# Pay Later overview (/pay-later/overview)

Learn how Pay Later helps customers purchase with flexible installment plans while merchants receive immediate payment. Explore supported countries, capabilities, and integration options.



PayPal offers financing options that let your customers buy now and pay later, while you get paid up front. Specific Pay Later offers vary by country. For more information about Pay Later, see [Buy now, pay later](https://www.paypal.com/us/digital-wallet/ways-to-pay/buy-now-pay-later).

To add Pay Later products to an integration with a third-party commerce platform, see [Commerce Platforms](/v5/pay-later/commerce-platforms). For information about how to use PayPal's JavaScript SDK for a low-code Pay Later integration, see [Get started with Pay Later](/pay-later/integrate).

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 product 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.

## Country-specific product details [#country-specific-product-details]

Pay Later products vary by locale. To view details, select a country.

**United States**

In the US, Pay Later includes 2 products:

| Product     | Number of payments | Frequency                | Purchase amount |
| ----------- | ------------------ | ------------------------ | --------------- |
| Pay in 4    | 4                  | Every 2 weeks (biweekly) | $10 to $2,000   |
| Pay Monthly | 3, 6, 12, or 24    | Monthly                  | $49 to $10,000  |

**Eligibility**

You're eligible to integrate Pay Later products in the US if you meet all of the following requirements:

* Are a US-based PayPal merchant.
* Have a US-facing website.
* Transact in US dollars (USD).
* Have a [PayPal one-time payment](/checkout) integration.
* Abide by the [Pay Later Messaging Center Program Terms](https://www.paypal.com/legalhub/paypal/pay-later-messaging-tnc?locale.x=en_US&_ga=2.230264284.1105075193.1757947850-1032254505.1740765755).
* Do not edit Pay Later messages with additional content, wording, marketing, or other materials to encourage the use of this product or remove any content. Render the Pay Later messaging in its entirety with all the links and language provided by PayPal. For noncompliant messaging, PayPal reserves the right to take action in accordance with the [PayPal User Agreement](https://www.paypal.com/legalhub/paypal/useragreement-full).
* Do not create, display, or host your own Pay Later content. Instead, integrate the official code that PayPal provides.

> **Note:** Reference Transaction and Recurring Payment integrations aren't eligible for Pay Later products.
>
> <br />
>
> <br />
>
> About Pay in 4: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. PayPal, Inc. is a GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee.
>
> <br />
>
> <br />
>
> Pay Monthly is subject to consumer credit approval. Term lengths and fixed APR of 9.99-35.99% vary based on the customer's creditworthiness. The lender for Pay Monthly is WebBank. PayPal, Inc. (NMLS #910457): RI Loan Broker Licensee. VT Loan Solicitation Licensee.

The following illustration shows how Pay Later works for customers in the US.

![Image of 3 Pay Later screens on mobile apps. Step 1 shows that a Pay Later option is available for the user to buy some headphones. Step 2 shows the customer choosing between monthly and Pay in 4 options for Pay Later. In step 3, the user sees a screen that describes the Pay in 4 payment schedule.](https://www.paypalobjects.com/ppdevdocs/PL.png)

***Related resources***

* [Pay Later Messaging Center Program terms](https://www.paypal.com/legalhub/paypal/pay-later-messaging-tnc?locale.x=en_US)
* [PayPal Acceptable Use Policy](https://www.paypal.com/legalhub/paypal/acceptableuse-full?locale.x=en_US)
* [PayPal Advertising Program terms](https://www.paypal.com/legalhub/paypal/useragreement-full#advertising-program)
* [PayPal User Agreement](https://www.paypal.com/legalhub/paypal/useragreement-full)

**Australia**

In Australia, Pay Later includes **Pay in 4**, which eligible Australian buyers can use to pay in 4 interest-free payments for purchases of $1 to $1,999.99 AUD. The first payment is due at the time of the transaction, and subsequent payments are due every 2 weeks.

| Product  | Number of payments | Frequency                | Purchase amount     |
| -------- | ------------------ | ------------------------ | ------------------- |
| Pay in 4 | 4                  | Every 2 weeks (biweekly) | $1 to $1,999.99 AUD |

