PayPal Credit is a customer credit offering from PayPal – giving your customers access to special financing offers that make it possible to buy big ticket items on your site or mobile app. When shoppers have more time to pay, they are more likely to complete their purchases, spend more, and come back again.
PayPal Credit can be enabled with a few minor changes to your existing PayPal setup. Once enabled, your customers simply select the PayPal Credit option at checkout, enter a few simple pieces of information, accept the terms, and receive a decision in seconds.
While your customers have more time to pay, you get paid 100% up front. There’s no additional cost – you just pay your normal PayPal transaction fee.
If you'd like to have more control and flexibility over the financing options you offer your customers, PayPal also offers Easy Payments in the US, and Instalments in the UK. Both allow you to customize your PayPal Credit financing offers to better suit your customer base.
PayPal Credit is available to merchants selling in the United States and the United Kingdom. If you're selling to US customers, USD is the only currency supported. If you're selling to UK customers, GBP is the only currency supported.
You can add PayPal Credit to an existing PayPal Vault flow or Checkout flow integration with just a few lines of code. See our developer docs for details.
If you accept PayPal Credit on the web, PayPal offers free, ready-made banner ads you can put on your site to let customers know they can finance their purchases with PayPal Credit. Knowing they have more time to pay, customers are more likely to purchase high-ticket items, which can help increase your sales.
You can learn more about the effectiveness of these banner ads on the web and get the code from PayPal's self-service portal. The portal also includes guides for choosing banner ads and recommendations on where to place them.
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