Frequently asked questions

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One platform

for all business

Get paid. Get growing. Get ahead.

Do more with the platform designed to power commerce.

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91 %
91 %
higher average order value (AOV) than the standard PayPal AOV for enterprises.3
62 %
62 %
higher AOV than the standard PayPal AOV for small businesses.4

Connect with

high-potential shoppers

High repeat purchases

96% of PayPal Pay Later customers have made more than one purchase.5

High approval rates

90% of customers who apply for Pay Later are approved.6

High spend potential

Globally, the PayPal Pay Later average order value (AOV) is 81% higher than the standard PayPal AOV.7

Turn browsers into buyers

Show personalized messaging for Pay Later offers while your customers browse, shop, and check out. They’ll get a flexible way to pay. You’ll increase your sales.

Add dynamic messaging on your homepage and category pages to let visitors know they can enjoy now and pay over time.

+4.4 %
lift in sales after adding Pay Later messaging and 2nd button.8
Add Pay Later Messaging

Easy for your customers. Easy for you.

Pay Later effortlessly completes and complements your checkout stack, giving customers additional flexibility.

Offer

Shoppers see a Pay Later offer

Show customers that you offer Pay Later with messaging that seamlessly integrates into your product and checkout pages to help covert browsers into buyers.

Get paid

You get paid upfront, in full

We handle payment collection and assume credit and fraud risk so you can get back to running your business.

Track

Track sales results

Watch your sales, average order value, and repeat customers climb.

We’re already on these eCommerce platforms

It’s easy to add Pay Later messaging to your site. Connect your store and start selling.

Great for your customers.

And your bottom line.

For-your-business
For your business Pay in 4 Pay Monthly
Payment in full at checkout
Integration Included with Online checkout Included with Online checkout
Seller Protection9
For-your-customers
For your customers Pay in 4 Pay Monthly
Purchase amount from $30-$1,500 $49 to $10,000
Number of payments​ 4 interest-free payments 3, 6, 12, or 24 payments​
Time between payments​ First payment is due at the time of purchase with the remaining three automatically charged every two weeks. Monthly, $0 due at time of purchase
Consumer fees and interest None 9.99 – 35.99% APR based on the customer. Option to fund 0% APR campaigns for additional cost.
Repayment method​ Debit card, credit card, or bank account Debit card or bank account​
Purchase Protection​10

Pricing with no surprises

No monthly or setup fees. Only pay when you get paid.

4.90%

+ fixed fee per transaction

Standard rate for domestic transactions. Fees are subject to change.

More About Fees  

Custom pricing

For established businesses that process a large volume of payments annually.

Contact Sales  

One platform. Many ways to get paid.

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Installment Payments

A pay later provider customers prefer

Boost sales when you offer the flexibility of Pay in 4 and Pay Monthly1 to shoppers who prefer to pay with PayPal.2

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Get in touch, 1-866-357-0135.
1
Pay Monthly is available to approved consumers for purchases of $49 to $30,000 (CAD) for certain transaction types. Availability depends on the merchant. You must be age of majority in the province or territory where you live to apply. Any transactions in other currencies will be converted to Canadian dollars subject to applicable currency conversion charges. You may repay the amount you owe in full at any time without any fees or charges.
2
73% of consumers prefer PayPal Pay Later solutions over other Buy Now Pay Later options (Afterpay, Klarna, Affirm) at an LE​. Nielsen, B2C LE Insights (US market), commissioned by PayPal, Quantitative online survey, n=2064 US respondents, fielded February-March 2026.
3
Internal data analysis of large enterprise merchants with Pay Later transactions from January – December 2024.  Data inclusive of Pay Later transactions across 7 markets (US, UK, AU, DE, ES, IT, FR)
4
Internal data analysis of small business merchants with Pay Later transactions from January – December 2024.  Data inclusive of Pay Later transactions across 7 markets (US, UK, AU, DE, ES, IT, FR)
5
Based on PayPal internal data from March 2025 - February 2026.
Data inclusive of Pay Later transactions across 8 markets (US, UK (Pay in 3), AU (Pay in 4), DE, ES, IT, FR (Pay in 4X), CA (Pay in 4)). Merchant results will vary depending on merchant size, industry and market conditions.
6
Internal data analysis of merchants with Pay Later transactions from January – May 2025. Data inclusive of all Pay Later transactions (including reuse) across 7 markets (US, UK, AU, DE, FR, IT, ES).
7
Internal Data Analysis of merchants with Pay Later transactions from January – December 2024.
8
Disclaimer: Based on PayPal Internal data of U.S. merchants who have added Pay Later messaging/button between September 2020 to September 2025 who use PayPal for payment processing. Base: N=209
9
Available on eligible purchases. Limits apply.
10
Purchase Protection is available on eligible purchases. Terms and limitations apply.