---
description: Review of PayPal Pay Later Software: system overview, features, price and cost information. Get free demos and compare to similar programs on Software Advice Ireland.
image: https://gdm-localsites-assets-gfprod.imgix.net/images/software_advice/og_logo-55146305bbe7b450bea05c18e9be9c9a.png
title: PayPal Pay Later | Reviews, Pricing & Demos - SoftwareAdvice IE
---

Breadcrumb: [Home](/) > [Payment Processing Software](/directory/4526/online-payment/software) > [PayPal Pay Later](/software/647914/PayPal-Pay-Later)

# PayPal Pay Later

Canonical: https://www.softwareadvice.ie/software/647914/PayPal-Pay-Later

> PayPal Pay Later is a payment option that allows purchases to be divided into smaller payments over time. It is available for online transactions at merchants that accept PayPal and supports multiple currencies, converting transactions to USD when required.

The service offers two payment structures. Pay in 4 divides eligible purchases into four equal, interest-free installments. Pay Monthly provides fixed monthly payments over three, six, twelve, or twenty-four months, depending on the purchase amount. Pay Monthly includes a fixed annual percentage rate based on creditworthiness and purchase size. Both options allow early repayment without penalties. Pay Monthly also offers a single-use card for in-store purchases, valid for twenty-four hours after loan approval.

Pay in 4 involves a soft credit check that does not affect credit scores, while Pay Monthly requires credit approval. Applicants must be at least eighteen years old. Pay in 4 is not available in Missouri, and Pay Monthly is unavailable in Alaska, Connecticut, Hawaii, and Washington. Availability may vary by merchant and may not apply to certain recurring or subscription-based transactions.
> 
> Verdict: Rated \*\*\*\* by 0 users. Top-rated for **Overall Quality**.

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## About the vendor

- **Company**: PayPal
- **Location**: San Jose, US
- **Founded**: 1998

## Commercial Context

- **Pricing model**: Usage Based (Free version available)
- **Pricing Details**: Pricing per transaction. See website for more details
- **Target Audience**: Self Employed, 2–10, 11–50, 51–200, 201–500, 501–1,000, 1,001–5,000, 5,001–10,000, 10,000+
- **Deployment & Platforms**: Cloud, SaaS, Web-based
- **Supported Languages**: English
- **Available Countries**: Canada, France, Germany, Italy, Spain, United Kingdom, United States

## Features

- API
- Activity Dashboard
- Data Security
- Digital Wallet Payments
- E-commerce Integration
- Mobile Payments
- Online Payments
- PCI Compliance
- Partial Payments
- Payment Fraud Prevention
- Payment Gateway Integration
- Reporting & Statistics
- Reporting/Analytics
- Status Tracking
- eCommerce Integration

## Integrations (2 total)

- Shopify
- WooCommerce

## Support Options

- Email/Help Desk
- FAQs/Forum
- Knowledge Base
- Phone Support
- Chat

## Category

- [Payment Processing Software](https://www.softwareadvice.ie/directory/4526/online-payment/software)

## Alternatives

1. [PayPal](https://www.softwareadvice.ie/software/104664/paypal) — 4.6/5 (26683 reviews)
2. [QuickBooks Online](https://www.softwareadvice.ie/software/393202/quickbooks-online) — 4.3/5 (8544 reviews)
3. [Zoho Books](https://www.softwareadvice.ie/software/392386/zoho-books) — 4.4/5 (681 reviews)
4. [NetSuite](https://www.softwareadvice.ie/software/25483/netsuite-wholesale-distribution-edition) — 4.2/5 (2080 reviews)
5. [Zoho Invoice](https://www.softwareadvice.ie/software/435103/zoho-invoice) — 4.7/5 (823 reviews)

## Links

- [View on SoftwareAdvice](https://www.softwareadvice.ie/software/647914/PayPal-Pay-Later)

## This page is available in the following languages

| Locale | URL |
| de | <https://www.softwareadvice.de/software/647914/PayPal-Pay-Later> |
| en | <https://www.softwareadvice.com/product/647914-PayPal-Pay-Later/> |
| en-AU | <https://www.softwareadvice.com.au/software/647914/PayPal-Pay-Later> |
| en-GB | <https://www.softwareadvice.co.uk/software/647914/PayPal-Pay-Later> |
| en-IE | <https://www.softwareadvice.ie/software/647914/PayPal-Pay-Later> |
| en-NZ | <https://www.softwareadvice.co.nz/software/647914/PayPal-Pay-Later> |
| fr | <https://www.softwareadvice.fr/software/647914/PayPal-Pay-Later> |

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