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Put the power of financing to work for your business

Key Facts

  • Offering financing increases customers’ buying power and encourages them to buy more.
  • PayPal Credit, a PayPal service, gives sellers of all sizes the ability to offer financing without credit risk.
  • You get paid in full up front, while customers have up to six months to pay for their purchases.
  • There’s no additional fee for offering financing – just pay your regular PayPal solution fees.
  • PayPal Credit handles the billing and payment collection so you don’t have to.
  • It’s free to advertise on your website and in emails that financing is available. Use our ready-made banners ads.

Offering financing to customers is one way you can increase order sizes and drive more sales. Large merchants have long offered financing because they know increasing their customers’ buying power is an easy way to boost sales. But until now, smaller businesses haven’t been able to use this tactic because of the costs and risk associated with providing their own financing.

PayPal Credit changes all of that. Now you can give your customers access to six months’ financing on purchases of $99 or more.1 It puts the power of consumer financing on your side – no matter how small your business. The great news is, even though your customers will have more time to pay, you still get paid in full, up front. And there’s no additional cost to offer PayPal Credit financing; you simply pay your current PayPal payment solution fees.

Does offering financing really make a difference?

In a word, yes. Customers often think about how they’re going to pay for a purchase while they’re still shopping. And if they know they have the flexibility to buy now and pay later, they’re more likely to keep adding merchandise to their cart – so you capture sales you may have otherwise missed. Offering financing can also:

  • Give buyers more time to pay for their purchases.
  • Inspire customers to spend more, boosting your average order size.
  • Let customers know that you give them more choices, so they come back to shop again.

Plus, the application process is easy for customers: They simply check out with PayPal and select the PayPal Credit payment option, enter two pieces of information, review and accept the terms and they can get a decision in seconds.

How do I encourage customers to use it?

Of course, in order for customers to spend more, they need to know that they have financing options available while they’re shopping. In other words, you need to advertise financing both on your website and in your email communications with customers.

The good news: PayPal makes advertising easy, too. PayPal offers an array of free, ready-made banner ads you can put on your website and in emails – and it just takes a few minutes.

Banner Ads

To put banner ads on your home page, product page or anywhere else on your site, all you need to do is copy and paste a few lines of code. Here’s how:

Go to and click the “Get Started” button in the middle of the page.

  • Choose your banner ad and copy the code.
  • Paste the code on your website.

You decide where to place banner ads and which size to use. For the best results, make the ads easy for your customers to find and place them throughout your site as customers shop. To get the most out of your banner ads, place them in the following locations:

  • On your home page, above the fold.
  • On your product pages, near the “add to cart” button.
  • On your shopping cart and/or order summary page.

These locations will ensure that your customers see the financing option, bringing it top-of-mind as they shop.

Email Banners

Including banner ads in your emails is also a smart move because the sooner your customers start thinking about financing their purchases, the more likely they may be to spend more. And you use the same copy-and-paste process for putting banner ads in your emails:

Go to and click the “Get Started” button in the middle of the page.

  • Choose your banner ad and copy the code.
  • Paste the code into your email’s HTML code where you want the banner to appear.

Just like with the web ads, you choose the ad size that will work best for your emails. PayPal recommends placing the banner ad near the top of your email, so your customers will see it as soon as they open the message.

How does financing benefit me?

When your customers finance purchases with PayPal Credit, you don’t assume any credit risk or have to worry about billing customers and collecting their payments. So if a customer doesn’t pay, there’s no impact to your business or your account balance – PayPal won’t deduct the amount from your account to cover the loss.

PayPal Credit is already built into most PayPal payment solutions – at no additional cost to your business. And it’s free to put banner ads on your website and in customer emails.

Best of all, you still get paid up front, just like you do with your other PayPal transactions, while customers have more time to pay. Everybody wins.

When asked about PayPal Credit, business owner John Yates said, “ My average order value jumped significantly during the holiday season – thanks, in large part, to PayPal Credit. I put banners on my site to let customers know they could finance their purchases, and that helped drive larger orders.”

So what are you waiting for? Download your financing banners now at

1 Interest will be charged to the account from the transaction posting date if the purchase balance is not paid in full within 6 months. Customers check out with PayPal and use PayPal Credit. PayPal Credit is subject to consumer credit approval, as determined by the lender, Comenity Capital Bank.