Buy now, pay later

Delight customers with Pay in 4 and PayPal Credit payment options.

An icon showing a smartphone with four months of calendars , illustrating PayPal's Pay in 4 product

Pay Later options fit the unique needs of your customers.

Pay in 4 lets eligible consumers make a purchase and pay for it in four, interest-free payments.1

PayPal Credit is a digital/revolving credit line that includes a six-month special financing offer on purchases of $99+. See consumer terms.2

Acquire new customers

Tap into our powerful network of 400+ million active accounts.

Help grow sales

Businesses with pay-over-time messaging on their site saw a 56% increase in overall PayPal annual order volume.3

Engage younger shoppers

Millenial and Gen Z consumers trust PayPal for buy now, pay later options more than any other brand.4

Payment flexibility

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

Most trusted pay later brand

We’re rated the most trusted brand across buy now, pay later providers.5

Interest-free choice

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

Purchasing power

You get paid in full up front while PayPal takes care of billing and collecting payments.

Our pay later solutions let you expand your customers' buying power without taking on additional costs or risk. Talk to a Pay Later specialist today.

5 ways PayPal Pay Later is unique

All pay later solutions aren’t the same. Discover why ours helps you deliver a better experience for your customers.

Watch the video         


of PayPal Credit users are more likely to make another purchase from a store if the retailer offers PayPal Credit4


more trusted by millennials to keep their financial information secure than other buy now, pay later options5


of PayPal Credit users say they are much more likely to make repeat purchases from an online store offering PayPal Credit4

There are a lot of companies out there offering pay in 4 products, but they do not have PayPal’s ubiquity and trust. It’s PayPal’s brand that sets Pay in 4 apart. Personally, I will not shop on a site that does not offer PayPal.

Tim Engle

Chief Strategy Officer

JTV (Jewelry Television)

Guide: How to promote your Pay Later options

Learn how to automatically present your shoppers with the most relevant Pay Later options as they check out.

Download the guide         

Report: Use credit to engage young consumers

Millennial and Gen Z consumers don't fear credit, but they are looking for little-to-no interest.

Get the report         

Case study: Flexible payment options help grow sales

Destination XL Group (DXL) leveraged Pay in 4 to raise average order volume and better engage younger consumers.

Read the case study         

Contact our sales team

Learn how payments can be leveraged as a catalyst for growth.

Contact Sales

Explore developer documentation

See how our flexible and interoperable technology helps to simplify integration.

Visit Developer Docs

1 Pay in 4 is available upon approval for purchases of $30 - $1500. Pay in 4 is not currently available to residents of New Mexico, North Dakota, South Dakota, Missouri, Wisconsin, or any U.S. Territories. 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. For purchases made with Pay in 4 on or before September 30, 2021, late fees may apply for missed payments depending on your state of residency. When applying, a soft credit check may be needed, but will not affect the customer’s credit score. Customers must be of legal age in their U.S. state of residence to use Pay in 4. Offer availability also depends on the merchant. Offers are not pre-approved offers or firm offers of credit.

2 PayPal Credit is subject to consumer credit approval.

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

4 An online study commissioned by PayPal and conducted by Netfluential in November 2020, involving 1,000 US online shoppers ages 18-39: Gen Z (18-23) and Millennials (24-39)

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

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