Offer buy now, pay later options to your customers

– at no additional cost to you.

Get StartedContact Sales

Talk to a payments specialist to get started, 855-787-1014.

Give customers more ways to buy.

Pay in 4 and PayPal Credit1 are included in PayPal Checkout, so you can start offering customer financing immediately.

A win for your customers.

Payment flexibility

You get paid up front, while your customers pay later.

Interest-free choice

With Pay in 4, your customers can pay over time, and there’s no hidden cost.

Access to financing

Pay later options through PayPal, the brand they know and trust.

Purchasing power

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

A win for your business.

Increased sales

Give shoppers more spending power and you can help boost your average order values.

No additional costs

Pay later offers are included in your existing PayPal rate.2

Easy promotion

Add dynamic pay later messaging to your site with a single integration.

An expansive network

Connect with PayPal’s vast community of 346 million total active accounts globally.

Popular brands already offering PayPal buy now, pay later options


buy now pay later mobile

What buy now, pay later means for your bottom line

$0

additional costsPay later offers are included in PayPal Checkout at no extra cost to you.

56%

increase in average order value (AOV)3Businesses with pay-over-time messaging on their site saw a 56% increase in overall PayPal AOV.3

346M

activesPayPal connects you with 346M active consumer and merchant accounts globally.

See it in action

Show dynamic pay later messaging on your siteYour customer selects their best optionCustomer gets clear payment informationWe do the rest

Show dynamic pay later messaging on your site

With Pay in 4 and PayPal Credit1, you can help customers buy what they need when they need it. After setup, dynamic messaging will display the most relevant pay later offer to your customers.

Your customer selects their best option

Flexible pay later options help your customers make their purchases sooner.

Customer gets clear payment information

Your customer sees their payment schedule. And there are no hidden fees for their purchase or your business.

We do the rest

Once the order is processed, you get paid up front. And we take care of collecting the payments from your customers.

See it in action

Show dynamic pay later messaging on your site

Show dynamic pay later messaging on your site

With Pay in 4 and PayPal Credit1, you can help customers buy what they need when they need it. After setup, dynamic messaging will display the most relevant pay later offer to your customers.

Your customer selects their best option

Your customer selects their best option

Flexible pay later options help your customers make their purchases sooner.

Customer gets clear payment information

Customer gets clear payment information

Your customer sees their payment schedule. And there are no hidden fees for their purchase or your business.

We do the rest

We do the rest

Once the order is processed, you get paid up front. And we take care of collecting the payments from your customers.

Seamless setup

Already have a PayPal Business Account?

Whether you built your own website, work with a commerce platform, or work with a developer, we’ve got the right integration for you.

Ready to join the PayPal network?

Sign up for a PayPal Business Account and set up PayPal Checkout to start accepting and promoting pay later offers.

Available on the following commerce platforms


View all partners

For Large Enterprises

Ready to help your customers buy now, pay later, and build customer loyalty at checkout?

For Commerce Platforms and Marketplaces

Ready to help your merchants increase sales and offer buy now, pay later options on your platform?

Turn browsers into buyers

Infographic

Infographic

Why pay later is a win-win.

Customer financing.

Video

Customer financing. Perfected.

Webinar

Webinar

The rise of buy now, pay later.

1PayPal Credit is subject to consumer credit approval.

2Standard pricing applies. Find out more about fees here

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

About Pay in 4: Loans to California residents are made or arranged pursuant to a California Finance Lenders Law License.

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