Pay Later (UK)
Last updated: Mar 6th, 9:40am
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 basic user experience with Pay Later in the UK.
Pay Later products in the UK
Pay Later in the UK include the following Pay in 3 offer and PayPal Credit. 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 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, is charged interest at the standard variable rate. Terms and conditions apply.
| Product | Number of payments | Due | Purchase amount |
| Pay in 3 | 3 | Monthly | £20 – £3,000 |
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.
Note:
- 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.
Integrate
Choose how you want to integrate Pay Later messaging and buttons:
To upgrade an existing integration, see the upgrade options.