Pay in 4
Add Pay Later to help increase shopper engagement and merchant sales

Broaden your platform’s capabilities with PayPal’s buy now, pay later offerings.

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Great for your platform

Increase platform monetization

Enable consumer buying power with Pay in 4, PayPal's interest-free payment option.4

Acquire new merchants

Offer merchants flexible payment options for their shoppers.

Reduce complexity

Deliver a comprehensive solution through a single PayPal integration.

Great for your customers

Shoppers get flexibility and choice

With the option to pay later, shoppers are more likely to purchase.1

Merchants get paid up front

PayPal takes care of collecting payments from shoppers.

No additional costs

PayPal Pay Later offers are included in their existing PayPal rate.2

buy now pay later

Turn shoppers into customers

64%

51%

74%

See it in action

Dynamically display the most relevant offerCustomers select their best optionCustomers get clear payment informationWe do the rest

Dynamically display the most relevant offer

With Pay in 4 and PayPal Credit4, 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 customers.

Customers select their best option

Flexible Pay Later options help customers make their purchases today.

Customers get 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, your merchants get paid up front. And we take care of collecting the payments from customers.

See it in action

Dynamically display the most relevant offer

With Pay in 4 and PayPal Credit4, 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 customers.

Customers select their best option

Flexible Pay Later options help customers make their purchases today.

Customers get 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, your merchants get paid up front. And we take care of collecting the payments from customers.

Contact us

Join the growing number of platforms and marketplaces offering Pay Later solutions from PayPal. Submit your contact information here.

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1Online 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.

2Standard pricing applies. Find out more about fees here.

3An online study commissioned by PayPal and conducted by Netfluential in November 2020, involving 1,000 US online shoppers ages 18-39 (Among BNPL users, n=357)

4About 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.

PayPal Credit is subject to consumer credit approval.

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