Help sought for Pay Later payment options

[jonjack]

I am working on a Paypal integration that uses the Paypal server side API to create a purchase transaction.
The response from paypal includes a redirect URL to which to redirect the customer to login/authorize the payment via their Paypal account.
In this scenario I am not in control of what appears on the payment page since it is using Paypal's native payment UI. My question is, how do I enable Pay Later options, such as Pay in monthly installments?
The Paypal documentation only seems to deal with the case where yo are building your own front-end.

During my testing, when I logged into PayPal to authorize a payment the Apply for Credit button was displayed but not the Pay Later options. Can anyone briefly explain what criteria controls whether the customer sees the Pay Later option please?

The Developer documentation seems to suggest that for merchants implementing their own checkout using the JS SDK they can control these buttons by passing the right parameters to the SDK. So is the display of these buttons managed purely from the state of a customer's account or can the merchant influence it as well? 

[MTS_Chiranjeevi]

Good day @jonjack,

Thank you for contacting PayPal community.

Our sincere apologies for the inconvenience caused.

The buttons that display are decided automatically, based on a range of factors, including:

• Buyer country

• Device type

• Funding sources the buyer has opted to see.

https://developer.paypal.com/docs/checkout/standard/customize/buttons-style-guide/#link-whichbuttons... 

As a result, each buyer might see a unique combination of buttons. This is expected behaviour of the product. 

By default, funding source eligibility is determined based on a variety of factors. Enable funding can be used to ensure a funding source is rendered, if eligible.

https://developer.paypal.com/docs/checkout/pay-later/gb/#link-eligibility  

Pay Later in the UK includes the following:

• Pay in 3 - Eligible UK buyers can pay in three interest-free payments for purchases of £30 – £2,000.
• PayPal Credit - Eligible UK buyers receive a revolving line of credit that they can use to pay over time. PayPal Credit offers either 0% interest for 4 months on purchases over £99 or a merchant-specific Installment offers. For the 0% interest for 4 months offer, any remaining balance due after the promotional period or any transactions under £99 are charged interest at the standard variable rate. Terms and conditions apply.

To add Pay Later button :  Render the Pay Later button in a one-time payment integration by passing enable-funding=paylater in the PayPal JavaScript SDK. For details, see enable funding.

Please refer the below guide links : 

https://developer.paypal.com/docs/checkout/pay-later/gb/#link-paylaterbutton. 

https://developer.paypal.com/docs/checkout/pay-later/gb/  

Add Pay Later offers through an e-commerce platform and PSPs : https://developer.paypal.com/docs/checkout/pay-later/gb/commerce-platforms/.  

Thank you so much for your patience and understanding.

Sincerely,

Chiranjeevi

PayPal/Braintree MTS

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[jonjack]

Thanks for responding and the information about what criteria are used to decide if the BNPL options are to be rendered to the user.

My question was largely focussed on how to enable funding options server-side though. My question starts "I am working on a Paypal integration that uses the Paypal server side API to create a purchase transaction."

All the details around the SDK are wasted on my use case since I am not suing it.