Help increase revenue with Pay Later options

– at no additional cost to you.

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Talk to your payments specialist to get started:
020 7949 4779

Customer financing. Perfected.

Pay in 3 enables shoppers to make purchases in three interest-free payments, while PayPal Credit1 is designed for larger purchases. Businesses pay no additional costs, so it helps increase revenue without increasing marketing costs.

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A win for your business

Stay relevant and grow your business

57% of consumers are more likely to make a purchase at a retailer offering interest-free payment options.2

£0 additional costs

PayPal Credit and Pay in 3 are included in PayPal Checkout at no extra cost to you.

56% increase in average order value (AOV)

Businesses in the US that use PayPal Credit messaging to explain that a customer can pay over time saw a 56% increase in overall PayPal AOV.3


More than 32.5 million active PayPal accounts in the UK (and growing) Attract next-gen shoppers – millennial and Gen Z – through PayPal's network.

A win for your customers

Interest-free choice

With Pay in 3, your customers can pay over time, and there’s no hidden cost.

Purchasing power

With the ability to spread payments over time, purchases become more affordable.

Access to financing

PayPal – the brand they know and trust.

Valuable resources for enterprise retailers


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The Next Big Advancement in Frictionless Checkouts.


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Brands that offer PayPal Pay Later:

Get started today

Book your consultation. Talk to your Account Manager,
call 020 794 94779 or fill out the form below.


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The content of this article is provided for informational purposes only. You should always obtain independent business, tax, financial, and legal advice before making any business decision. Promotion of PayPal Credit in the UK may require FCA permission.

Responsible Lending

At PayPal, we strive to keep our customers at the heart of everything we do. We want to build long-term relationships of trust with both the consumers and merchants using our services.

Our history of providing both regulated and unregulated credit products in the UK and elsewhere has enabled us to develop responsible lending practices for all our credit products. We aim to give clarity and support to all our customers, so that at application and throughout the product lifecycle, they have the information they need to make informed choices.

Our deep understanding of our customers’ transaction history allows us to assess whether a product is affordable for them. We undertake external credit checks when appropriate and support external reporting to credit reference agencies as this can give customers the ability to build a credit history, as well as enabling other lenders to make responsible lending decisions. All transactions are supported by PayPal security and we cover qualifying transactions with our Buyer Protection for added peace of mind. As a responsible lender we also provide support to customers should they experience payment difficulties.

1Pay in 3 and PayPal Credit eligibility is subject to status and approval. Pay in 3 is a form of credit, may not be suitable for everyone, and use may affect your credit score. See product terms for more details.

2An online study commissioned by PayPal and conducted by RFI Consulting in November and December 2020, involving 2,000 UK consumers.

3Average lift in overall PayPal AOV for merchants with PayPal Credit messaging vs. those without, 2019 PayPal internal data.

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