Users
12MPayPal 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:
Channels:
Initiation:
Markets
5TPV
$3.9BTransactions
29MEstimated Monthly Usage, Aurato Research, October 2026
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
Regulator
Federal Reserve Board of Governors







