Give your sales a boost with Pay Later.
There’s no additional cost to your business.
Offer customers more ways to buy.
PayPal Pay Later is included in PayPal Checkout on X-Cart at no additional cost to you. Once enabled, Pay in 4 and Pay Monthly* dynamic messaging can help increase your conversions1, boost average order values (AOV)2, and encourage customers to buy more3 — and buy again.4 It’s easy to activate in just a few clicks.
Pay in 4
4 interest-free payments over 6 weeks on purchases up to $1,500.
Pay Monthly
6, 12, or 24 monthly installments on purchases up to $10,000.
Pay Later is good for business.
Help increase sales.
Give customers more spending power and help boost your average order values.
Get paid up front.
And let customers spread their payments over time.
Attract NextGen customers.
Millennials and Generation Z consumers plan to use BNPL more than other age groups.6
#1 trusted brand.
Rated most trusted brand across buy now, pay later providers.5
No additional costs
Pay Later is already included with your PayPal Checkout at no additional cost.
Easy promotion
Add dynamic Pay Later messaging to your site with a single integration.
What Pay Later means for your bottom line
63% more likely to purchase
Almost two-thirds of buy now, pay later (BNPL) users say they are more likely to complete a purchase if a BNPL option is available.7
39% increase in
cart sizes.
PayPal Pay Later is boosting merchant’s conversion rates and increasing cart sizes.2
84% look for it before checkout.
The majority of buy now, pay later (BNPL) users decide to use a BNPL solution prior to checkout.8
What customers will see.
Pay in 4
Pay Monthly
Show dynamic Pay Later messaging on your site.
Once enabled, dynamic messaging will display the most relevant Pay Later offer — either Pay in 4 or Pay Monthly — to your customers while they’re shopping.
Your customer sees the most relevant Pay Later option.
Customers choose between Pay in 4 or Pay Monthly at checkout.
Customers get clear payment information.
Pay in 4 or Pay Monthly payments are clearly presented.
PayPal does the rest.
Once the order is processed, you get paid up front. And PayPal takes care of collecting payments from your customers.
What customers will see.
Pay in 1
Pay Monthly
Pay in 1
Pay Monthly
Show dynamic Pay Later messaging on your site.
Your customer sees the most relevant Pay Later option.
Customers get clear payment information.
PayPal does the rest.
It’s easy to enable Pay Later in just a few clicks.
Already have a X-Cart account?
Log into your account to activate Pay Later and dynamic messaging.
Need help?Ready to set up a new X-Cart store?
Sign up for a new X-Cart store and set up PayPal Checkout to start accepting and promoting Pay Later offers.
Sign Up* About Pay in 4: Loans to California residents are made or arranged pursuant to a California Financing Law License. PayPal, Inc. is a Georgia Installment Lender Licensee, NMLS #910457. Rhode Island Small Loan Lender Licensee.
Pay Monthly is subject to consumer credit approval. 9.99-29.99% APR based on the customer’s creditworthiness. PayPal, Inc.: RI Loan Broker Licensee. The lender for Pay Monthly is WebBank.
1 62% of BNPL users say that seeing a buy now, pay later message while shopping encouraged them to complete a purchase. TRC online survey commissioned by PayPal in April 2021 involving 5,000 consumers ages 18+ across US, UK, DE, FR, AU (among BNPL users, US (n=282), UK (n=303), DE (n=342), AU (n=447), FR (n=255)).
2 PayPal’s Buy Now, Pay Later is boosting merchant’s conversion rates and increasing cart sizes by 39%. PayPal Q2 Earnings-2021.
3 80% of BNPL users agree that seeing a BNPL message while browsing gives them the ability to spend more. An online study commissioned by PayPal and conducted by Netfluential in November 2020, involving 1,000 US online shoppers ages 18-39. (Among BNPL Users, n= 357).
4 74% of BNPL users are more likely to shop at a merchant again if they offer a buy now, pay later option. TRC online survey commissioned by PayPal in April 2021 involving 1000 US consumers ages 18+ (among BNPL users, n=282).
5 PayPal is the most trusted brand across BNPL payment providers. An online study commissioned by PayPal and conducted by Netfluential in November 2020, involving 1,000 US online shoppers ages 18-39.
6 “The Truth About BNPL And Store Cards Report,” an online study commissioned by PayPal and conducted by PYMNTS, based on a census- balanced survey of 2,161 U.S. consumers from Dec. 10 to Dec. 17, 2021.
7 TRC online survey commissioned by PayPal in April 2021 involving 5,000 consumers ages 18+ across US, UK, DE, FR, AU (among BNPL users, US (n=282), UK (n=303), DE (n=342), AU (n=447), FR (n=255).
8 84% of BNPL users decide to use a buy now pay later solution prior to checkout. An online study commissioned by PayPal and conducted by Netfluential in November 2020, involving 1,000 US online shoppers ages 18-39. (Among BNPL users, n=357).
