Boost sales with
PayPal Pay Later.
Get paid in full at checkout while giving your customers the flexibility to pay in installments over time—with no late fees for them or additional cost to you.
Sign UpContact Sales
Talk to an account specialist to get started,
1-855-787-1014.
Why Pay Later is
good for business
Increases order value
The PayPal Pay Later average order value (AOV) is 20% higher than the standard PayPal AOV for SMB retailers.1
Helps boost sales
Offering installment options can help drive conversion and customer loyalty.
Gets you paid upfront
Receive complete payment when orders are processed and we’ll take care of billing.
Drives loyalty
67% of Pay Later users in all markets are repeat buyers.2
PayPal Pay Later helps convert and increase average ordervalue
Approval rate
86%
approval rate for PayPal Pay Later in the US.3
Checkout conversion
62%
of PayPal purchasers say paying with Pay Later increased their likelihood to make a purchase.4
Preferredpayment method
65%
of PayPal Pay Later users have abandoned a purchase because Pay Later options were not available
at checkout.5
Drive conversion with Pay Later messaging
Automatically promote relevant Pay Later offers on your site at key points of the shopping journey. Customers are more likely to buy if they know they can pay in installments—so you’re more likely to make a sale.
6%
lift in sales after 3 months of adding Pay Later messaging for small and medium-sized businesses inthe US.6
Add Pay Later Messaging
Included with PayPalCheckout
It’s easy to add Pay Later messaging through your ecommerce platform or custom site once you have PayPal Checkout.
Meet customers where they’reat
Pay Later messaging will dynamically present installment payment options based on product price while customers shop.
Useful business insights
Get reports that show sales, average order value, and customer info from installment payment purchases—available only when you add Pay Later messaging.
Automatic updates
Once you enable dynamic messaging, new Pay Later options are automatically added at checkout when available.
How PayPal Pay Later works for yourcustomers
Shoppers are presented with a Pay Later offer
Dynamic messaging will automatically show the appropriate Pay Later offer: Pay Monthly7 or Pay in 48
They choose Pay in 4
Customers make a down payment and then pay the balance in three bi-weekly, interest-free payments. You’ll get paid in full upfront.
Or they choose Pay Monthly
Customers apply and know within seconds if they’re approved for monthly payments at varying APRs. You’ll still get paid in full.
Easy to pay and manage
Payments can be made automatically. Customers can review plan details online or in the app.
Installment payments are already available on these eCommerce platforms
Browse Solution Providers
Great for your customers and your bottomline
| For your business | Pay in 4 | Pay Monthly |
|---|---|---|
| Payment in full at checkout | ||
| Integration | Included with PayPal Checkout | Included with PayPal Checkout |
| Price | Included with PayPal Checkout at no additional cost. Explore pricing | Included with PayPal Checkout at no additional cost. Explore pricing |
Seller Protection9 |
| For your customers | Pay in 4 | Pay Monthly |
|---|---|---|
| Purchase amount | $30 to $1,500 | $199 to $10,000 |
| Number of payments | 4 payments | 6, 12, or 24 payments |
| Time between payments | 1 down payment at purchase, and then every 2 weeks | Monthly |
| APR | 0% | 9.99% - 35.99% APR based on the customer. 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 |
Join popular brands that offer PayPal PayLater
Steps to get
installment payments
1. Sign up
It all starts with a PayPal Business account. If you already have a Personal account, it's easy to upgrade or create a new Business account.
2. Set up PayPal Checkout
Connect your PayPal account to your ecommerce platform or code your custom PayPal Checkout. If you already have PayPal Checkout, make sure you’ve upgraded to the latest version.
3. Enable dynamic messaging
To show Pay Later promotional offers to shoppers while they browse your site, enable Pay Later messaging.
Frequently askedquestions
More ways to acceptpayments
We support businesses
just like yours
Every business needs a reliable partner. From secure payment processing to helpful business insights, we’re here for you.
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