**Eligibility**

You're eligible to integrate Pay Later products in Australia if you meet all of the following requirements:

* Are an Australia-based PayPal merchant.
* Have an Australia-facing website.
* Transact in Australian dollars (AUD).
* Have a [PayPal one-time payment](/checkout) integration.
* Abide by the [PayPal Acceptable Use Policy](https://www.paypal.com/legalhub/paypal/acceptableuse-full?locale.x=en_AU).
* Do not edit Pay Later messages with additional content, wording, marketing, or other materials to encourage the use of this product or remove any content. Render the Pay Later messaging in its entirety with all the links and language provided by PayPal. For noncompliant messaging, PayPal reserves the right to take action in accordance with the [PayPal User Agreement](https://www.paypal.com/legalhub/paypal/useragreement-full?locale.x=en_AU).
* Do not create, display, or host your own Pay Later content. Instead, integrate the official code that PayPal provides.

> **Note:** Reference Transaction and Recurring Payment integrations aren't eligible for Pay Later products.
>
> <br />
>
> <br />
>
> PayPal Credit Pty Limited (ABN 66 600 629 258) provides PayPal Pay in 4. PayPal Credit Pty Limited holds Australian Credit Licence Number 568848.

The following illustration shows how Pay Later works for customers in Australia.

![Image of 3 Pay Later screens on mobile apps showing the Pay in 4 experience for Australian customers.](https://www.paypalobjects.com/ppdevdocs/pl-australia.png)

**Related resources**

* [Pay Later Messaging Center Program terms](https://www.paypal.com/legalhub/paypal/pay-later-messaging-tnc)
* [PayPal Acceptable Use Policy](https://www.paypal.com/legalhub/paypal/acceptableuse-full?locale.x=en_AU)
* [PayPal Advertising Program terms](https://www.paypal.com/legalhub/paypal/useragreement-full#advertising-program)
* [PayPal User Agreement](https://www.paypal.com/legalhub/paypal/useragreement-full?locale.x=en_AU)

**Canada**

In Canada, Pay Later includes **Pay in 4**. Pay in 4 buttons support multilingual display in English and French.

| Product  | Number of payments | Frequency                | Purchase amount   |
| -------- | ------------------ | ------------------------ | ----------------- |
| Pay in 4 | 4                  | Every 2 weeks (biweekly) | $30 to $1,500 CAD |

**Eligibility**

You're eligible to integrate Pay Later products in Canada if you meet all of the following requirements:

* Are a Canada-based PayPal merchant.
* Have a Canada-facing website.
* Transact in Canadian dollars (CAD).
* Have a [PayPal one-time payment](/checkout) integration.
* Comply with the [Pay Later Messaging Center Program Terms](https://www.paypalobjects.com/crc-merchant-lifecycle/docs/CA_Pay_in_4_Messaging_Centre_Program_Terms.pdf).
* Do not edit Pay Later messages with additional content, wording, marketing, or other materials to encourage the use of this product or remove any content. Render the Pay Later messaging in its entirety with all the links and language provided by PayPal. For noncompliant messaging, PayPal reserves the right to take action in accordance with the [PayPal User Agreement](https://www.paypal.com/legalhub/paypal/useragreement-full).
* Do not create, display, or host your own Pay Later content. Instead, integrate the official code that PayPal provides.

> **Note:** Reference Transaction and Recurring Payment integrations aren't eligible for Pay Later products.

The following illustration shows how Pay Later works for customers in Canada.

