The platform designed to power commerce.
High repeat buyers
95% of Pay Later users are likely to make another Pay Later purchase.4
High approval rates
90M+ PayPal users globally are highly likely to be approved for Pay Later short-term installment offers.5
High order value
When consumers choose to pay in installments, their average order value is more than 80% higher than a standard PayPal transaction.6
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.
Give customers browsing your product pages flexible financing options. Dynamic messaging will automatically show the relevant Pay Later offer.
At checkout, remind your customers they have flexible payment options.
Close the sale with Pay Later offers tailored to your shoppers.
Pay Later effortlessly completes and complements your checkout stack, giving customers additional flexibility in their purchase experience.
Add Pay Later messaging to your site
Your customers see installment payment offers while browsing their favorite products.
Give customers the choice to Pay in 4 or Pay Monthly
Customers select Pay in 4 (four biweekly payments for purchases up to $1,500) or Pay Monthly (3 to 24 monthly payments for purchases from $49 to $10,000).
We collect the payments
We process the chosen installment plan and collect payments directly from the customer. You get paid the full purchase amount up front.
You track Pay Later sales
View reports with sales, average order value, and customer info from Pay Later purchases.
It’s easy to add Pay Later to your checkout. Connect your store and start selling.
| For your business | Pay in 4 | Pay Monthly |
|---|---|---|
| Payment in full at checkout | ||
| Integration | Included with online checkout | Included with online checkout |
Seller Protection11
|
| For your customers | Pay in 4 | Pay Monthly |
|---|---|---|
| Purchase amount | Up to $1,500 | $49 to $10,000 |
| Number of payments | 4 payments | 3, 6, 12, or 24 payments |
| Time between payments | 1 down payment at purchase, and then every 2 weeks | Monthly |
| APR | 0% | 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 confirmed bank account | Debit card or confirmed bank account |
Purchase Protection12
|
No monthly or setup fees. Only pay when you get paid.
+$0.49 per transaction
Standard rate for domestic transactions. Fees are subject to change.
For established businesses that process a large volume of payments annually.
Offer shoppers installment payments—Pay in 4 and Pay Monthly1—and get paid up front.