PayPal - Pay Later | CubeCart
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Pay in 4 + PayPal Credit

Give your sales a boost with Pay Later

at no additional cost to your business. Get Started

Pay in 4 example

Give customers more ways to buy

Pay in 4 and PayPal Credit are included in PayPal Checkout, so you can start offering customer financing immediately.

A win for your customers

  • Payment flexibility

    You get paid upfront, while your customers pay later.
  • Interest-free choice

    With Pay in 4, your customers have an interest-free option to buy now and pay later.1
  • Most trusted pay later brand

    Rated most trusted brand across buy now, pay later providers.2
  • Purchasing power

    With the ability to spread payments over time, purchases become more affordable.

A win for your business

  • Increased sales

    Give shoppers more spending power could help boost your average order values.
  • No additional costs

    Pay Later offers are included in your existing PayPal rate.4
  • Easy promotion

    Add dynamic Pay Later messaging to your site with a single integration.
  • NextGen shoppers

    Connect with active millennial and Gen Z PayPal shoppers around the globe.

What Pay Later means for your bottom line

  • 64% more likely to purchase

    Consumers say they are more likely to make a purchase with a retailer that offers interest-free payment options.5

  • 56% increase in avarage order value (AOV)

    Businesses with payover-time messaging on their site saw a 56% increase in overall PayPal AOV.6

  • 400M+ global users

    PayPal connects you with 400M+ active consumer and merchant accounts globally.

Here's how it works

  • 1

    Show dynamic Pay Later messaging on your site

    With Pay in 4 and PayPal Credit, 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 your customers.

  • 2

    Your customer selects their best option

    Flexible Pay Later options help your customers make their purchases today.

  • 3

    Customers get clear payment information

    And there are no application fees for consumers and no additional cost for your business.

  • 4

    PayPal does the rest

    Once the order is processed, you get paid up front. And PayPal takes care of collecting payments fron your customers.

Easy set-up

  • Already have a CubeCart store?

    Just make sure your PayPal Commerce extension is at the latest version. Pay in 4 is enabled by default.

    Get it now
  • Ready to setup a CubeCart store?

    CubeCart is free & open source. You can download and host it yourself or setup a hosted store instantly. Just make sure your PayPal Commerce extension is at the latest version.

    Get it now
1PayPal Credit is subject to consumer credit approval.
2An online study commissioned by PayPal and conducted by Netfluential in November 2020, involving 1,000 US online shoppers ages 18-39.
3About Pay in 4: Loans to California residents are made or arranged pursuant to a California Finance Lenders Law License. PayPal, Inc. is a Georgia Installment Lender Licensee, NMLS # 910457.
4Standard pricing applies. Find out more about fees here.
5Online study commissioned by PayPal and conducted by Logica Research in May 2020 involving 2,000 U.S. consumers, half were PayPal Credit users and half were non-PayPal Credit users.
6Average lift in overall PayPal AOV for merchants with PayPal Credit messaging vs. those without, 2019 PayPal internal data.