Amplify reach and trust

– with flexible revolving credit and installment buy now, pay later options

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Talk to your payments specialist to get started, 855-477-5687

Customer financing.
Perfected.

PayPal Pay Later provides access to 377 million active global accounts and multiple buy now, pay later offers in a single integration. Pay in 4 enables shoppers to make purchases in four interest-free payments, while PayPal Credit is designed for larger purchases.1 Customers get more buying power. You get help maximizing reach and revenue.

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The power of on-site promotional messaging

Presenting customers with buy now, pay later solutions early in the buying journey can help give them confidence that they can afford their purchase. In fact, we’ve shown that when businesses promote PayPal Credit, merchants could see an incremental 21% increase in sales.6 Download our guide to learn how you can join the 14,000 merchants already using upstream presentment of PayPal Buy Now, Pay Later.7

Revenue-driving wins for your business

56%
increase in average order value

Businesses with pay-over-time messaging on their site saw a 56% increase in overall PayPal AOV.2

21%
share of sales

B2C merchants said 21% of their online sales come from a buy now, pay later solution.3

65%
of Pay in 4 spend is from repeat users

And 60% of Pay in 4 users have completed 2+ transactions with Pay Later.4

The PayPal Pay Later advantage

Reach
377 million total active accounts globally

Attract new customers by accessing PayPal’s established network of active users.

Flexibility
2 solutions in 1 integration – at no additional cost to you

Integrate easily and add dynamic Pay Later messaging with just a few lines of code.

Trust
53% of young consumers trust PayPal to keep their financial information secure

Compared to an average of 3.7% among the top six competing buy now, pay later providers.5

Flexible fashion payment offers can help grow sales8

Case studyDestination XL Group

Learn how the largest retailer for big and tall shoppers in the US used PayPal Pay Later to help increase sales and average order values and grow their millennial and Gen Z customer base.8

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Global brands already offering PayPal Pay Later


Valuable resources for enterprise retailers

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1 About Pay in 4: Consumer late fee may apply for missed payments and varies by consumer’s state of residency. 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.
PayPal Credit is subject to consumer credit approval.

2 Average lift in overall PayPal AOV for merchants with PayPal Credit messaging vs. those without. 2019 PayPal internal data.
3 How Younger Audiences Value Credit Offerings Today, commissioned studies conducted by Forrester Consulting on behalf of PayPal involving 504 US consumers aged 18-39 and 473 B2C merchant respondents with influence over ecommerce and/or credit decisions, November 2020.
4 Analysis of PayPal internal data as of February 2021 (based on data October 2020 through February 2021).
5 An online study commissioned by PayPal and conducted by Netfluential in November 2020, involving 1,000 US online shoppers ages 18-39.
6 Average annual incremental sales based on PayPal’s analysis of internal data among 210 small and middle market merchants with annual sales up to $37MM against a broader group of merchants with 24 months of continuous DCC volume between January 2016 and November 2019.
7 PayPal Internal Data - Q4, 2020. Results include Pay in 4 (US), Pay in 3 (UK), PayPal Ratenzahlung (Germany) and Paiement en 4X (France).
8 DXL Case Study, 2021. Data based on the business’s own internal analysis. Results may vary substantially by business.

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