![Image of 3 Pay Later screens on mobile apps showing the Pay in 4 experience for Canadian customers.](https://www.paypalobjects.com/ppdevdocs/pl-canada.png)

**Related resources**

* [Pay Later Messaging Center Program terms](https://www.paypalobjects.com/crc-merchant-lifecycle/docs/CA_Pay_in_4_Messaging_Centre_Program_Terms.pdf)
* [PayPal Acceptable Use Policy](https://www.paypal.com/legalhub/paypal/acceptableuse-full?locale.x=en_CA)
* [PayPal Advertising Program terms](https://www.paypal.com/legalhub/paypal/useragreement-full#advertising-program)
* [PayPal User Agreement](https://www.paypal.com/legalhub/paypal/useragreement-full)

**France**

In France, Pay Later includes **Pay in 4**, which is an installment offer that allows consumers to spread the cost of a purchase across 4 equal payments for transactions between 20€ and 3,000€. The first payment is due at the time of the transaction, and subsequent payments are spread across 90 days.

| Product  | Number of payments | Frequency | Purchase amount |
| -------- | ------------------ | --------- | --------------- |
| Pay in 4 | 4                  | Monthly   | 20€ to 3,000€   |

**Eligibility**

You're eligible to integrate Pay Later products in France if you meet all of the following requirements:

* Are a France-based PayPal merchant.
* Have a France-facing website.
* Transact in euros (EUR).
* Have a [PayPal one-time payment](/checkout) integration.
* Abide by the [PayPal Acceptable Use Policy](https://www.paypal.com/webapps/mpp/ua/acceptableuse-full?locale.x=fr_FR).
* 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](https://www.paypal.com/webapps/mpp/ua/useragreement-full?locale.x=fr_FR).
* Do not create, display, or host your own Pay Later content. Instead, integrate the official code that PayPal provides.

> **Note:** Reference Transaction and Recurring Payment integrations aren't eligible for Pay Later products.
>
> <br />
>
> <br />
>
> PayPal Pay Later is not available in all markets. PayPal Pay Later eligibility and availability is subject to merchant status, sector, and integration. Consumer eligibility is subject to status and approval. Product features differ by market. See relevant product terms for more details. PayPal Pay Later cross-border messaging is subject to approval by PayPal.

The following illustration shows how Pay Later works for customers in France.

![Image of 3 Pay Later screens on mobile apps showing the Pay in 4 experience for French customers.](https://www.paypalobjects.com/ppdevdocs/pl-france.png)

**Related resources**

* [Pay Later Messaging Center Program terms](https://www.paypal.com/legalhub/paypal/pay-later-messaging-tnc)
* [PayPal Acceptable Use Policy](https://www.paypal.com/legalhub/paypal/acceptableuse-full?locale.x=fr_FR)
* [PayPal Advertising Program terms](https://www.paypal.com/legalhub/paypal/useragreement-full#receive-payment1)
* [PayPal User Agreement](https://www.paypal.com/legalhub/paypal/useragreement-full?locale.x=fr_FR)

**Germany**

In Germany, Pay Later includes 2 products:

| Product             | Number of payments           | Frequency                        | Purchase amount |
| ------------------- | ---------------------------- | -------------------------------- | --------------- |
| PayPal Ratenzahlung | 3, 6, 12, or 24 installments | Monthly                          | 99€ to 10,000€  |
| Pay in 30 Days      | 1                            | Single payment due after 30 days | 1€ to 3,000€    |

**Eligibility**

You're eligible to integrate Pay Later products in Germany if you meet all of the following requirements:

* Are a Germany-based PayPal merchant.
* Have a Germany-facing website.
* Transact in euros (EUR).
* Have a [PayPal one-time payment](/checkout) integration.
* Abide by the [PayPal Acceptable Use Policy](https://www.paypal.com/webapps/mpp/ua/acceptableuse-full?locale.x=en_DE).
* 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](https://www.paypal.com/webapps/mpp/ua/useragreement-full?locale.x=de_DE).
* Do not create, display, or host your own Pay Later content. Instead, integrate the official code that PayPal provides.

> **Note:** Reference Transaction and Recurring Payment integrations aren't eligible for Pay Later products.
>
> <br />
>
> <br />
>
> PayPal Pay Later is not available in all markets. PayPal Pay Later eligibility and availability is subject to merchant status, sector, and integration. Consumer eligibility is subject to status and approval. Product features differ by market. See relevant product terms for more details. PayPal Pay Later cross-border messaging is subject to approval by PayPal.

