Synchrony and PayPal Bring Special Financing to Entire Mastercard Network

Synchrony and PayPal now offer PayPal Credit Card cardholders special financing everywhere Mastercard is accepted.

This special financing is now available both in online checkout and in stores across the Mastercard network. It offers six months special financing on purchases of $149 or more, with pay over time at millions of merchants and with everything managed in the PayPal app, PayPal said in a Monday (Aug. 10) post on LinkedIn.

Whit Goodrich, senior vice president and general manager, PayPal and Venmo at Synchrony, shared PayPal’s post in a Monday post and said: “As more customers look for flexible ways to pay, Synchrony has continued to expand where special financing can be used with the PayPal Credit Card. It’s another step toward making financing more seamless across all the places people shop, with everything managed in the PayPal app.”

According to a page to which PayPal linked in its post, the special financing on the PayPal Credit Card is available everywhere PayPal or Mastercard is accepted, has no impact on the cardholder’s credit score if declined, and is meant to be a “go-to for everyday purchases,” not an intro promotion.

Synchrony announced in June 2025 that PayPal introduced a new physical card, issued by Synchrony, that enables PayPal Credit to be used both online when checking out with PayPal and in-store and everywhere Mastercard is accepted.

Synchrony said at the time that PayPal Credit had become a favorite way to pay online, and that the physical card was designed to extend this financing option for in-store use.

Synchrony executives said during a January earnings call that Pay Later has become a central part of the company’s multiproduct strategy. The offering is now available at more than 6,200 merchants, and management said on the call that when Pay Later and revolving credit are presented together, partners see at least a 10% average increase in sales. They added that Pay Later customers are incremental rather than substitutive, without cannibalization of private-label and co-brand cards.

Even though Pay Later tends to start with single purchases, repeat behavior had begun to surface, executives said during the call.