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Enable Pay Later for Viva Wallet
Last updated: August 5, 2026
Promote PayPal Pay Later products using messaging and buttons on your Viva Wallet store.
PayPal offers short-term, interest-free payments that buyers can use to buy now and pay later. You get paid up-front.
Pay Later messaging includes Pay in 3, which UK buyers can use to pay for purchases of £20 to £3,000 in three, interest-free payments. It also includes Pay in 30 Days, which UK buyers can use to pay the full amount in 30 days with no interest or fees, for purchases of £1 to £900.
Know before you begin
- Before you begin, learn more about Pay Later products.
- PayPal now includes Pay Later when you enable the feature, integrate PayPal Checkout with Viva Wallet.
- UK-based consumers are eligible for Pay Later products across most of our integrations. As a merchant, you're eligible to promote these Pay Later products if you are a UK-based PayPal merchant with a UK-legal business entity, a UK-facing website, transacting in GBP, and a one-time payment integration. At this time, promoting Pay Later products is not available on PayPal vaulted payments or billing agreement integrations.
- Pay Later products also follow the PayPal Acceptable Use Policy, which governs the usage of PayPal and prohibits the use of PayPal and Pay Later products for certain types of transactions, such as real money gaming and firearms.
- Please note that while messaging can be displayed on your website to help promote Pay Later products 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.
- 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.
How it works
Web
Enable Pay Later messaging and button
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Sign in to your production Viva Wallet account.
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Click on Settings > API Access and scroll down to the PayPal (Payment Method) section. Click on the Enable PayPal as a payment method button.
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If you already have a PayPal Business Account:
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Enter your registered email address, select your country > click Next.
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Enter your password Login.
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A message is displayed about confirming your email address. Setup is now complete.
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If you do not already have a PayPal Business Account:
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Enter the email address you wish to register, select your country and click on the Next button. The Set up your PayPal Business Account window is displayed.
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Create and confirm your password and click on the Next button. The Please tell us about your business window is displayed.
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Complete the details and click Agree and Create Account button.
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Complete the first window that pops up and click Next.
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After completion of the second window, click on Submit.
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A window is displayed stating that you need to confirm your email address to activate your account. Go to your email and confirm activation of your PayPal account.
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Close the window and refresh the Viva Wallet Settings > API Access page. PayPal will appear as a payment method once PayPal approves the integration.
See also
See the Viva Wallet documentation page for PayPal Checkout to learn more about Viva Wallet PayPal Payments.