1. [Home](https://www.g2.com/) 2. ... 3. [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl) 4. [PayPal Pay Later Discussions](https://www.g2.com/products/paypal-paypal-pay-later/discuss) [ ![PayPal Pay Later](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_40f6d6ff6697b1a6daaa0594d4b1f610/paypal-paypal-pay-later.jpeg "PayPal Pay Later") ](/products/paypal-paypal-pay-later/reviews) # PayPal Pay Later Discussions PayPal Buy Now, Pay Later (BNPL) is an installment payment solution that lets merchants offer their customers the option to split purchases into smaller payments over time - while the merchant is paid, up front, in full, with no additional risk. It's included within PayPal Checkout with no additional integration and gives shoppers flexible ways to pay, including Pay in 4 (interest-free payments), Pay Monthly (longer-term financing), and other financing options varying by market. Built for businesses of every size, from independent retailers to global enterprises, PayPal Pay Later is available to merchants across nine markets - the United States, United Kingdom, Canada, Australia, France, Germany, Italy, Austria and Spain - and is backed by PayPal's global network of 400M+ active consumers with 90M+ global PayPal users highly likely to be approved for Pay Later installment offers (1). Merchants use PayPal Pay Later to help increase conversion and average order value while removing the risk and operational overhead of financing. PayPal handles billing and collections, so the merchant is paid in full at the point of sale without additional risk. Merchants see a 14% lift in sales after adding upstream messaging and a second PayPal button (2). Globally, Pay Later transactions have an 81% higher average order value than standard PayPal transactions3 - rising to 91% for enterprise4 merchants. Additionally, 96% of PayPal Pay Later users are repeat users (5). Key features: - Get paid up front, with no risk. PayPal bills and collects from the customer while you're paid in full, with no additional risk. - Lift average order value and sales with dynamic Pay Later messaging. Show personalized installment offers across home, product, cart, and checkout pages. Merchants adding Pay Later messaging and 2nd button see 14% lift in sales (2). - Reach high-value shoppers. 90M+ PayPal users globally are highly likely to be approved for Pay Later installment offers(1) - Integrate through 40+ e-commerce platforms. Add BNPL through Shopify, WooCommerce, Adobe Commerce (Magento), BigCommerce, Salesforce Commerce Cloud, PrestaShop, Shopware, OpenCart, Viva Wallet, Adyen, and more - no separate setup. - Simple, transparent pricing. No monthly setup or management fees. You only pay when you get paid. - Track everything in one dashboard. All Pay Later sales, average order value, and repeat-buyer data live in your PayPal merchant dashboard. (1) Based on internal PayPal data, March 2025. Global Pay Later offers include Pay in 4 (US, AU), Pay in 3 (UK, IT, ES), and Paiement en 4x (FR). DE is excluded. (2) Based on PayPal Internal data of merchants who added messaging/button between March 2020–September 2025 (Base: N=6,502). Impact is on PayPal Branded TPV for 3 months after adding messaging and Pay Later 2nd button. Data inclusive of Pay Later transactions across 8 markets (US, UK (Pay in 3), AU (Pay in 4), DE, ES, IT, FR (Pay in 4X), CA (Pay in 4)). (3) Internal Data Analysis of merchants with Pay Later transactions from January–December 2024. Data inclusive of Pay Later transactions across 7 markets (US, UK, AU, DE, ES, IT, FR). (4) Internal Data Analysis of Large Enterprise merchants with Pay Later transactions from January–December 2024. Data inclusive of Pay Later transactions across 7 markets (US, UK, AU, DE, ES, IT, FR). (5) Based on PayPal internal data from March 2025–February 2026. Data inclusive of Pay Later transactions across 8 markets (US, UK (Pay in 3), AU (Pay in 4), DE, ES, IT, FR (Pay in 4X), CA (Pay in 4)). Merchant results will vary depending on merchant size, industry, and market conditions. A repeat user is defined as a user who has used Pay Later more than 1x in the last 12 months ![PayPal Pay Later](https://images.g2crowd.com/uploads/product/image/large_detail/large_detail_40f6d6ff6697b1a6daaa0594d4b1f610/paypal-paypal-pay-later.jpeg "PayPal Pay Later") PayPal Pay Later Discussions Most CommentedMost HelpfulCommon QuestionsNewest Showing **1** discussion ![Michael P.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Michael P.") MP Loading... [Michael P.](https://www.g2.com/users/6fbb8e82-b73e-41be-b7aa-187231aca0ee "Michael P.") • about 1 month ago Social Media evalutor at Lionbridge Technologies, Inc. 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On the downside, processing times for sending money to services or businesses can take a long time, and... [ Installment Payment and Buy Now Pay Later (BNPL) Software ](https://www.g2.com/tags/installment-payment-and-buy-now-pay-later-bnpl-software) Show More (Upvote this discussion)\<0\>0\> (Downvote this discussion) 0 (0 Comments) Add a comment [ View discussion ](/discussions/paypal-pay-later-easy-transfers-and-low-fees-but-slow-processing-and-scam-risk) ## Browse by popular topics [Installment Payment and Buy Now Pay Later (BNPL) Software](/products/paypal-paypal-pay-later/discuss?filters%5Btags%5D%5B%5D=installment-payment-and-buy-now-pay-later-bnpl-software)