Credit Messaging Overview

PayPal Credit is a revolving line of credit that gives your customers the flexibility to buy now and pay over time. Consumers can use PayPal Credit on purchases at thousands of stores, like yours, that accept PayPal by selecting PayPal Credit at checkout. PayPal Credit messaging is available for merchants in the United States who wish to promote the availability of special financing offers, which help increase sales.

Message Content

The message content depends on the available PayPal Credit products you offer to your customers and the value that data-pp-amount passes into the PayPal JavaScript SDK messages component.

If you set up your website to offer Easy Payments financing to your customers, the message content is for Easy Payments offers only.

By default, all merchants are configured for the six month special financing offer, which is the default content of PayPal Credit messaging.

Easy Payments Example:

Credit messaging text primary left white

Six Months Special Financing Example:

Credit messaging text primary left white


You must have an eligible PayPal payment solution integrated with your website to offer PayPal Credit (either through the PayPal checkout API or as a standalone PayPal Credit checkout button/API).

You are eligible to promote PayPal Credit if you are a US-based PayPal merchant and have a One-Time payment integration. Merchants with only Reference Transaction or Recurring Payment integrations are not eligible.

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

Next: Review the best practices for placing credit messaging on your website or, if you're ready, start your integration.