
Eligibility
You're eligible to integrate Pay Later offers in Italy if you meet all of the following requirements:
- Are an Italy-based PayPal merchant.
- Have an Italy-facing website.
- Transact in euros (EUR).
- Have a PayPal one-time payment integration.
- Abide by the PayPal Acceptable Use Policy.
- Do not edit Pay Later messages with additional content, wording, marketing, or other materials to encourage use of this product. 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 the official code that PayPal provides.
Reference Transaction and Recurring Payment integrations aren't eligible for Pay Later offers.
PayPal Pay Later is not available in all markets. PayPal Pay Later eligibility and availability is subject to merchant status, sector, and integration. Consumer eligibility is subject to status and approval. Product features differ by market. See relevant product terms for more details. PayPal Pay Later cross-border messaging is subject to approval by PayPal.
PayPal Pay Later is not available in all markets. PayPal Pay Later eligibility and availability is subject to merchant status, sector, and integration. Consumer eligibility is subject to status and approval. Product features differ by market. See relevant product terms for more details. PayPal Pay Later cross-border messaging is subject to approval by PayPal.
The following illustration shows how Pay Later works for customers in Italy.
Related resources
In Spain, Pay Later includes 2 products:
| Product | Number of payments | Frequency | Purchase amount |
|---|---|---|---|
| Pay in 3 | 3 | Monthly | 20€ to 2,000€ |
| Pay in installments | 6, 12, or 24 | Monthly | 120€ to 5,000€ |
Eligibility
You're eligible to integrate Pay Later offers in Spain if you meet all of the following requirements:
- Are a Spain-based PayPal merchant.
- Have a Spain-facing website.
- Transact in euros (EUR).
- Have a PayPal one-time payment integration.
- Abide by the PayPal Acceptable Use Policy.
- Do not edit Pay Later messages with additional content, wording, marketing, or other materials to encourage use of this product. 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 the official code that PayPal provides.
Reference Transaction and Recurring Payment integrations aren't eligible for Pay Later offers.
PayPal Pay Later is not available in all markets. PayPal Pay Later eligibility and availability is subject to merchant status, sector, and integration. Consumer eligibility is subject to status and approval. Product features differ by market. See relevant product terms for more details. PayPal Pay Later cross-border messaging is subject to approval by PayPal.
PayPal Pay Later is not available in all markets. PayPal Pay Later eligibility and availability is subject to merchant status, sector, and integration. Consumer eligibility is subject to status and approval. Product features differ by market. See relevant product terms for more details. PayPal Pay Later cross-border messaging is subject to approval by PayPal.
The following illustration shows how Pay Later works for customers in Spain.
Related resources
In the United Kingdom, Pay Later includes 2 products:
- With Pay in 3, eligible UK buyers can pay in 3 interest-free payments for purchases of £20 to £3,000. The first payment is due at the time of purchase, and subsequent payments are due in the following 2 months.
- With PayPal Credit, eligible UK buyers receive a revolving line of credit that they can use to pay over time. PayPal Credit offers either 0% interest for 4 months on purchases over £99 or a merchant-specific installment offer. For the 0% interest for 4 months offer, any remaining balance due after the promotional period or any transactions under £99 are charged interest at the standard variable rate. Terms and conditions apply. Representative 23.9% APR (variable). FCA credit broking permission required to advertise PayPal Credit.
| Product | Number of payments | Frequency | Purchase amount |
|---|---|---|---|
| Pay in 3 | 3 | Monthly | £20 to £3,000 |
| PayPal Credit | See product description above | See product description above | See product description above |
Eligibility
Pay Later offers are available to UK merchants on a limited basis. To be eligible to integrate Pay Later offers in the UK, you must meet all of the following requirements:
- Are a UK-based PayPal merchant.
- Have a UK-facing website.
- Transact in British pounds sterling (GBP).
- Have a PayPal one-time payment integration.
- Abide by the PayPal Acceptable Use Policy.
- Comply with the Pay Later Messaging Center Program Terms and the PayPal Advertiser Program Terms. In particular, do not edit Pay Later messages with additional content, wording, marketing, or other materials to encourage the use of this product or remove any content. Render the Pay Later messaging in its entirety with all the links and language provided by PayPal. For noncompliant 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 the official code that PayPal provides.
Reference Transaction and Recurring Payment integrations aren't eligible for Pay Later offers.
PayPal Pay in 3 is an unregulated credit product. Merchant eligibility and availability is subject to merchant status, sector, and integration. Consumer eligibility is subject to status and approval. PayPal Pay Later product features differ by market. See relevant product terms for more details. PayPal Pay Later cross-border messaging is subject to approval by PayPal.
PayPal Pay in 3 is an unregulated credit product. Merchant eligibility and availability is subject to merchant status, sector, and integration. Consumer eligibility is subject to status and approval. PayPal Pay Later product features differ by market. See relevant product terms for more details. PayPal Pay Later cross-border messaging is subject to approval by PayPal.
The following illustration shows how Pay Later works for customers in the UK.
Related resources
Next steps
To add Pay Later offers to your site, choose an integration option:
- Add Pay Later offers: Get started with Pay Later using the JavaScript SDK integration guide.
- Build in a commerce platform: Add Pay Later offers to an integration with a third-party commerce platform.