The following illustration shows how Pay Later works for customers in Germany.

![Image of 3 Pay Later screens on mobile apps showing the Pay in 30 Days experience for German customers.](https://www.paypalobjects.com/ppdevdocs/pl-germany.png)

**Related resources**

* [Pay Later Messaging Center Program terms](https://www.paypal.com/legalhub/paypal/pay-later-messaging-tnc)
* [PayPal Acceptable Use Policy](https://www.paypal.com/legalhub/paypal/acceptableuse-full?locale.x=en_DE)
* [PayPal Advertising Program terms](https://www.paypal.com/legalhub/paypal/useragreement-full#receive-payment1)
* [PayPal User Agreement](https://www.paypal.com/legalhub/paypal/useragreement-full?locale.x=de_DE)

**Italy**

In Italy, Pay Later includes 2 products:

| Product             | Number of payments | Frequency | Purchase amount |
| ------------------- | ------------------ | --------- | --------------- |
| Pay in 3            | 3                  | Monthly   | 20€ to 3,000€   |
| Pay in installments | 6, 12, or 24       | Monthly   | 120€ to 5,000€  |

**Eligibility**

You're eligible to integrate Pay Later products in Italy if you meet all of the following requirements:

* Are an Italy-based PayPal merchant.
* Have an Italy-facing website.
* Transact in euros (EUR).
* Have a [PayPal one-time payment](/checkout) integration.
* Abide by the [PayPal Acceptable Use Policy](https://www.paypal.com/legalhub/paypal/acceptableuse-full?locale.x=it_IT).
* 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](https://www.paypal.com/legalhub/paypal/home?locale.x=it_IT).
* Do not create, display, or host your own Pay Later content. Instead, integrate the official code that PayPal provides.

> **Note:** Reference Transaction and Recurring Payment integrations aren't eligible for Pay Later products.
>
> <br />
>
> <br />
>
> PayPal Pay Later is not available in all markets. PayPal Pay Later eligibility and availability is subject to merchant status, sector, and integration. Consumer eligibility is subject to status and approval. Product features differ by market. See relevant product terms for more details. PayPal Pay Later cross-border messaging is subject to approval by PayPal.

The following illustration shows how Pay Later works for customers in Italy.

![Image of 3 Pay Later screens on mobile apps showing the Pay in 3 experience for Italian customers.](https://www.paypalobjects.com/ppdevdocs/pl-italy.png)

**Related resources**

* [PayPal Acceptable Use Policy](https://www.paypal.com/legalhub/paypal/acceptableuse-full?locale.x=it_IT)

**Spain**

In Spain, Pay Later includes 2 products:

| Product             | Number of payments | Frequency | Purchase amount |
| ------------------- | ------------------ | --------- | --------------- |
| Pay in 3            | 3                  | Monthly   | 20€ to 2,000€   |
| Pay in installments | 6, 12, or 24       | Monthly   | 120€ to 5,000€  |

**Eligibility**

You're eligible to integrate Pay Later products in Spain if you meet all of the following requirements:

* Are a Spain-based PayPal merchant.
* Have a Spain-facing website.
* Transact in euros (EUR).
* Have a [PayPal one-time payment](/checkout) integration.
* Abide by the [PayPal Acceptable Use Policy](https://www.paypal.com/legalhub/paypal/acceptableuse-full?locale.x=es_ES).
* 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](https://www.paypal.com/legalhub/paypal/useragreement-full).
* Do not create, display, or host your own Pay Later content. Instead, integrate the official code that PayPal provides.

> **Note:** Reference Transaction and Recurring Payment integrations aren't eligible for Pay Later products.
>
> <br />
>
> <br />
>
> PayPal Pay Later is not available in all markets. PayPal Pay Later eligibility and availability is subject to merchant status, sector, and integration. Consumer eligibility is subject to status and approval. Product features differ by market. See relevant product terms for more details. PayPal Pay Later cross-border messaging is subject to approval by PayPal.

The following illustration shows how Pay Later works for customers in Spain.

