Help grow sales with buy now, pay later options from PayPal
Expand reach, boost sales, and increase customer loyalty with PayPal Pay Later. More flexibility for your customers—no additional cost or risk to you.
Talk to your payments specialist to get started. Call 1-855-477-5687
Expansive network
Access our 400+ million accounts across the globe. Offer promotions in our shopping hub to help increase your exposure.
Speedy decisions
Rich historical data and advanced risk modeling are used to let customers know in seconds if their application is approved.
Seamless checkout
Give customers an easy to understand checkout experience from the most trusted brand of buy now, pay later providers across the US.1
Dynamic promotion
We’ll automatically present the most relevant Pay Later option as your customers browse, shop, and check out.
More about Pay Later messaging89%
of Pay in 4 spend in the US is from repeat users.2
4X
All generations use PayPal for buy now, pay later purchases 4X more than competing buy now, pay later providers.3
10%
PayPal Pay Later can increase customer average order value (AOV) by 10% compared to multiple competitors’ buy now, pay later AOV.4
1.5X
PayPal Pay Later users have 1.5X higher repeat purchasing compared to multiple buy now, pay later competitors.4
75%+
PayPal leads competing buy now, pay later providers in meeting consumer needs for security, trust, and convenience.5
46%
of those leveraging buy now, pay later from October through December 2020 used PayPal for that service.3
Short- and long-term installment options for small purchases and big tickets
Pay in 4
With our short-term payment option, your customers can pay for purchases of $30 to $1,500 in four interest-free payments.6 No late fees, ever.
How Pay in 4 works
A look at what your customers will see
How Pay in 4 works
A look at what your customers will see
Select Pay in 4 in checkout
Customers apply for Pay in 4 with no impact to their credit score6
Review the payment schedule
If approved, the first of four equal interest-free payments is paid at purchase—the balance is automatically paid on a predictable schedule
Track payment progress
Conveniently see status, make a payment, and review plan details
Retail leaders trust PayPal Pay Later
Pay Later helps your customers buy what they love now and pay for it later
| Features | Pay in 46 | Pay Monthly7 |
|---|---|---|
| Purchase amount | $30 to $1,500 | $199 to $10,000 |
| Number of payments | 4 payments | 6, 12, or 24 payments |
| Time between payments | Every two weeks | Monthly |
| Consumer APR | 0% APR | 9.99% to 29.99% |
| Repayment method | Debit card, credit card, or confirmed bank account | Debit card or confirmed bank account |
| Additional cost to businesses | None | None |
| Integration | Included with PayPal Checkout | Included with PayPal Checkout |
| Purchase Protection | Included | Included |
| Seller Protection | Included | Included |
What you need to know about Pay Later
Proprietary data and credit bureau data may be used to determine a customer’s creditworthiness. For Pay in 4, some consumers may require a soft credit check that does not impact their credit scores. Pay Monthly is subject to consumer credit approval.
Promote Pay Later options
Get the most out of Pay Later by letting your customers know they can buy today and pay over time with dynamic Pay Later messaging.
Learn More About Pay Later MessagingC-suite retailers like you are growing with Pay Later
Retail executives share how PayPal Pay Later helps them offer flexibility and increase trust with their customers.
Play the videoTim Engle
Chief Strategy Officer, JTV (Jewelry Television)
“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."
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 studyReport: The shifting dynamics of credit
Millennial and Gen Z consumers look for variety and flexibility in credit options.
Get the reportCase study: PayPal Pay Later is a critical part of JTV’s growth strategy
Pay in 4 helps decrease friction and increase incrementality for JTV (Jewelry Television), one of the largest jewelry retailers in the United States.
Read the case studyStart offering PayPal Pay Later
Let us help you put Pay Later to work for your business.
See how Pay Later can work for you
Contact your account representative or call 1-855-477-5687.
1 An online study commissioned by PayPal and conducted by Netfluential in November 2020, involving 1,000 US online shoppers ages 18-39.
2 PayPal internal October 2020 - November 2021. Results include Pay in 4 (US).
3 PaymentsSource, "Fintechs pounce while banks sit out”, Buy Now/Pay Later Survey, January 2021.
4 TRC online survey commissioned by PayPal in April 2021 involving 1000 US consumers ages 18+.
5 An online study commissioned by PayPal and conducted by Netfluential in November 2020, involving 1,000 US online shoppers ages 18-39. Responses by percentage of respondents: security (76%), trust (77%), and convenience (75%).
6 About Pay in 4: Loans to California residents are made or arranged pursuant to a California Financing Law License. PayPal, Inc. is a Georgia Installment Lender Licensee, NMLS #910457. Rhode Island Small Loan Lender Licensee. When applying, a soft credit check may be needed for some consumers, but will not affect their credit score.
7 Pay Monthly is subject to consumer credit approval. 9.99-29.99% APR based on the customer’s creditworthiness. PayPal, Inc.: RI Loan Broker Licensee. The lender for Pay Monthly is WebBank.
8 Available on eligible purchases. Limits apply. Read the terms and conditions of the PayPal Purchase Protection Program.
9 Available on eligible purchases. Limits apply.
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