PayPal Pay Later

pmt_paypal_pay_later

PayPal Pay Later adds credit and instalment options to eligible PayPal purchases, with products such as Pay in 4 differing by market. A customer selects a repayment plan at checkout, while the ordinary PayPal wallet remains the payment interface rather than the credit product itself.

Use cases:
Initiation:
Users
12M
Markets
5
TPV
$3.9B
Transactions
29M

Estimated Monthly Usage, Aurato Research, October 2026

Historical trends

Capabilities

Initiation & Authentication
Funding & Requirements
Processing & Settlement
Transaction Management
Refunds & Disputes
Additional native capabilities

Markets

Estimated Monthly Usage, Aurato Research, October 2026

PSPs

Schemes

Compliance

Standards