Hello @BARMY,
Welcome to PayPal's Community Forum! Thank you for thinking of PayPal for your business needs. Here's a great resource to help you get started Receiving money with PayPal. Normally, the available "Pay Later" options depend on the sender's side of the transaction and what they qualify for. If your customer does pay with PayPal Credit or another Pay Later option, you would still receive the full amount as soon as the payment is approved.
Here are a few more Help Center articles you may find useful as a new seller with PayPal as well:
What is PayPal Seller Protection?
What are the fees for PayPal accounts? How do I spot a fake, fraudulent, or phishing PayPal email or website?
I hope those help!
- Jon K
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