Pay Later messaging

Last updated: August 9th 2021, @ 12:46:40 pm


Pay Later messaging helps you get the most out of PayPal’s buy now, pay later offers. You can use this onsite messaging to promote Pay Later offers dynamically, which can help grow your sales, attract new customers, and drive customer loyalty.

Messaging for Australia-based merchants

Pay Later messaging includes the following pay later offer, which is available to Australian customers only:

  • Pay in 4, which buyers can use to pay for purchases in four, interest-free payments of $30 AUD to $1,500 AUD.

Buy now, pay later example

Qualifying amount message example

Australian text message for qualifying Pay Later offer

Non-qualifying amount or no amount message example

Australian text message for nonqualifying Pay Later offer

Australia Eligibility

You are eligible to promote PayPal Pay in 4 if you are a PayPal merchant with an Australian-facing website and a one-time payment integration. Reference Transaction or Recurring Payment integrations are not eligible, as well as certain merchant categories (such as gambling or foreign exchange).

Please note that, while this option provides messaging that can be displayed on your website to help promote this feature to your customers, no additional content, wording, marketing or other material should be created by you to encourage use of this product.

Messaging for France-based merchants

Pay Later messaging includes the following pay later offer, which is available to French customers only:

  • Pay in 4X, an installment offer that allows France-based consumers to spread the cost of the purchases across 4 equal payments for transactions between 30€ to 2,000€.

Buy now, pay later example

Buy now pay later qualifying purchases

France Eligibility

You are eligible to promote Pay in 4X if you are a France-based PayPal merchant with a France-facing website and a one-time payment integration. Reference Transaction or Recurring Payment integrations are not eligible, as well as certain merchant categories (such as digital goods or non-physical goods).

Please note that while messaging can be displayed on your website to help promote Pay Later offers to your customers, no additional content, wording, marketing, or other material should be created by you to encourage use of this product. PayPal reserves the right to take action in accordance with the User Agreement.

Messaging for Germany-based merchants

Pay Later messaging includes the following pay later offer, which is available to German customers only:

  • PayPal Ratenzahlung, which buyers can use to pay for purchases in 3, 6, 12, or 24 monthly installments for purchases of 99€ to 5,000€.

Buy now, pay later example

Qualifying amount message example for 9.99% APR

Ratenzahlung text message for a Pay Later offer with 9.99% APR

Qualifying amount message example for 0% APR

Ratenzahlung text message for a Pay Later offer with 0% APR

Germany Eligibility

You are eligible for PayPal Ratenzahlung if you are a Germany-based merchant that sells in Euros. You must have an eligible PayPal payment solution integrated with your website to offer PayPal Ratenzahlung. Merchants who have integrated Ratenzahlung Powered by PayPal for their online store are not eligible. Get help removing Ratenzahlung Powered by PayPal integration.

You are eligible to promote PayPal Ratenzahlung on your online store if you have a One-Time payment integration. Merchants with only Reference Transaction or Recurring Payment integrations are not eligible.

Additionally, PayPal Ratenzahlung follows the PayPal Acceptable Use Policy, which governs the usage of PayPal and prohibits the use of PayPal and/or PayPal Ratensahlung for certain types of transactions (e.g. real money gaming, firearms, etc.)

Messaging for UK-based merchants

Pay Later messaging includes the following pay later offer, which is available to UK customers only:

  • Pay Later messaging includes Pay in 3, which UK buyers can use to pay for purchases in three, interest-free payments of £30 to £2,000.

Buy now, pay later example

Buy now pay later qualifying purchases

UK Eligibility

UK-based consumers are eligible for Pay Later offers across most of our integrations. As a merchant, you’re eligible to promote Pay in 3 if you are a UK-based PayPal merchant, with a UK-legal business entity, with a UK-facing website, and a one-time payment integration. At this time, promoting Pay Later offers is not available on PayPal vaulted payments or billing agreement integrations.

Please note that while messaging can be displayed on your website to help promote Pay Later offers to your customers, no additional content, wording, marketing, or other material should be created by you to encourage use of this product. PayPal reserves the right to take action in accordance with the User Agreement.

Messaging for US-based merchants

Pay Later messaging includes the following pay later offers, which are available to US customers only:

  • Pay in 4, which buyers can use to pay for purchases in four, interest-free payments of $30 to $1,500.
  • PayPal Credit, a revolving line of credit that buyers can use to pay over time.

Buy now, pay later example

Buy now pay later qualifying purchases

US Eligibility

US-based consumers are eligible for Pay Later offers across most of our integrations. As a merchant, you're eligible to promote Pay Later offers if you are based in the US with a US-facing website and a one-time payment integration. Promoting Pay Later offers is not available if you're using vaulted payments or subscriptions.