# PayPal Credit

## Overview

PayPal Credit is an open end (revolving), reusable line of credit that when approved, will automatically be added to the shopper’s PayPal account.

With PayPal Credit, the shopper can enjoy the flexibility to pay overtime for everyday purchases. PayPal Credit can be used just about anywhere PayPal is accepted online. PayPal Credit is subject to credit approval and is issued by Synchrony Bank.

### How to apply for PayPal Credit

When a shopper applies for PayPal Credit, they’ll be asked to provide the date of birth, net income after taxes, the last 4 digits of the Social Security number and agree to the Terms and Conditions. The shopper will be provided any required disclosures in electronic form. The shopper will know within seconds if they are approved. If approved, the PayPal Credit payment instrument will automatically appear in the PayPal account where the shopper can start to use it right away.

PayPal Credit is subject to credit approval and is offered by Synchrony Bank.

## Availability

PayPal Credit is currently available for US residents who are of legal age in their state of residence.

Supported currencies: USD

Supporting recurring payments: Yes

## Benefits

* Increased conversion rates - buy now, pay later (BNPL) options like PayPal Credit reduce friction at checkout by allowing customers to defer payments.
* Higher average order value (AOV) - Customers using PayPal Credit often spend more per transaction, boosting AOV.
* Immediate payment to vendors as they are paid upfront and in full by PayPal, while PayPal handles customer financing and collections. No additional risk or delay in funds settlement for the merchant.

## Activate PayPal Credit

Steps to activate PayPal Credit in Control Panel:

1. Navigate to *Dashboard*.
2. Go to *Setup*.
3. Click on **Ordering options**.
4. Click on **Payment methods**.
5. Activate PP Credit from the list.

## Shopper flow

1. The shopper initiates an online purchase.
2. Once the products for purchase are selected, the 2Checkout checkout page will be displayed.
3. The shopper selects PayPal Credit as a payment method and continues the checkout process.<br>

   <div data-with-frame="true"><figure><img src="/files/cRSZA0NWozhTNd9bXQOp" alt=""><figcaption></figcaption></figure></div>
4. On the confirmation page, the shopper clicks on the **PayPal Credit** button.<br>

   <div data-with-frame="true"><figure><img src="/files/AnihJuVlDXkJC7VJisCt" alt=""><figcaption></figcaption></figure></div>
5. The shopper logs into it’s PayPal account.<br>

   <div data-with-frame="true"><figure><img src="/files/5U4M8cmcFdMXkqlMmOiH" alt=""><figcaption></figcaption></figure></div>
6. Shopper selects PayPal Credit as the payment option.<br>

   <div data-with-frame="true"><figure><img src="/files/GpefJyd0rkgOJdfAkGOq" alt="" width="485"><figcaption></figcaption></figure></div>

   * If the shopper has not yet applied for PayPal Credit, they will follow an application process.
   * If the shopper has already applied for PayPal Credit, they place the order by clicking the **Continue to Review Order** button.
7. Once all steps are completed, the *Finish* page is displayed, as the order is confirmed.<br>

   <div data-with-frame="true"><figure><img src="/files/xAILWv33OVRAbfM90e6I" alt=""><figcaption></figcaption></figure></div>

<div data-with-frame="true"><img src="/files/3ae3ad8870fde2cbeb4ebaa5083d2d56d8f15d43" alt=""></div>

### PayPal credit through API

If PayPal Credit is available to your shoppers, you must also provide them with information on how they can apply for a credit line and the terms applicable. 2Checkout offers an endpoint that allows you to retrieve the latest version of this information in a web-ready format: <https://secure.2checkout.com/paypal-credit.php>

#### Request parameters

<table><thead><tr><th width="164.00006103515625">Parameter</th><th>Type / Description</th></tr></thead><tbody><tr><td><code>merchantCode</code></td><td><p><strong>Required (string)</strong></p><p>Merchant unique identifier number.</p></td></tr><tr><td><code>totalAmount</code></td><td><p><strong>Required (float)</strong></p><p>The amount of all products that the shopper has added to the cart. It’s displayed in USD.</p></td></tr><tr><td><code>country</code></td><td><p><strong>Required (string)</strong></p><p>Billing country of the shopper.</p></td></tr></tbody></table>

#### Request sample

```php
<?php

$url = "https://secure.2checkout.com/paypal-credit.php?merchantCode=MERCHANT_CODE&totalAmount=100&country=US";
$ch = curl_init();
curl_setopt($ch, CURLOPT_URL, $url);
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_FOLLOWLOCATION, true);
$response = curl_exec($ch);
if (curl_errno($ch)) {
    echo "cURL Error: " . curl_error($ch);
} else {
    echo "Response:\n" . $response;
}
curl_close($ch);

?>
```

#### Response parameters

<table><thead><tr><th width="293">Message</th><th>Type / Description</th></tr></thead><tbody><tr><td>HTML content</td><td><p><strong>Success - HTML content</strong></p><p>Web-ready response which should be displayed to the shopper.</p></td></tr><tr><td>Invalid seller</td><td><p><strong>Error - Text</strong></p><p>Merchant Code is incorrect</p></td></tr><tr><td>PayPal credit terminal is not active</td><td><p><strong>Error - Text</strong></p><p>Your account does not support paypal credit or it is not enabled. Check the <a href="#activate-paypal-credit">Activate Paypal Credit</a> section.</p></td></tr><tr><td>Missing parameter</td><td><p><strong>Error - Text</strong></p><p>Check the mentioned parameter is present in the request.</p></td></tr></tbody></table>


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```
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