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Traditionally, consumers like to be given the opportunity to make purchases with payments. In today’s world, with the number of people who are facing financial challenges and uncertain futures, it is even more critical.
Here today to talk about Buy Now, Pay Later is Greg Lisiewski, VP and GM of Global Pay Later Products at PayPal. We chat about the industry, the benefits to consumers and merchants and the newest addition to the family at PayPal, Pay in 4. If you build sites, this is another weapon in your arsenal as you educate your clients and suggest solutions to meet their needs.
A Chat with Greg
In episode 77, Brad and I talk with Greg about:
- The history of Buy Now, Pay Later and how it is growing in today’s economy.
- The options that PayPal offers for their Pay Later Products and what those mean to merchants and consumers.
- How Pay in 4 touches the lower-ticket purchase and what makes it a great option for Woo builders, merchants, consumers, and stores of all sizes.
- How buy now, pay later is accelerating spending and conversions.
- The benefits of no additional fees or risk for merchants.
- How PayPal hit on the sweet spot of 4 payments and the repayment schedule.
- How to use it with WooCommerce to take advantage of a payment option that is already there and easy to set up with their PayPal Checkout extension.
Connect with Greg
- Greg on LinkedIn
- Email Greg at gregl [at] paypal.com
Buy Now, Pay Later options from PayPal
- Download the extension on the WooCommerce.com marketplace to offer buy now, pay later options
- Learn more about buy now, pay later options at PayPal
Bob: Hey everyone. Welcome back. We're here with Do the Woo. I'm BobWP, episode 77. I'm joined by my esteemed cohost, Mr. Brad Williams. How are you doing, Brad?
Brad: Doing great. How are you doing, Bob?
Bob: I'm doing good. And I'm wondering, are you missing summer yet? That's a question I always have for you.
Brad: I mean, fall is my favorite season by far, so I'm loving life right now. It's nice, getting some cool weather, the leaves are coming down, watching Halloween movies every night. I already dug into the Halloween candy, which was a big mistake. I'm enjoying it. It's a great time of year. What about you, Bob?
Bob: The fall is one of my favorites too, but I also really like all seasons. And I'm guessing that I'll probably ask you again in the winter if you miss summer and probably hear something a little bit different there.
Brad: I'll have a different answer when snow starts dropping.
Bob: I'm sure you will, Brad, knowing you. Well, let's go ahead and move into the show here.
We have a very special guest and I'm excited to get into that. But before we do, I'd like to thank our sponsors. WooCommerce.com. I would recommend that if you are a developer to check out their developer resource portal. There's a lot of information. A little bit ago, they revamped that and they're really building that out, so take advantage of it over on WooCommerce.com.
And we have PayPal. PayPal is our newer community sponsor. Looking forward to having them as a partner over the next few months, and been talking a bit about the buy now, pay later options they have, in particular the Pay in 4, and as much as I'd like to share that information with you right now, I think it'd be even better if I moved into introducing our guest, because he will be able to even give you more insights into that.
We have Greg Lisiewski from PayPal. Really excited to hear what he has to say. How are you doing today, Greg?
Greg: Doing really good. Thanks. Great to be here.
Bob: Well, Greg, you have quite a background. You're upper management in PayPal in the buy now, pay later space. Could you tell us a little bit about what you do and a bit about your background?
Greg: Yeah, sure thing. I manage our Pay Later products for PayPal, so the VP and GM of global Pay Later products. My background, as you alluded to, I've spent a lot of time in the intersection of technology product and credit and have been focused on this buy now pay later space for the better part of 15 years, starting with Bill Me Later back in 2005, 2006, which was eventually acquired by PayPal. Here we are all these years later, continuing to reinvent and push our products and value prop forward to help merchants and consumers.
Bob: What I'd like to know is before we get into the specifics of what PayPal is doing in this space is in this industry, it's an interesting time right now, especially with the history of buy now, pay later, and I'm sure you could make a lot of comparisons, but what I'd like to do is have you give us in a nutshell what you see this industry is doing at large right now as far as around growth and how people are acclimating to this idea of buy now, pay later.
The history of Buy Now, Pay Later and What it means to eCommerce today
Greg: Yeah. There's been quite an acceleration of the adoption of buy now pay later, pay later products, particularly online over the last couple of years. And really driving that has been the rise of better solutions from a technology perspective and the intersection of that with platforms like Woo that allows solutions to get out to far more merchants than previous products were able to. Typically, it was limited to bigger retailers. Banks were the primary provider of loans.
It really was Bill Me Later 15 years ago that pioneered this online point of sale finance, alternative finance, you know as now referred to FinTech, buy now pay later category that went dormant for a while coming out of 2008 and the last cycle we had until the last few years.
There's been consumer shifts happening for a couple of years and in the pandemic over the past six months now has just driven even a broader and more massive acceleration between the shift online, as well as the fact that consumers are looking to spread a dollar and anything that gives them an ability to spread out or manage their cashflow in a more prudent way is well-timed.
