What are Pay Later payments?

Pay Later payments give shoppers the flexibility to pay for purchases over time. When you offer Pay Later, your customers can choose between Pay in 30 Days or Pay in 3 — whichever works best for them.

How do I get Pay Later?

Sign up for a PayPal Business Pay Later and set up PayPal Checkout on your website— both Pay in 30 Days and Pay in 3 already included. Once you're set up, you can add dynamic messaging to promote Pay Later as customers browse, shop, and check out.

How much does Pay Later cost?

Pay Later is included with PayPal Checkout at no additional cost. You'll be charged our standard PayPal payments transaction fee when customers pay with Pay Later.

You get paid in full as soon as the transaction is completed. We handle billing on our end so you don’t have to.

How do refunds work with Pay Later?

When a customer returns something they purchased with Pay in 30 Days or Pay in 3, use our standard refund process and we'll provide a credit to the customer.

What if a customer doesn’t pay on time or at all?

You’ll get paid in full once the order is processed, so there's no additional risk to you if a customer doesn’t pay on time or misses a payment.

Instalment payments

Offer the flexibility of Pay Later

Help lift sales by offering your customers the flexibility of Pay Later.¹

Add Pay Later Messaging, or get in touch, 0207 949 3272

71 %

customer trust score, Fairer Finance Buy Now Pay Later ratings.²

97 %

Of Pay Later users in the UK are repeat users.³

+11 %

Increase for PayPal Merchant sales in the United Kingdom, after adopting upstream messaging and 2nd button.⁴

Fewer abandoned carts

28% of consumers said they would not have made a purchase without Pay in 3.⁵

Turn browsers into buyers

Show personalised messaging for Pay Later offers while your customers browse, shop and check out. They get a flexible way to pay – you increase your sales.

Add PayLater Messaging

Messaging that connects

Add dynamic messaging on your homepage and category pages to let visitors know they can enjoy now and pay over time.

Messaging that connects

Give customers browsing your product pages flexible finance options. Dynamic messaging will automatically show the relevant Pay Later offer.

Messaging that connects

At checkout, remind your customers they have flexible payment options.

Close the sale with Pay Later offers tailored to your shoppers.

Easy for your customers. Easy for you.

Pay Later effortlessly completes your checkout stack, giving customers additional flexibility in their purchase experience.

Let them Pay in 3 or pay after 30 days

Pay in 3 Pay in 30

Shoppers get Pay in 3 offer

Your customers get a Pay in 3 option while browsing their favorite products.

They choose to buy now and Pay in 3

Customers make the first payment straight away and pay the remaining balance in two monthly, interest-free payments. You'll get paid in full upfront.

We collect the payments

You get paid up front. Your customers can track their progress. And you can get back to your business.

You track the results

View reports with sales, average order value, and customer info from Pay in 3 purchases.

How Pay in 30 Days works for your customers

PayPal lets your customers Pay in 30 days with no interest or fees, giving them time to review purchases at their convenience.

Short-term option, letting customers buy now and pay after 30 days
Customers can defer their payment once for an additional 10 days, with no fees
For purchases between £ 1 and £ 900

Show Pay in 30

Keep customers moving through checkout by letting them know they can pay over time at every stage of their shopping journey.

Buyers choose the offer

Receive your money right away. No waiting. No hassle. The money automatically gets debited from your customers’ bank account after 30 days.¹

Keep track of the results

View reports with sales, average order value, and customer info from Pay in 30 purchases.

Great for your customers.

And your bottom line.

Compare our Pay Later features
For your business	Pay in 3	Pay in 30 days
Payment in full at checkout
Integration	Included with PayPal Checkout	Included with PayPal Checkout
Price	Included with PayPal Checkout at no additional cost. Explore pricing.	Included with PayPal Checkout at no additional cost. Explore pricing.
Seller Protection⁶

Compare our Pay Later features
For your customers	Pay in 3	Pay in 30 days
Purchase amount	£20 to £3,000	£1 - £900
Number of payments	3 payments	One-time, after 30 days
Time between payments	Initial payment made at the point of purchase with the following two payments made on the same date over the next two months	Not specified
APR	0%	No cost for paying after 30 days. Customers can postpone the due date once by 10 days.
Repayment method	Debit card or confirmed bank account	Debit card or confirmed bank account
Buyer Protection⁶

We’re already on these eCommerce platforms

It’s easy to add Pay Later messaging to your checkout.

Connect your store and start selling.

Browse Solution Providers

Pay Later delivers results

BT Shop increased its average

order value by more than 300%

“We want to support customers who want options in how to pay. We have a really credible partner in PayPal.”

—Duncan Rutherford, Head of eCommerce, BT Shop

100 %

satisfaction rating from BT Shop.⁷

321 %

higher Pay Later AOV than standard PayPal transactions.⁸

Read Case Study

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Pricing with no surprises

No monthly or setup fees. Only pay when you get paid.

More About Fees

One platform.

Many ways to get paid.

Online checkout

POS system

Guest checkout

Invoicing

Recurring payments

PayPal Payments

Payment links

Virtual Terminal

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Frequently asked questions

Sell smarter. Grow faster.

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Do more with the platform designed to power commerce.

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Business Types

Accept Payments

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Financial Services

Instalment payments

Offer the flexibility of Pay Later

Fewer abandoned carts

Turn browsers into buyers

Messaging that connects

Messaging that connects

Messaging that connects

Easy for your customers. Easy for you.

Let them Pay in 3 or pay after 30 days

Offer

Pay

Manage

Track

How Pay in 30 Days works for your customers

Offer

Pay

Manage

Great for your customers.

And your bottom line.

We’re already on these eCommerce platforms

Pay Later delivers results

BT Shop increased its average

order value by more than 300%

Pricing with no surprises

One platform.

Many ways to get paid.

Frequently asked questions

Sell smarter. Grow faster.

PayPal Open

One platform

for all business

Shopping & Rewards

Send & Receive

Manage Your Money

Business Types

Accept Payments

Risk & Operations

Financial Services

Instalment payments

Offer the flexibility of Pay Later

Fewer abandoned carts

Turn browsers into buyers

Messaging that connects

Messaging that connects

Messaging that connects

Easy for your customers. Easy for you.

Let them Pay in 3 or pay after 30 days

Offer

Pay

Manage

Track

Offer

Pay

Manage

Track

How Pay in 30 Days works for your customers

Offer

Pay

Manage

Offer

Pay

Manage

Great for your customers.

And your bottom line.

We’re already on these eCommerce platforms

Pay Later delivers results

BT Shop increased its average

order value by more than 300%

Pricing with no surprises

One platform.

Many ways to get paid.

Frequently asked questions

What are Pay Later payments?

How do I get Pay Later?

How much does Pay Later cost?

When do I get paid?

How do refunds work with Pay Later?

What if a customer doesn’t pay on time or at all?

Sell smarter. Grow faster.

PayPal Open

One platform

for all business