Guiding Principles: PayPal’s Pay Later Solutions

Customers are the priority

Our customers are at the heart of everything we do. We work to build long-term customer relationships and improve customer trust through our products and services.

Responsible innovation and growth

As a global payments leader with 11+ years of leadership in the buy now, pay later space, we have developed proprietary data and models that enable us to offer transparent installment options to consumers. These pay over time options are transparent while driving responsible payment innovation and growth.

Transparency from start to finish

Our priority is providing transparency throughout the process, from application to repayment, in every aspect of servicing and customer support. This way, consumers have all the information they need to make informed payment choices.

Caring for consumers’ financial wellbeing

Our deep understanding of our customers’ transaction history helps facilitate informed decisions on loan approval. We use data from a variety of sources, including information provided in the application, credit bureaus, and proprietary data such as spending history. We offer flexible ways to pay, from short-term, interest-free options to longer-term, predictable monthly payments with convenient auto-payments and no late fees. And customers can choose flexible payment solutions to pay off their loans in advance, without any prepayment fees or penalties.

Confidence and protection

We help you to protect your customers and enable them to shop with confidence. Customers see their payment schedule up front, and they are not charged any application or late fees. All transactions using Pay Later offers are backed by the PayPal security that consumers and businesses know and trust, and we cover qualifying transactions with PayPal Purchase Protection for added peace of mind.

Learn more about PayPal's Pay Later solutions.