Prerequisites:
- Your PayPal’s email address must be confirmed.
- You must have a PayPal verified Business account.
- You have a one-time payment integration. Reference Transaction and Recurring Payment integrations aren't eligible for Pay Later offers.
PayPal offers short-term, interest-free payments, longer-term, monthly installments, and other special financing options that buyers can use to buy now and pay later, while merchants get paid up-front.
Pay Later button is included with PayPal Checkout and appears to eligible buyers depending on their country by default.
| Country |
Pay Later Offers |
| US |
Pay in 4, which eligible US buyers can use to pay for purchases of $30 to $1500 in four, interest-free payments.
Pay Monthly, a longer-term installment offer available to eligible US buyers for purchases of $199 to $10,000, with terms of 6, 12, or 24 monthly payments |
| UK |
Pay in 3, which eligible UK buyers can use to pay for purchases of £30.00 to £2,000 in three, interest-free payments.
PayPal Credit has two promotional offers, 0% for 4 months on purchases over £99 and merchant-specific Instalment offers.
|
| FR |
Pay in 4X, which eligible FR buyers can use to pay for purchases of €30.00 to €2,000 in four, interest-free payments. |
| AU |
Pay in 4, which eligible AU buyers can use to pay for purchases of $30 to $1500 in four, interest-free payments. |
| DE |
PayPal Ratenzahlung, which eligible DE buyers can use to pay for purchases of €99 to €5,000 in 3, 6, 12, or 24 monthly installments.
PayPal Pay in 30, which eligible DE buyers can use to make purchases up to €1,000 and pay for it after 30 days without additional costs.
|
| IT |
PayPal Pay in 3 instalments, which eligible IT buyers can use to pay for purchases of €30 to €2,000 in three interest-free payments. |
| ES |
PayPal Pay in 3 instalments, which eligible ES buyers can use to pay for purchases of €30 to €2,000 in three interest-free payments. |
However, you can customize how Pay Later shows up on your checkout page using PayPal JavaScript SDK. To include the Pay Later button, render it within a one-time payment integration by specifying enable-funding = paylater.
By default, funding source eligibility is determined based on various factors. Enabling funding ensures that the Pay Later is rendered on your checkout page, if eligible.
Example:
<script src="https://www.paypal.com/sdk/js?client-id=YOUR_CLIENT_ID&enable-funding=paylater"></script >
For more information and eligibility criteria, please refer to the 'Pay Later' documentation available here.
