Offer Pay Later

Drive sales with PayPal Pay Later.

Retailers trust PayPal Pay Later to help them reach new customers, boost sales, and increase customer loyalty. Offer flexible buy now, pay later options1—with no additional cost or risk for your business.

A mobile phone screen of a customer at checkout; a tile offering 2 Pay Later options: Pay in 4 and Pay Monthly

Attract and retain customers

Millions of ready-to-shop customers

65% of US active customers are pre-approved for PayPal Pay in 4.2 They may also check their Pay in 4 prequalified amount in the PayPal App.

Speedy decisions

Rich historical data and advanced risk modeling are used to let customers know in seconds if their application is approved.

Seamless checkout

With just a few lines of code, give customers a fast and easy checkout experience. It’s already included with your PayPal integration.

Dynamic messaging

Automatically present the most relevant Pay Later option as your customers browse, shop, and check out.

Why businesses trust PayPal Pay Later

90 %
approval rate for Pay Later customers globally3
55 %
Pay Later average order values (AOV) are 55% higher than standard PayPal AOV for large enterprise retailers globally4
35 %
of PayPal Pay in 4 purchases made by PayPal Pay in 4 customers are at the same merchant5
81.6
net promoter score (NPS) of Global Pay Later6

Installment options for purchases big and small

How Pay in 4 works for your customers

  • Short-term option that lets customers pay in four, interest-free payments1

  • For purchases that range from $30 to $1,500

  • No late fees

Automatically show customers Pay Later offers

Turn browsers into buyers with dynamic messages throughout the shopping journey.

Customers choose Pay in 4

They can apply for Pay in 4 with no impact to their credit score.1

They review their payment schedule

If approved, the first of four equal interest-free payments is paid at purchase. The rest of the payments will be paid automatically on a predictable schedule.

We make it easy to track payments

Customers can make a payment and review plan details at any time in the PayPal app.

How Pay Monthly works for your customers

  • Longer-term payment option that lets customers pay over 6, 12, or 24 months at varying APR⁷
  • For purchases that range from $199 to $10,000
  • 0% APR campaigns available for an additional fee, which can help accelerate sales
  • No late fees

Automatically show customers Pay Later offers

Turn browsers into buyers with dynamic messages throughout the shopping journey.

Customers choose Pay Monthly

They apply and know within seconds if they’re approved. You can also offer financing at 0% APR for an additional fee—which could help customers complete their purchase.

They choose a payment plan that works for them

Once approved, customers choose a plan and make predictable payments each month.

We make it easy to track payments

Customers can make a payment and review plan details at any time in the PayPal app.

PayPal is #1 in a Consumer Reports analysis for privacy, transparency, and security.8

PayPal Pay Later pays off for all types of businesses

Large enterprises that offer Pay Later in the US enjoy higher average order values (AOV) than standard PayPal AOV.9

Compare Pay Later options

Both Pay in 4 and Pay Monthly let your customers buy what they love now and pay for it later.

Compare Pay Later options
Pay in 41 Pay Monthly1
Purchase amount

$30 to $1,500

$199 to $10,000
Number of payments 4 interest-free payments 6, 12, or 24 payments
Time between payments Bi-weekly (1 down payment & 3 payments) Monthly
APR 0% 9.99%-35.99% APR, and as low as 4.99% APR from time to time. 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 Protection10 Included Included
Sign-up and late fees None None
Autopay available Automatically enrolled at time of purchase Enroll in autopay at time of purchase or any time after

Retail leaders love PayPal Pay Later

Explore articles, case studies, and more

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Frequently asked questions

Start offering PayPal Pay Later

Let us help you put Pay Later to work for your business.

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