Pay it Your Way: Behind PayPal's Philosophy of Flexibility

Consumers today are less one-size-fits-all than ever when it comes to what they buy, where they buy, and how they pay. Offering them lots of options that support financial flexibility and helping them keep spending on track is key.

That’s where we come in. PayPal’s suite of offerings—including the PayPal digital wallet, PayPal Pay in 4 and Honey—are designed to help consumers pay how they want and help keep their finances in order.

Whether you want to pay with a credit or debit card, over time or right away, PayPal can help you do it the way you prefer.

Flexibility in how you pay

Having payment flexibility provides convenience – you can choose more ways to pay. The PayPal digital wallet, for example, gives consumers more choices by bringing together many payment options. Because it’s all in one app, you can worry less about physical payment methods or entering long strings of card information for every online purchase.

We continue to offer more choice and flexibility to consumers, allowing you to pay how you want, when you want, just about wherever you want online. You can set your preferred payment method and PayPal will default you to that every single time. Whether you want to pay for your trip now or later, PayPal helps provide you with ways to do so and manage your budget how you see fit.

Flexibility wherever you pay

Wherever you’re shopping online, you deserve to have your entire wallet with you – even if it’s not physically with you. That includes options that provide freedom of choice and ease, such as credit and debit cards, your PayPal balance, your bank account, and PayPal Pay in 4.

"PayPal gives folks the flexibility to buy goods or services online, anytime, with or without their physical wallet. All of your payment methods are saved electronically and available to you in one place,” said Greg Lisiewski, VP and GM, Global Pay Later Products at PayPal.

About 90% of the top Australian retailers accept PayPal at checkout and using the PayPal app, shoppers can pay with QR codes where available for in-person purchases.

Flexibility in when you pay

Buy now, pay later is a prominent example of flexibility in payment timing. It allows you to say, ‘I don't actually want to pay for this all right now, I want to pay for part of it and the rest later.’ That's giving you a lot of flexibility.

PayPal Pay in 4 allows you to pay later – in four instalments giving you more options to manage your money at a pace that works for you.

Flexibility in how you find deals, earn and use rewards

Budgeting can be tricky, but finding deals, earning and using rewards when you buy can make big purchases easier and help your money go further. It’s one of the simplest ways to help offset costs and keep a budget in check. 

“Our merchants are constantly running offers and deals. We can put those in front of consumers through Honey when they're beneficial,” said Greg. “Let’s say it’s Mother's Day and you decided to see how PayPal can help save a little money to take care of Mom. Honey helps you maximise savings by searching for and automatically applying  $10 off a purchase of $100 with a coupon code and you can also earn Honey Gold to redeem for gift cards from selected stores.”

What this means for you

The bottom line: “We’re making PayPal a rewarding way to pay, and in doing that we’re providing payment flexibility,” said Greg. “We really want to help you find deals and offers that could help you to  save  money and pay later.”

We’re going Behind the Button, exploring how PayPal makes navigating finances simpler and provides many ways to earn rewards – all in a secure digital environment.

Read the first installment here to get an overview of how our Two-Sided Network of merchants and consumers operates on your behalf, and how it’s evolving.

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