How to use a b​​uy now, pay later service in-store in 4 steps

Buy now, pay later (BNPL) is used easily for in-store purchases. All buyers need to do is confirm which payment methods the retailer accepts, then apply in the app. Then, you get a virtual card to make the payment.

Moving can be very stressful, especially when you want to quickly get settled in but don’t have the funds to buy everything you need.

Knowing how to use a buy now, pay later (BNPL) service in store can be key to managing your expenses during this time. From essential packing supplies to that perfect new couch, the costs for home goods can quickly multiply. Using BNPL can allow you to stabilize your cash flow.

Keep reading to learn how to use BNPL, pros and cons, and learn more about how PayPal Pay Monthly¹ in-store works.

Table of contents

• How to use buy now, pay later in-store
• Potential pros and cons of using buy now, pay later for in-store purchases
• When to use buy now, pay later for in-store purchases
• How does the PayPal Pay Monthly option work for in-store purchases?
• Buy Now, Pay Later with PayPal
• Frequently asked questions

How to use buy now, pay later in store

If you are facing a big expense, like furnishing a new home,​ ​buy now, pay later can be a smart financial tool. This option lets you take care of large purchases immediately, spreading the cost into a predictable payment schedule.

Here’s how services like PayPal Pay Monthly work.

1. Research which retailers accept in-store buy now, pay later

The first step is smart shopping. You should confirm which payment methods the retailer accepts, including Mastercard or Visa, or if they allow Apple Pay, Google Pay, or Samsung Pay before heading to the checkout line. Moving costs add up, so look for major home goods and supply stores that partner with flexible payment providers.

2. Request a virtual credit card or create a QR code

Your phone becomes your financial toolkit when in-store. Open your BNPL provider's app to initiate a new purchase plan. You will usually enter the estimated total cost of your moving supplies or home goods.

The app quickly processes your request and provides one of two tools for contactless payment: either a one-time-use virtual card number or a unique QR code. You'll need this new virtual card number or QR code for checkout.

3. Make a purchase with your digital wallet

If you received a one-time virtual card or QR code, immediately add it to your phone's digital wallet. At the checkout counter, simply open your digital wallet app, e.g. Apple Pay or Google Pay.

For contactless payment, hold your phone near the terminal and select your new pay later card. If the retailer uses a QR code method, scan the code displayed at the register with your BNPL app. The full purchase amount is processed right away.

Potential considerations of using buy now, pay later for in-store purchases

Using a buy now, pay later option like PayPal Pay Monthly for large purchases is convenient, but requires a clear understanding of spending categories and habits. Here are some of the potential benefits and drawbacks to consider before you finance your next big purchase.

When to use buy now, pay later for in-store purchases

Buy now, pay later is a strategic tool for the savvy consumer that can be used for large one-time purchases or as a part of regular spending. The financial flexibility of this service shines when a sudden, high-cost item disrupts your carefully planned monthly budget:

• Moving: When moving, use BNPL to purchase high-cost items like moving storage containers. This prevents you from depleting your cash reserves all at once.
• Electronic and appliance purchases: BNPL is perfect for large, one-off electronics or appliance needs to fully furnish a new space. It helps you acquire an expensive refrigerator or TV immediately, spreading the payment out over several months.
• Managing funds in and out: You might have the cash for a big-ticket item, but it is currently sitting in a high-yield savings account. Using an interest-free BNPL plan lets funds keep earning for a few extra weeks or months.

How does the PayPal Pay Monthly option work for in-store purchases?

When large, necessary moving costs arise, the PayPal Pay Monthly option offers a familiar and secure method to split payments in-store.¹ This service is designed specifically for high-value items, like new furniture or major appliances. It offers flexible, extended payment terms for purchases up to $10,000.

Many in-store payment services only offer small, four-payment plans. Pay Monthly in-store is different because it gives you flexible monthly installments, perfect for optimizing your budget during a high-cost move. You can also get the added security of PayPal Purchase Protection on eligible purchases.² This peace of mind is not always available with short-term payment plans.

The application process is fast and simple. You quickly apply for your desired amount right in the app. If approved, you are issued a single-use virtual card. You can instantly use this card via your digital wallet at checkout.

Get what you need for your new home right away when you choose to ​​Pay Later in-store with PayPal.