PayPal + X-Cart

Grow your business with the name shoppers trust

Consumers are nearly 3 times more likely to complete their purchase when PayPal is available at checkout.1

Activate PayPal

Turn browsers into buyers with Pay Later.

There’s no additional cost to your business.

PayPal Pay Later
Customers automatically see the most relevant Pay Later offers while they shop.

PayPal Pay Later options include Pay in 4 and Pay Monthly* and allow customers to pay over time while you get paid up front — at no additional cost to your business. And since 81% of consumers decide which payment method to use before they get to checkout1, adding dynamic Pay Later messaging can help you increase conversions2, boost average order values (AOV)3, and encourage customers to buy more4 — and more often.5

Pay in 4

4 interest-free payments over 6 weeks on purchases up to $1,500.

Pay Monthly

6, 12, or 24 monthly installments on purchases up to $10,000.

Learn more

What Pay Later can mean for your bottom line


PayPal is the most trusted brand across buy now, pay later (BNPL) providers.6


of BNPL users agree that seeing a BNPL message while browsing gives them the ability to spend more.8


of BNPL users say that seeing a BNPL message while shopping encouraged them to complete a purchase.7


of Millennial and GenZ BNPL users are more likely to shop at a merchant again if offered a BNPL option.9

Get the support and protection your business deserves

Instant access to funds

Access card payments, send money or make a payment from your bank account. You’re credited immediately while the payment is processing. Funds settle instantly into your PayPal business account.

Fraud detection

Save time and money by letting PayPal help you handle the risk of fraudulent transactions with our fraud, chargeback, and Seller Protection* capabilities (on eligible transactions). Our AI technology works hard to monitor all of your transactions — so you can focus on what matters most.

*Available on eligible purchases. Limits apply.

Global compliance

PayPal payment solutions help you meet your global compliance standards, such as PCI and PSD2, bringing international markets within reach for your business. Our platform has built-in compliance with two-factor authentication provided by cards (3D Secure). We include automatic updates as security protocols change.

Add the value of PayPal to your business

Simple, transparent pricing12

Domestic fees per transaction

Online Credit and Debit Cards (without Chargeback Protection13)2.59% + $0.49
Online Credit and Debit Cards (with Chargeback Protection13)2.99% + $0.49
PayPal Digital Payments143.49% + $0.49
In-person PayPal and Venmo QR code Payments151.90% + $0.10

Want to See Your Store in Action?

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