PayPal + X-Cart

Boost conversion with PayPal.

PayPal’s brand recognition helps give customers the confidence to buy. Your all-in-one checkout solution can offer PayPal, Venmo, Pay Later options, card processing, local payment types, and more — all through a single PayPal integration.

46% higher checkout conversion with PayPal.¹

America’s most popular BNPL provider²

Help drive sales with Pay Later.

Allow customers pay in installments with Pay in 4 and Pay Monthly³ while you get paid up front — at no extra cost to your business. Turn on Pay Later messaging to automatically present the most relevant Pay Later option as your customers browse, shop, and check out. With repeat customers making up 66% of all US Pay Later transactions⁴, it’s no surprise that Pay Later can help attract and retain customers.

35% increase in cart size with Pay Later offers, when compared to standard PayPal transactions.⁵

Tap into over 90 million active Venmo accounts.⁶

Venmo is already part of your integration — at no additional cost. Gain appeal to Venmo customers by letting customers pay for purchases the same way they pay their friends. And help bring more visibility to your business with a payment method customers can easily share.

Take charge.

With PayPal, you can process all major credit and debit cards at a competitive rate. By bringing payments under one roof you can simplify reporting and consolidate your settlements to better understand your business.

95% checkout completion rate for credit and debit card payments.⁷

Accept Apple Pay and Google Pay.

Apple Pay and Google Pay are part of PayPal’s all-in-one solution so you won’t have to juggle multiple payment providers.

Make repeat purchasing easy.

PayPal enables you to securely save your customers’ payment methods, including PayPal, Venmo, Apple Pay, Google Pay, and credit and debit cards, providing a quick and easy checkout experience.

Create a fast checkout

With their payment info saved, customers can make repeat purchases in just a few clicks, helping you to improve checkout conversion.

Offer subscriptions

Saving a customer’s payment method allows you to set up recurring payments and charge your customer on a scheduled basis.

Reduce card declines

Card data can be kept current with account updater services to automatically update expired card information to help capture every sale.

Elevate security

Customers’ payment information is stored securely by PayPal, helping you ensure compliance and minimize risk.

Go global. Make it local.

With country-specific payment methods, you can reach international customers while making your business feel local. Build trust with local payment options that correspond to the shopper’s location.

More reasons to offer PayPal.

PayPal’s size, scale, and experience volume allows for strong global relationships to help you better serve customers, minimize costs, and help drive sales.

$1.36 trillion

total payment volume in 2022

20+ billion

transactions annually

400+ million

active PayPal accounts

35 million

active merchant accounts

#1

most downloaded finance and banking app globally⁸

200+

markets

130+

currencies

#1

in Consumer Report analysis for privacy, transparency, and security⁹

Designed with your business in mind.

Payment methods

PayPal, Venmo, and Pay Later options
Credit and debit card payments processed right on your site
Apple Pay and Google Pay
Local payment methods used around the world¹⁰
Funds credit immediately into your PayPal business account while payments process
Easy to add or upgrade in just a few steps

Flexible features

Save customer billing info for fast, convenient checkout
Mobile-friendly so customers can easily shop on any device
Drive authorization rates, reduce declines, and help capture every sale
Track all your transactions from one dashboard
Help drive authentication and fast checkout rates by saving customer card and billing info with card vaulting
Real-time account updater automatically updates lost, stolen or expired card details to help boost conversions
Add transparency for your card processing expenses with IC++ (Interchange Plus Plus)

Peace of mind

PayPal helps you handle the risk of fraudulent purchases
AI-powered fraud detection monitors all transactions
PayPal Seller Protection on eligible transactions safeguards PayPal Checkout¹¹
PayPal solutions help you meet global compliance standards
Additional security offers insights with Fraud Protection on eligible transactions¹²
Optional Chargeback Protection to help reduce fraud-related costs¹³

Simple setup

Activate PayPal

See how to activate.

Step 1Login to your X-Cart dashboard.

Step 2Go to “Settings”.

Step 3Select “PayPal Checkout”.

Step 4Once approved and enabled, you can start accepting payments with PayPal.

Pricing with no surprises.

No monthly or setup fees. Only pay when you get paid.¹⁴

Fees apply

Venmo is available only in the US.

Google Pay is a trademark of Google LLC.

Apple Pay is a registered trademark of Apple Inc.

^* Pay Later is available in US, UK, DE, FR, IT, ES, AU. Product availability subject to local requirements. Merchant and consumer eligibility varies depending on status. Credit checks, fees and other requirements apply and vary depending on product and jurisdiction. See product-specific terms for details.

¹ Nielsen Behavioral Panel of USA with 29K SMB monthly average desktop purchase transactions, from 13K consumers between April 2022-March 2023. Nielsen Attitudinal Survey of USA (June 2023) with 2,001 recent purchasers (past 4 weeks) from SMB merchants, including 1,000 PayPal transactions & 1,001 non-PayPal transactions

² PayPal is the most popular BNPL provider with 43% of BNPL users naming PayPal as their preferred provider. J.P. Morgan Research, “Buy Now Pay Later (BNPL) Report”, October 2022.

³ About Pay in 4: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. PayPal, Inc. is a GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee. Pay Monthly is subject to consumer credit approval. Term lengths and fixed APR of 9.99-35.99% vary based on the customer’s creditworthiness. The lender for Pay Monthly is WebBank. PayPal, Inc. (NMLS #910457): CT Small Loan Licensee. RI Loan Broker Licensee. VT Loan Solicitation Licensee.

⁴ Based on PayPal internal data from Jan 2022- Dec 2022.

⁵ Globally, Pay Later AOVs are 35%+ higher than standard PayPal AOVs for SMBs. Internal Data Analysis of 68,374 SMB across integrated partners and non integrated partners, November 2022. Data inclusive of PayPal Pay Later product use across 7 markets.

⁶ There are 90 million Venmo active accounts in the United States. PayPal Internal Data – 2022.

⁷ Based on PayPal internal data from 1st Jan 2022 – 31st Dec 2022.

⁸ In July 2022, PayPal was recognized as the #1 most downloaded finance and banking app globally. **Apptopia, Top 10 Finance & Banking apps, H1 2022. July 13, 2022.

⁹ CR (Consumer Reports), “Buy Now, Pay Later Apps Are Popular, but Are They Safe?” Consumer Reports , May 25, 2023.

¹⁰ Availability may vary depending on merchant’s integration method and geographic location.

¹¹ Available for eligible transactions. Limits apply.

¹² Available on eligible purchases.

¹³ Chargebacks that are not related to fraud or item not received (INR), such as broken Item, significantly not as described (SNAD), refund not processed, and duplicate charge, are not protected by Chargeback Protection. Chargeback Protection is available for accounts enrolled in Advanced Credit and Debit Card Payments.

¹⁴ Our standard rate pricing listed herein is for US transactions only in USD and is effective starting on August 2, 2021.

MRF-90295

Payments built on trust.