Pay in 4

A pay later provider customers prefer

Boost sales when you offer the flexibility of Pay in 41 to shoppers who prefer to pay with PayPal.2

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91 %
91 %
higher average order value (AOV) than the standard PayPal AOV for enterprises.3
62 %
62 %
higher AOV than the standard PayPal AOV for small businesses.4

Connect with

high-potential shoppers

High repeat purchases

Returning buyers make up 74% of Pay Later sales.5

High approval rates

90M+ PayPal users globally are highly likely to be approved for Pay Later short-term installment offers.6

High spend potential

Globally, the PayPal Pay Later average order value (AOV) is 81% higher than the standard PayPal AOV.7

Enable Pay in 4 messaging to drive sales

Help increase your sales by showing personalised Pay in 4 offers while customers browse, shop, and check out, giving them a flexible way to pay.

Add Pay in 4 Messaging
55 %
55 %
higher average order value with Pay Later messaging.8
14.7 %
14.7 %
Increase in spend after adding Pay Later messaging.9

Turn browsers into buyers

Add messaging that updates as your visitors move from homepage to product page to cart to let them know they can pay over time with Pay in 4.

Easy for your customers. Easy for you.

Pay in 4 effortlessly completes and complements your checkout stack, giving customers additional flexibility.

We’re already on these eCommerce platforms

It’s easy to add Pay in 4 messaging to your site. Connect your store and start selling.

Great for your customers.

And your bottom line.

For-your-business

For your business

Pay in 4

Payment in full at checkout

Integration

Included with Online checkout

Seller Protection10

For-your-customers

For your customers

Pay in 4

Purchase amount

from $30-$1,500

Number of payments​

4 interest-free payments

Time between payments​

First payment is due at the time of purchase with the remaining three automatically charged every two weeks.

Consumer fees and interest

None

Repayment method​

Debit card, credit card, or bank account

Purchase Protection​11

Pricing with no surprises

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

Custom pricing

For established businesses that process a large volume of payments annually.

Contact Sales  

One platform. Many ways to get paid.

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Frequently asked questions

Get smarter. Grow faster.

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PayPal Open

One platform

for all business

Get paid. Get growing. Get ahead.

Do more with the platform designed to power commerce.

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1
Pay in 4 is available to approved consumers for purchases of $30 to $1,500 (CAD) for certain transaction types. Availability depends on the merchant. You must be age of majority in the province or territory where you live to apply. Any transactions in other currencies will be converted to Canadian dollars subject to applicable currency conversion charges. You may repay the amount you owe in full at any time, without any fees or charges
2
82% of PayPal Pay Later users surveyed prefer to pay with PayPal when it's available. Nielsen Survey, Commissioned by PayPal, Nielsen Media Attitudinal Survey of USA (February 2023) with 3,999 recent purchasers (past 2 weeks) from large enterprise merchants, including 1,999 PayPal transactions & 2,000 non-PayPal transactions. Base N. PayPal BNPL (Pay Monthly and/or Pay In 4) users in last 12 months = 2,334​.
3
Internal data analysis of large enterprise merchants with Pay Later transactions from January – December 2024. Data inclusive of Pay Later transactions across 7 markets (US, UK, AU, DE, ES, IT, FR)
4
Internal data analysis of small business merchants with Pay Later transactions from January – December 2024. Data inclusive of Pay Later transactions across 7 markets (US, UK, AU, DE, ES, IT, FR)
5
Based on PayPal internal data analysis of merchants with Pay Later transactions from January 2024 - December 2024. Data inclusive of PayPal Pay Later transactions across 7 markets (US, UK, AU, DE, ES, IT, FR).
6
Internal PayPal data projection, June 2023. Global Pay Later pre-approved offers are limited to short term installment offers only including Pay in 4 (US, AU), Pay in 3 (UK, IT, ES), and Paiement en 4x (FR).
7
Internal Data Analysis of merchants with Pay Later transactions from January – December 2024.
8
Based on an internal data analysis of Pay Later retailers, October 2020 through August 2023. Data inclusive of transactions using PayPal Pay Later products across 7 markets (US UK AU DE FR IT ES).
9
Small business merchants adopting PayPal Pay Later messaging and/or PayPal Pay Later 2nd button at checkout experienced +14.7% increase in PayPal Branded Total Payment Volume (TPV) in Buy Now Pay Later (BNPL) live countries. Small business merchants adopting PayPal Pay Later messaging and/or PayPal Pay Later 2nd button at checkout experienced +14.7% increase in PayPal Branded Total Payment Volume (TPV) in Buy Now Pay Later (BNPL) live countries.
10
Available on eligible purchases. Limits apply.
11
Purchase Protection is available on eligible purchases. Terms and limitations apply.