![Image of 3 Pay Later screens on mobile apps showing the Pay in 3 experience for Spanish customers.](https://www.paypalobjects.com/ppdevdocs/pl-spain.png)

**Related resources**

* [PayPal Acceptable Use Policy](https://www.paypal.com/legalhub/paypal/acceptableuse-full?locale.x=es_ES)

**United Kingdom**

In the United Kingdom, Pay Later includes 2 products:

* With **Pay in 3**, eligible UK buyers can pay in 3 interest-free payments for purchases of £20 to £3,000. The first payment is due at the time of purchase, and subsequent payments are due in the following 2 months.
* With **Pay in 30 Days**, eligible UK buyers can pay the full amount in 30 days with no interest or fees. Pay in 30 Days is offered for purchases of £1 to £900 and requires no down payment. Buyers may have the option to get more time to pay should they need additional time to repay.

| Product        | Number of payments | Frequency                                     | Purchase amount |
| -------------- | ------------------ | --------------------------------------------- | --------------- |
| Pay in 3       | 3                  | Monthly                                       | £20 to £3,000   |
| Pay in 30 Days | 1                  | Single payment due within 30 days of purchase | £1 to £900      |

**Eligibility**

Pay Later products are available to UK merchants on a limited basis. To be eligible to integrate Pay Later products in the UK, you must meet all of the following requirements:

* Are a UK-based PayPal merchant.
* Have a UK-facing website.
* Transact in British pounds sterling (GBP).
* Have a [PayPal one-time payment](/checkout) integration.
* Abide by the [PayPal Acceptable Use Policy](https://www.paypal.com/legalhub/paypal/acceptableuse-full?locale.x=en_UK).
* Comply with the [Pay Later Messaging Center Program Terms](https://www.paypal.com/legalhub/paypal/pay-later-messaging-tnc) and the [PayPal Advertiser Program Terms](https://www.paypal.com/legalhub/paypal/useragreement-full#receive-payment1). In particular, do not edit Pay Later messages with additional content, wording, marketing, or other materials to encourage the use of this product or remove any content. Render the Pay Later messaging in its entirety with all the links and language provided by PayPal. For noncompliant messaging, PayPal reserves the right to take action in accordance with the PayPal User Agreement.
* Do not create, display, or host your own Pay Later content. Instead, integrate the official code that PayPal provides.

> **Note:** Creating your own Pay in 3 or Pay in 30 Days content or using the JS SDK outside of the terms of the User Agreement may result in you communicating an unauthorized financial promotion, which can involve criminal sanctions under S21 Financial Services and Markets Act 2000.
>
> <br />
>
> <br />
>
> Reference Transaction and Recurring Payment integrations aren't eligible for Pay Later products.
>
> <br />
>
> <br />
>
> Merchant eligibility and availability is subject to merchant status, sector, and integration. Consumer eligibility is subject to status and approval. PayPal Pay Later product features differ by market. See relevant product terms for more details. PayPal Pay Later cross-border messaging is subject to approval by PayPal.

The following illustration shows how Pay Later works for customers in the UK.

![Image of 3 Pay Later screens on mobile apps showing the Pay in 3 experience for UK customers.](https://www.paypalobjects.com/ppdevdocs/ukpayin30.png)

**Related resources**

* [Pay Later Messaging Center Program terms](https://www.paypal.com/legalhub/paypal/pay-later-messaging-tnc)
* [PayPal Acceptable Use Policy](https://www.paypal.com/legalhub/paypal/acceptableuse-full?locale.x=en_UK)
* [PayPal Advertising Program terms](https://www.paypal.com/legalhub/paypal/useragreement-full#receive-payment1)
* [PayPal User Agreement](https://www.paypal.com/legalhub/paypal/useragreement-full)

## Next steps [#next-steps]

To add Pay Later products to your site, choose an integration option:

* **Add Pay Later products**: [Get started with Pay Later](/pay-later/integrate) using the JavaScript SDK integration guide.
* **Build in a commerce platform**: Add Pay Later products to an integration with a [third-party commerce platform](/v5/pay-later/commerce-platforms).