Installment payments

A pay later provider customers prefer

Boost sales when you offer the flexibility of Pay in 4 and Pay Monthly1 to shoppers who prefer to pay with PayPal.2

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Get in touch, 1-855-787-1014.
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-value shoppers

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

Turn browsers

into buyers

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 Pay Later Messaging
55 %
55 %
higher AOV than standard PayPal AOV when using Pay Later messaging.8
11 %
11 %
lift in sales for enterprises using Pay Later messaging.9
6 %
6 %
lift in sales for small businesses using Pay Later messaging.10

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.

Easy for your customers. Easy for you.

Pay Later effortlessly completes and complements your checkout stack, giving customers additional flexibility in their purchase experience.

We’re already on these eCommerce platforms

It’s easy to add Pay Later to your checkout. Connect your store and start selling.

Browse solution providers  

Pay Later

delivers results

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Great for your customers.

And your bottom line.

For-your-business
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
For your customers Pay in 4 Pay Monthly
Purchase amount Up to to
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% – 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 Protection​14

Pricing with no surprises

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

4.99%

+$0.49 per transaction

Standard rate for domestic transactions. Fees are subject to change.

More about fees  

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
About Pay in 4: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. PayPal, Inc. is a GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee.
Pay Monthly is subject to consumer credit approval. The lender for Pay Monthly is WebBank. PayPal, Inc. (NMLS #910457): RI Loan Broker Licensee. VT Loan Solicitation Licensee.
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
J.P. Morgan, Online Checkout Survey, November 2022. 162 BNPL users who earn more than $125K+.
Note: 2,032 responses out of 2,100 surveyed, 706 BNPL users, 1,326 non-BNPL users.
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
Based on PayPal internal data analysis of distribution of prequalified amounts shown to PayPal Pay in 4 customers from Aug 2023 to April 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
After 3 months when adding Pay Later upstream messaging. Based on an internal data analysis of retailers with PayPal Pay Later messaging from October 2020 through August 2023.
10
After 3 months when adding Pay Later upstream messaging. Based on an internal data analysis of small business retailers with PayPal Pay Later messaging from October 2020 through August 2023.
11
Data source from PayPal internal analysis of US sales for Whisker, May 2023 - May 2024 comparing purchases using other payment methods through PayPal.
12
Data source from Whisker, June 2024.
13
Available on eligible purchases. Limits apply.
14
Purchase Protection is available on eligible purchases. Terms and limitations apply.