Pay Later messaging (US)


Last updated: Jul 15th, 9:10pm

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Add Pay Later buttons and messaging, also called Pay Later offers, to your checkout integration. Specific Pay Later offers differ by country. Click on your country for details.

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

Pay Later in the US includes the following products:

Product Number of Payments Due Purchase Amount
Pay in 4 4 Every 2 weeks $30 to $1,500
Pay Monthly 6, 12, or 24 Monthly $199 to $10,000

How it works


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, meaning you can show your customers their specific Pay Later offer based on the contents of their shopping cart.

Example message for Pay in 4


Example message for Pay Monthly


Add dynamic messaging throughout the shopping journey where customers see prices and subtotals, such as on product pages, the shopping cart, and checkout pages.


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.
  • 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.

How do you want to integrate?

Choose how you want to add Pay Later messaging to your site.

Add Pay Later messaging

Code the messages yourself or enable them with a commerce platform.

Code it yourselfChoose a commerce platform

Add Pay Later button

Integrate the PayPal JavaScript SDK or upgrade your existing Checkout integration.