PayPal Pay Later
Provider 
Founded 1998
Sells To Enterprises
Pricing Model Transactional Commission
Ownership Public
PayPal Pay Later
Service
PayPal Pay Later offers installment payment options for online shoppers and merchants.
PayPal Pay Later offers installment payment options for online shoppers and merchants.
PayPal Pay Later is a buy-now-pay-later service that allows eligible shoppers to split a purchase into installment payments at checkout. It provides an alternative way to fund transactions while keeping the checkout experience within PayPal's payment environment.
For merchants, Pay Later adds financing options inside PayPal checkout flows while maintaining existing PayPal acceptance. The service is positioned as a buyer-facing option within the PayPal wallet experience, supporting ecommerce conversion by offering payment flexibility alongside other tender types.
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| Attribute | PayPal Pay Later | Afterpay | Afterpay Pay Over Time | Authorize.net | Flight Installment Plans | Klarna Pay Later | |
|---|---|---|---|---|---|---|---|
| Provider | | | | | | | |
| Founded | 1998 | 2009 | 2014 | 1958 | 2015 | 2005 | |
| Sells To | Enterprises | Individuals, SMB | — | Enterprises | Consumers | Enterprises, Individuals | |
| Pricing Model | Transactional Commission | Transactional Commission | — | Transactional Commission | Transactional | Transactional Commission | |
| Ownership | Public | Public | — | — | Venture-backed | Public |
Provider
Founded 1998
Sells To Enterprises
Pricing Model Transactional Commission
Ownership Public
Provider
Founded 2009
Sells To Individuals, SMB
Pricing Model Transactional Commission
Ownership Public
Provider
Founded 2014
Sells To —
Pricing Model —
Ownership —
Provider
Founded 1958
Sells To Enterprises
Pricing Model Transactional Commission
Ownership —
Provider
Founded 2015
Sells To Consumers
Pricing Model Transactional
Ownership Venture-backed
Affirm Pay Over Time lets shoppers split purchases into interest-free Pay in 4 payments or monthly plans.
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Zip Pay in 4 lets shoppers split purchases into four installments over six weeks online and in-store.
Klarna Pay in 4 lets shoppers split purchases into four interest-free payments.
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Afterpay for Business lets merchants accept Pay in 4 and monthly installments online, in-store, and in-app.
Embedded B2B buy-now-pay-later financing that lets approved buyers defer payment while merchants are paid upfront.
Affirm for Merchants lets retailers offer flexible pay-over-time options that lift conversion and order values.
Sezzle for Merchants lets retailers offer flexible installment options online and in-store to drive incremental sales.
Business bill-payment financing feature that pays vendors upfront while customers repay over time.
Affirm Pay Over Time lets shoppers split purchases into interest-free Pay in 4 payments or monthly plans.
Sezzle Pay in 4 lets shoppers split purchases into flexible Pay in 4, Pay in 5, or monthly plans.
Zip Pay in 4 lets shoppers split purchases into four installments over six weeks online and in-store.
Klarna Pay in 4 lets shoppers split purchases into four interest-free payments.
Zilch Buy Now Pay Later lets shoppers split purchases, earn rewards, and access early wages.
Afterpay for Business lets merchants accept Pay in 4 and monthly installments online, in-store, and in-app.
Embedded B2B buy-now-pay-later financing that lets approved buyers defer payment while merchants are paid upfront.
Affirm for Merchants lets retailers offer flexible pay-over-time options that lift conversion and order values.
Sezzle for Merchants lets retailers offer flexible installment options online and in-store to drive incremental sales.
Business bill-payment financing feature that pays vendors upfront while customers repay over time.