Pay in 4
Add Pay in 4 to help increase shopper engagement and merchant sales

Broaden your platform’s capabilities with PayPal’s newest buy now, pay later offering.

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Great for your platform

Increase platform monetization

Enable consumer buying power with interest-free payment options.

Acquire new merchants

Offer merchants another flexible payment option for their shoppers.

Reduce complexity

Deliver a comprehensive solution through a single PayPal integration.

Great for your customers

Shoppers get flexibility and choice

With the option to pay later, shoppers are more likely to purchase.

Merchants get paid up front

PayPal takes care of collecting payments from shoppers.

No additional costs

PayPal pay later offers are included in your existing PayPal rate.1

buy now pay later

Turn shoppers into customers

64%

of consumers say they are more likely to make a purchase with a retailer that offers interest-free payment options.2

42%

of merchants agree that buy now, pay later financing options help reduce shopping cart abandonment.3

85%

of PayPal Credit4 users surveyed are more likely to shop at a retailer that offers interest-free options.2

See it in action

Dynamically display the most relevant offerCustomers select their best optionCustomers get clear payment informationWe do the rest

Dynamically display the most relevant offer

With Pay in 4 and PayPal Credit4, you can help customers buy what they need when they need it. After setup, dynamic messaging will display the most relevant pay later offer to customers.

Customers select their best option

Flexible pay later options help customers make their purchases sooner.

Customers get clear payment information

Customers see their payment schedule. And there are no hidden fees for their purchase or your business.

We do the rest

Once the order is processed, your merchants get paid up front. And we take care of collecting the payments from customers.

See it in action

Dynamically display the most relevant offer

Dynamically display the most relevant offer

With Pay in 4 and PayPal Credit4, you can help customers buy what they need when they need it. After setup, dynamic messaging will display the most relevant pay later offer to customers.

Customers select their best option

Customers select their best option

Flexible pay later options help customers make their purchases sooner.

Customers get clear payment information

Customers get clear payment information

Customers see their payment schedule. And there are no hidden fees for their purchase or your business.

We do the rest

We do the rest

Once the order is processed, your merchants get paid up front. And we take care of collecting the payments from customers.

Contact us

Join the growing number of platforms and marketplaces offering pay later solutions from PayPal. Submit your contact information here.

I have read and accepted the PayPal Privacy Policy. I consent to PayPal contacting me by phone or by email, and to sending me product or industry information relevant to my query. I know I can unsubscribe at any time.

1Standard pricing applies. Find out more about fees here.

2Online study commissioned by PayPal and conducted by Logica Research in May 2020 involving 2000 U.S. consumers, half were PayPal Credit users and half were non-PayPal Credit users May 2020.

3An online study commissioned by PayPal and conducted by Netfluential in August 2020 involving 1000 U.S. PayPal SMB merchants selling products directly to consumers through a website or e-commerce platform.

4PayPal Credit is subject to consumer credit approval.

About Pay in 4: Loans to California residents are made or arranged pursuant to a California Finance Lenders Law License.

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