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Customize Pay Later messaging on X-Cart
Last updated: July 6, 2026
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
- Before you begin, learn more about Pay Later offers.
- Before you enable the Pay Later messaging and button, learn about Pay in 4 for X-Cart.
- If you are a new user, enable PayPal Checkout for X-Cart.
- 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
Note: Ensure that PayPal Checkout is enabled for your X-Cart store.
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Log in to your X-Cart admin panel.
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Navigate to PayPal Checkout and select the Settings tab.
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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.
Pay Later banner
The Pay Later banner will appear in the following locations:
Product details pages
Cart preview widget
Cart page
Checkout
See also
See X-Cart Support for more information about PayPal integrations.