Get paid. Get growing. Get ahead.
Do more with the platform designed to power commerce.
High-income earners
In a survey of consumers about Buy Now, Pay Later, PayPal held more than a 50% share of BNPL users who earn over $125k annually.5
High approval rates
80M+ PayPal users globally are highly likely to be approved for Pay Later short-term installment offers.6
High spend potential
In the US, pre-approved Pay in 4 customers have been pre-qualified to spend a potential $80 billion.7
Show personalized messaging for Pay Later offers while your customers browse, shop, and check out. They’ll get a flexible way to pay. You’ll increase your sales.
Add dynamic messaging on your homepage and category pages to let visitors know they can enjoy now and pay over time.
Give customers browsing your product pages flexible financing options. Dynamic messaging will automatically show the relevant Pay Later offer.
At checkout, remind your customers they have flexible payment options.
Close the sale with Pay Later offers tailored to your shoppers.
Pay Later effortlessly completes and complements your checkout stack, giving customers additional flexibility in their purchase experience.
Shoppers see a Pay Later offer
Your customers see a Pay Later option while browsing their favorite products.
They choose to buy now and pay over time
Customers select the relevant installment offer: Pay Monthly or Pay in 4.
We collect the payments
You get paid up front. Your customers can track their progress. And you can get back to your business.
You track the results
View reports with sales, average order value, and customer info from Pay Later purchases.
It’s easy to add Pay Later to your checkout. Connect your store and start selling.
| For your business | Pay in 4 | Pay Monthly |
|---|---|---|
| Payment in full at checkout | ||
| Integration | Included with online checkout | Included with online checkout |
Seller Protection13
|
| For your customers | Pay in 4 | Pay Monthly |
|---|---|---|
| Purchase amount | Up to $1,500 | $49 to $10,000 |
| Number of payments | 4 payments | 3, 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 Protection14
|
No monthly or setup fees. Only pay when you get paid.
+$0.49 per transaction
Standard rate for domestic transactions. Fees are subject to change.
For established businesses that process a large volume of payments annually.
Boost sales when you offer the flexibility of Pay in 4 and Pay Monthly1 to shoppers who prefer to pay with PayPal.2