Pay Later messaging (UK)
Last updated: Jul 15th, 9:10pm
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 is included with the standard PayPal Checkout. However, specific Pay Later offers differ by country.
Pay Later in the UK includes the following:
- Pay in 3 - Eligible UK buyers can pay in three interest-free payments for purchases of £30 – £2,000.
- 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 offers. 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.
How it works - Pay in 3
Note: Screen images are illustrative only.
Pay Later messaging
Pay Later messaging lets your buyers know they can buy now and pay later, if they check out with PayPal. Adding messaging to your website can help improve conversion, attract new customers, and increase order values.
Pay Later messages are dynamic, enabling you to show your customers their specific Pay Later offer, based on the contents of their shopping cart.
We recommend adding dynamic messaging throughout the shopping journey where customers see prices and subtotals, such as on product pages, the shopping cart, and checkout pages.
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:
- You're a UK-based PayPal merchant.
- You have a UK-facing website.
- You transact in British pounds sterling (GBP).
- You have a one-time payment integration.
- You abide by the PayPal Acceptable Use Policy.
- You 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.
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.
Note: PayPal 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 paypal.com or by calling 0203 901 7000.
Important: PayPal approves the communication by eligible merchants of PayPal Javascript SDK Pay Later messaging for the purposes of Section 21 of the Financial Services and Markets Act 2000 for use in accordance with the Advertising Program and Pay Later Messaging Program Terms in the PayPal User Agreement.
How do you want to integrate?
Choose how you want to add Pay Later messaging to your site.
RequiredAdd Pay Later messaging
Code the messages yourself or enable them with a commerce platform.
RequiredAdd Pay Later button
Integrate the PayPal JavaScript SDK or upgrade your existing Checkout integration.