# Customize Pay Later messaging on X-Cart (/v5/platforms/pay-later/x-cart/us)



Promote PayPal Pay Later offers using messaging on your X-Cart store.

PayPal offers short-term, interest-free payments and other special financing options that buyers can use to buy now and pay later. You get paid upfront at no additional cost unless you are in the US.

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

* Pay in 4 - Eligible US buyers can pay in four interest-free payments for purchases of $30 to $1,500.
* Pay Monthly - Eligible US buyers can pay in 6, 12, or 24 monthly installments for purchases of $199 to $10,000.

## Know before you begin [#know-before-you-begin]

* Before you begin, learn more about [Pay Later offers](/pay-later/overview).
* Before you enable the Pay Later messaging and button, learn about [Pay in 4 for X-Cart](https://www.x-cart.com/paypal/pay-in-4).
* If you are a new user, enable [PayPal Checkout for X-Cart](https://support.x-cart.com/en/articles/4506748-paypal-checkout).
* 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.

## Enable the Pay Later button [#enable-the-pay-later-button]

> **Note:** **Note:** Ensure that PayPal Checkout is enabled for your X-Cart store.

1. Log in to your X-Cart admin panel.
2. Navigate to **PayPal Checkout** and select the **Settings** tab.
3. Check that the PayPal Checkout payment method toggle is set to **On** and enable the **Display the "Buy Now with Paypal" button** toggle is set to **On**.

   <img src="https://www.paypalobjects.com/ppdevdocs/img/docs/pay-later/commerce-platforms/x-cart/xcart-1.png" alt="Example" width="1442" height="1353" />

## Pay Later banner [#pay-later-banner]

The Pay Later banner will appear in the following locations:

### Product details pages [#product-details-pages]

<img src="https://www.paypalobjects.com/ppdevdocs/img/docs/pay-later/commerce-platforms/x-cart/xcart-2.png" alt="Example" width="2439" height="1366" />

### Cart preview widget [#cart-preview-widget]

<img src="https://www.paypalobjects.com/ppdevdocs/img/docs/pay-later/commerce-platforms/x-cart/xcart-3.png" alt="Example" width="2456" height="1358" />

### Cart page [#cart-page]

<img src="https://www.paypalobjects.com/ppdevdocs/img/docs/pay-later/commerce-platforms/x-cart/xcart-4.png" alt="Example" width="2462" height="1358" />

### Checkout [#checkout]

<img src="https://www.paypalobjects.com/ppdevdocs/img/docs/pay-later/commerce-platforms/x-cart/xcart-5.png" alt="Example" width="2616" height="2296" />

## See also [#see-also]

[See X-Cart Support](https://support.x-cart.com/en/collections/2575094-payment-methods#paypal) for more information about PayPal integrations.

[Return to Commerce Platforms](/v5/pay-later/commerce-platforms/)