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Buy what you love now and pay later with PayPal

Pay Later options offer flexibility to break payments up over weeks or months.
PayPal Pay in Four.

Interest-free, bi-weekly payments

Available for qualifying purchases of $30- $1,500.
See terms at PayPal
PayPal Pay Monthly.

Spread payments up to 24 months

Available for qualifying purchases of $199-$10,000.
See terms at PayPal

How it works

No late fees or sign-up fees

Choose the offer that works best for you.

A decision in seconds

If approved, complete the purchase with your Pay Later option.

Pay with the PayPal app or online

Easily manage payments with autopay.

Checkout securely

Trust PayPal to help keep your transaction secure.

What to do at checkout

Step 1: Change your payment method

At checkout, select “Change” to modify your saved Payment method. New customers can skip to Step 3.
Screengrab of the checkout page showing the change hyperlink is after Payment method.
Screengrab of the checkout page showing Payment method with Choose a different way to pay below two existing payment methods.

Step 2: Select “Choose a different way to pay”

Even if you’ve saved PayPal in your payment methods, you still need to choose a different way to pay.

Step 3: Choose a way to pay

Select “Flexible payments.”
Screengrab of the checkout page showing Payment method followed by Choose a way to pay followed by three payment methods.
Screengrab of the checkout page showing Payment method with Flexible payments selected, followed by buttons for Citizens Pay and PayPal Pay Later or Pay Now by PayPal.

Step 4: Select PayPal Pay Later or Pay Now

You’ll be redirected to PayPal to complete your purchase and manage your payments.

Surface deals

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Xbox consoles

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Xbox accessory deals

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Frequently asked questions

  • PayPal Pay Later options enable customers to buy now and pay later. See the “Learn more” links above to explore more about the options.

  • If your purchase at Microsoft Store is not completed, you will not be charged.

  • PayPal purchases show up in the Payments section under Payment Options.

  • Microsoft Store’s refund policy applies to purchases, including purchases made using PayPal. Learn more about returning items you bought from Microsoft Store for exchange or refund. If you need to return your physical product (excluding Surface Hub, HoloLens, and Windows DevKit) after your purchase, and are within the 60-day return policy, you will be refunded just as you would with a regular credit card.

  • Yes, if you request the price adjustment on your physical product within 60 days of your delivery date, and otherwise meet the terms of the Microsoft Store Price Promise, you’re eligible for a price adjustment. You’ll need to contact Microsoft Store Sales and Support with your order number to receive your adjustment.

  • PayPal Pay Later options cannot be used for gift cards or one-time paid or recurring subscriptions at Microsoft Store.

Why buy from Microsoft Store

We offer free shipping, free returns, and cash for eligible used devices, as well as multiple ways to pay. Plus, if we lower our price on a physical product within 60 days from delivery, we’ll honor a one-time price adjustment.​
Learn about these benefits

Extended price protection

Buy now, enjoy price protection through January 31, 2025. If we drop the price of a physical product or you find it lower at an eligible retailer, contact us and we’ll honor a one-time price adjustment. Exclusions apply.​
Learn about price protection

Multiple ways to pay​

Microsoft Store and partners are bringing you new ways to pay at checkout. They’re simple, safer options to get what you want when you want.
Learn about multiple ways to pay

Microsoft Complete Protection Plan

Keep your new device up and running with Microsoft Complete. Get accidental damage protection from drops, spills, and cracked screens. If something goes wrong, you’re covered—simple as that.
Learn More

Free 2-3 day shipping

Get free 2-3 day shipping with no minimum purchase.
Learn more about shipping

  • Discounts: Supplies limited. Actual savings depends on product availability.

    Flexible payments: With approval of Citizens Pay Line of Credit at 0% APR and 12- or 18-month term. Subject to individual credit approval. See the Citizens Pay Line of Credit Agreement for full terms and conditions. Citizens Pay Line of Credit Account offered by Citizens Bank, N.A.​
  • Price Protection: Microsoft Store Price Adjustment: Holiday extended price protection valid on purchases of qualifying physical consumer and commercial products purchased from Microsoft Store online and Microsoft Experience Centers in select markets between 10/15/24 - 12/2/24. Price adjustment may be requested until January 31, 2025. Eligible Retailer Price Adjustment: Holiday extended price protection valid on purchases of qualifying physical consumer products purchased from Microsoft Store Online and Microsoft Experience centers in select markets between 10/15/24 - 12/2/24. Price adjustment may be requested until January 31, 2025. An Eligible Retailer Price Adjustment cannot be requested at time of purchase. Microsoft reserves the right to verify an eligible retailer's advertised price and availability of the product. The product sold by the eligible retailer must be identical to the product sold by Microsoft and must be in stock for purchase at the eligible retailer at the reduced price. Exclusions apply.  Both price adjustments: Customer is eligible only if the product is in stock for purchase at Microsoft Store or a Microsoft Experience Center. Customers must contact Microsoft to request the adjustment. For purchases from Microsoft Store, contact Microsoft Store Sales and Support with your Microsoft Account information and any other information requested by a representative. For purchases from a Microsoft Experience Center, you must return to the location with your receipt. Limit 1 price adjustment total per product. Excludes Surface Hub, HoloLens, and Windows Devkit. See Microsoft Store Price Protection for full terms and list of eligible retailers.
  • Returns: Available with eligible physical products purchased from Microsoft Store online and Microsoft Experience Centers in select markets. Return process must be started before January 31, 2025, or within 60-days after customer receives the product. Limit 5 product returns per eligible customer purchase. Excludes Surface Hub, HoloLens, and Windows DevKit. Applicable return policy applies. For purchases made at Microsoft Store, see applicable Microsoft Terms of Sale for more information. For purchases made at a Microsoft Experience Center, see receipt for more information. Microsoft reserves the right to modify or discontinue offers at any time.​
  • ​Trade-in: Available only through the Microsoft Store online in the United States (including Puerto Rico). Offer valid for reimbursements after trade in of qualifying devices (PC, laptop, mobile phone, tablet, video game console). Recycled devices are not eligible for cash back. To be eligible for trade in, you must own the qualifying device, device must power on, battery must hold charge and not be required to be plugged in to operate, and be in fully functional, working condition without broken/missing components, cracked display/housing, liquid damage, modification(s) or have device warranty seal broken. Device cannot be password protected, and must include original chargers/accessories, and must contain hard drive. Customer must mail in the qualifying trade-in device to be eligible for the reimbursements. All trade-ins are final. Cannot be transferred or otherwise redeemed for cash or gift cards, or credit towards other devices or products. May not be combined with other offers. Microsoft reserves the right to modify or discontinue offers at any time. Other exclusions and limits may apply.​
  • ​Microsoft reserves the right to modify or discontinue offers at any time.
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