Introducing Pay in 4 from PayPal: Here’s What Devs Need to Know

Harrison Ownbey
Nov 4 · 3 min read
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As someone on the developer team who writes documentation for PayPal, I had a front row seat to the design process of PayPal’s new pay later documentation.

I’m especially excited for the opportunities PayPal’s new pay later offerings could open for businesses: growing their sales, attracting new customers, and driving customer loyalty. But before I get ahead of myself, I should explain pay later.

PayPal pay later options include Pay in 4 and PayPal Credit. Pay in 4 is a new payment offering that enables customers to pay for their purchases in four interest-free payments.

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PayPal Credit* offers special financing. Both pay later options are included in the latest PayPal Checkout integration. Customers get the flexibility to pay for their purchases over time while businesses get paid up front at no extra cost.

Integrate with the PayPal JavaScript SDK

To show pay later options at checkout, make sure you integrate with the PayPal JavaScript SDK. If you’re using a legacy integration, we’ve got you covered with documentation to upgrade to the latest JavaScript SDK.

Picture of a yellow pay later button next to a yellow PayPal button
Picture of a yellow pay later button next to a yellow PayPal button

The SDK will show a pay later button if:

  • You’re a US-based seller with a US-facing website

Add pay later messaging

Integrate the messages component of the PayPal JavaScript SDK to add pay later messages across your site. One of my favorite features of pay later messaging — it dynamically displays messaging for the most relevant pay later offer based on what the customer is shopping for. This can help grow online sales and average order values.

Example of pay later messaging on product pages
Example of pay later messaging on product pages

If you built your site yourself

If you built your site yourself, you can integrate pay later messaging by adding the PayPal JavaScript SDK to your web page and determining where to render the messages. Here’s the documentation. PayPal recommends lightweight, contextual messaging placed near a product’s price. To maximize sales, put messaging in product and checkout pages.

If you’re using a commerce platform

If you’re using a commerce platform, you can turn on pay later messaging on your site — no integration needed. You can use our documentation to enable pay later messaging on these platforms:

Tell us what you think

We’d love if you told us what you think of our documentation. Select the Feedback tab on PayPal Developer and hit us with your best shot.

To get started with pay later offers and pay later messaging, or contact sales, check out https://www.paypal.com/us/business/buy-now-pay-later.

*PayPal Credit is subject to consumer credit approval.

PayPal Engineering

The PayPal Engineering Blog

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