Give your sales a boost with Pay Later

at no additional cost to your business.

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.

Most trusted pay later brand

Rated most trusted brand across buy now, pay later providers.3

Interest-free choice

With Pay in 4, your customers have an interest-free option to buy now and pay later.2

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 options are included in your existing PayPal rate.4

Easy promotion

Add dynamic Pay Later messaging to your site with a single integration.

NextGen Shoppers

Connect with active millennial and Gen Z PayPal shoppers around the globe.

Popular brands already offering PayPal Pay Later


buy now pay later mobile

What Pay Later means for your bottom line

64%

56%

377M

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 Credit, 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 today.

Customer gets clear payment information

And there are no application fees for consumers and no additional costs for 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

With Pay in 4 and PayPal Credit, 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 today.

Customer gets clear payment information

And there are no application fees for consumers and no additional costs for 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.

Seamless setup

Already have a PayPal Business Account?

Ready to join the PayPal network?

Available on the following commerce platforms


View all partners

For Large Enterprises

For Commerce Platforms and Marketplaces

Turn browsers into buyers

Infographic

Why pay later is a win-win.

Video

Customer financing. Perfected.

Webinar

The rise of buy now, pay later.

1PayPal Credit is subject to consumer credit approval.

2About Pay in 4: Loans to California residents are made or arranged pursuant to a California Finance Lenders Law License. PayPal, Inc. is a Georgia Installment Lender Licensee, NMLS # 910457.

3An online study commissioned by PayPal and conducted by Netfluential in November 2020, involving 1,000 US online shoppers ages 18-39.

4Standard pricing applies. Find out more about fees here

5Online study commissioned by PayPal and conducted by Logica Research in May 2020 involving 2000 U.S. consumers, half were PayPal Credit users and half were non-PayPal Credit users.

6Average lift in overall PayPal AOV for merchants with PayPal Credit messaging vs. those without, 2019 PayPal internal data

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