Give your sales a boost with Pay Later
at no additional cost to your business.
Give customers more ways to buy.
Pay in 4 and PayPal Credit1 are included in PayPal Checkout, so you can start offering customer financing immediately.
A win for your customers
You get paid up front, while your customers pay later.
Most trusted pay later brand
Rated most trusted brand across buy now, pay later providers.2
With Pay in 4, your customers have an interest-free option to buy now and pay later.3
With the ability to spread payments over time, purchases can become more affordable.
A win for your business.
Give shoppers more spending power and you can help boost your average order values.
Add dynamic Pay Later messaging to your site with a single integration.
No additional costs
Pay Later offers are included in your existing PayPal rate.4
Connect with active millennial and Gen Z PayPal shoppers around the globe.
What Pay Later means for your bottom line
64% more likely to purchase
Consumers say they are more likely to make a purchase with a retailer that offers interest-free payment options.5
56% increase in average order value (AOV)
Businesses with pay-over-time messaging on their site saw a 56% increase in overall PayPal AOV.6
400M active consumers around the world
PayPal connects you with 400M active consumer and merchant accounts globally.7
How It Works
Show dynamic pay later messaging on your site.
With Pay in 4 and PayPal Credit, you can help customers buy what they need when they need it. After setup, dynamic messaging will display the most relevant Pay Later offer to your customers.
Your customer selects their best option.
Flexible Pay Later options help your customers make their purchases today.
Customers get clear payment information.
And there are no application fees for consumers and no additional costs for your business.
PayPal does the rest
Once the order is processed, you get paid up front. And PayPal takes care of collecting payments from your customers.
1 PayPal Credit is subject to consumer credit approval.
2 An online study commissioned by PayPal and conducted by Netfluential in November 2020, involving 1,000 US online shoppers ages 18-39.
3 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.
4 Standard pricing applies. Find out more about fees here.
5 Online study commissioned by PayPal and conducted by Logica Research in May 2020 involving 2,000 U.S. consumers, half were PayPal Credit users and half were non-PayPal Credit users.
6 Average lift in overall PayPal AOV for merchants with PayPal Credit messaging vs. those without, 2019 PayPal internal data.
7 Q2 2021 Earnings July 28, 2021