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PayPal Buy Now Pay Later Services

It’s a thrill to shop online and add items to your basket. Your customers are similarly excited to buy from you, but higher basket values can sometimes lead to more buyer hesitation. There comes a need to give your customers more flexibility in how they pay and manage their payments. Especially over the festive season where we all want to go the extra mile for our loved ones. 

That’s why a new PayPal* checkout is now available for you to add to your account, offering smoother, more seamless payments and flexible payment options. Switching to this more advanced checkout is easy. You simply need to activate it in your Create Account

What’s more, by upgrading to our Business package, you can add Buy Now Pay Later buttons to your checkout, along with Paypal’s messaging across your store to highlight flexible payment options and show what your customer's monthly repayments could be.

PLEASE NOTE: PayPal Pay in 3* is only available in the UK -  Pay Later services will adjust depending on your customer's region.


Why Customers Love Buy Now Pay Later

There’s no consequence to your customers choosing to balance their payments over time with PayPal's flexible payment options. The service is free to use with no interest on their monthly repayments, and there’s an immediate decision on whether your customer is applicable for credit. It’s an easy way for your customers to spread the cost and plan ahead with their budgets when shopping across your store. 

The service works by breaking down the price of a product or basket into three equal amounts spread across three months (depending on your customer's region). Your customer can see the full breakdown before they make their decision and pay. They can also rest easy knowing they’re under PayPal’s Buyer Protection as well.

Why Merchants Love Buy Now Pay Later

Paypal’s Buy Now Pay Later services aren’t just great for your customers. When you accept a flexible payment, PayPal will charge their fee at your usual rate for the full amount the customer will pay. There are no additional costs to you.

Having a pay later option on your checkout as part of our Business package can be a huge bolster to the success of your online store and help you to increase your revenue. You don’t need to wait around or chase up your customers for payments either as PayPal will pay you the full amount and take responsibility for payments on their end. 

PayPal is one of the most reputable and reliable payment gateways available. Utilising such a well-recognised brand at the checkout is crucial in helping to build trust and make a sale. This new update to the PayPal checkout gives you and your customers more freedom with your payments. 


On-Site Messaging

Newly available on our Business package are a range of automatic on-site messaging that you can easily turn on and off to communicate Paypal’s Pay Later options.

PayPal has found that displaying Buy Now Pay Later messaging on your product pages and basket could deliver up to 15% incremental sales and drive higher-value purchases* and so we’re pleased to provide an easy way for you to make it clear to your customers that flexible payment options are available.

The messaging can appear in three clear places on your website - on your category pages, product pages and within the checkout and each automatically links to Paypal’s guidance in case your customer wants to find out more.

It’s straightforward to turn on the messaging at the press of a button and you can choose which sections you want to show the messaging on so that it is customised to your needs. 

In the checkout, you’ll find Pay Later buttons displayed to make it a clear option for your customer and the Buy Now Pay Later messaging calculates and displays how much the monthly payments will be based on their current basket value.

With many customers looking for flexible payment options when purchasing online, this messaging can help you to increase your basket value and encourage more people to checkout. 


Get Started

Start making the most of all PayPal’s functionality and help your customers purchase in a way that suits them this Christmas. Ready to get started and add PayPal Buy Now Pay Later to your checkout? The set-up is simple and should only take a few minutes to activate in your account. 

Activate PayPal Buy Now Pay Later >>


Special thanks to for taking part in this feature and showcasing the PayPal Buy Now Pay Later messages on their beautiful website!

*Online study commissioned by PayPal and conducted by Logica Research in November 2018 involving 2,000 consumers, half were PayPal financing users and half were non-PayPal financing users.

*PayPal Pay in 3 is a trading name of PayPal UK Ltd. Whittaker House, Whittaker Avenue, Richmond-Upon-Thames, Surrey, United Kingdom, TW9 1EH

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