The options of Buy Now, Pay Later
Brad: Yeah, I mean, it kind of makes sense when you think about it with everything that's going on, like you said, in the last six months and how just financially, I think a lot of things have changed for people and how they're spending their money and making sure that they're maybe being a little more thoughtful about it. The idea of spreading out payments I think has always been a very interesting thing for consumers, especially larger purchases. It makes it more doable, I guess, in a sense, right? And that's really where financing came back whenever it was invented in the first place.
In terms of PayPal. I wonder if you can break down the different options here, because I'm familiar with the idea of the buy now pay later through PayPal to an extent. When I started doing some research for this show, I actually learned some things that didn't realize you were doing over there. I thought just for the listeners, anyone not familiar with what PayPal is offering and what the different terms, I've seen buy now pay later and the Bill Me Later and PayPal Credit. Are these all the same options? Are these different options within the overall PayPal platform for builders or even merchants? What is available through PayPal that they can offer their customers?
Greg: Yeah, Brad, great question. We've long been in the buy now pay later space, but historically we've had one flagship product, which started out as Bill Me Later, and then as part of the acquisition and some branding changes became PayPal Credit, but the core offering of that product has always been six months no interest on purchases over $99, which is a fairly low order value, but it's really been aimed at more medium sized purchases, three, four or $500 and up, and that's been available for a long time for both sides of our network.
Merchants have been able to promote that on their website earlier in the shopping journey, help convert browsers to buyers, drive up order values, et cetera, and then consumers, whether a merchant's promoting it or not, can have that as a funding option in their PayPal wallet and use it essentially virtually anywhere PayPal is accepted.
You were talking about seasons, so I'm in the Mid-Atlantic here, so if I'm looking to get a snowblower for the season, I can buy it online and use PayPal credit and pay for it after winter is over, or if I'm planning a trip in the early part of the year, I can purchase my airline tickets ... maybe not a great example in the pandemic, but purchase my spring break tickets January, February, and then time out my payment when I actually use it.
Pay in 4 is he low ticket purchase anchor
However, as we've looked at the space and consumer behavior shifting, we thought it would make sense to bring additional value props to market. We want to create essentially a suite of buy now pay later solutions. PayPal Credit is the six month offer as an anchor, but for lower ticket purchases, the Pay in 4 product is the one we're rolling out now. And you alluded to it earlier. The history of financing has tended to be around larger ticket purchases.
But one of the shifts we're seeing in consumer behaviors is the desire to budget out even smaller purchases, $100 purchase or $150 purchase. Now if you want to pick up $100 pair of sneakers or a $100 accessory for the thousand dollar grill, giving consumers a choice where they can make four payments of $25 all automated, very lightweight, light touch, frictionless process. That's our newest offering and helping consumers payment choice, we think we can help merchants sell more.
Payment options bundled with PayPal
And that's where merchants through platforms like Woo or developers who build solutions on behalf of merchants can work with our, with our SDKs and whatnot to allow merchants to deploy these offerings, this dynamic messaging, when someone's looking at a purchase or a product rather, and say, "Hey, it's $100, or you can pay for it in four payments of $25." If it's a $500 purchase, it will dynamically change the message and say, "Hey, take six months of no interest for that purchase." And these are really proven tools to help convert sales. And in our case, it's bundled with your PayPal offering, so no incremental costs, no incremental risk, no new backend processing, et cetera. It's just a matter of deploying messaging where it helps convert sales.
Brad: Yeah. And that's what really stood out to me because I think my assumption before I started doing all the research is that there would be a cost for something like this, because it is an awesome deal, right? Being able to offer financing through my store, if I'm a small business or any sized business, but specifically a small business, I think my assumption would be that, "Well, this is a very cool offering, but surely there's a catch, right?
As the merchant, I must have to pay into this. There must be some kind of a transactional fee or interest that I'm paying or I might have to be maybe at a certain tier or something," but it sounds like there are no additional costs and it's available to anyone that is running PayPal payments through their store. Is that right?
The merchant pays no extra costs
Greg: Yeah, that's exactly right. As we accelerated our efforts this year in light of the pandemic, we really want to think about how we can help merchants in a time of uncertainty, and many are fighting to survive, help them any way we could. And given that we're a payment processing business as our core business, your ability to bring an offer like pay I four, it's not our main profit driver, right?
In helping merchants sell more goods, we get more processing volume and that's how we make our money and we don't have to price it a premium for a financing product where standalone solution providers typically do have to price quite a premium to normal processing rates because they're all getting a fraction of the sales and it's a different monetization schema for them. And we're pleased to be able to offer it as part of your PayPal bundle.
Brad: Yeah. I was just looking at the screenshots on the website. It couldn't be more clear, right, when you're selecting that option. Just seeing that option on the product screen or the checkout process I think is really enticing for someone that's maybe on the fence of whether they're comfortable spending that $100 right now or not and that's clearly the thing that could push them over the edge to make that conversion and to purchase that product.
But I love how it just kind of lays out your example of $100 and it just shows you're going to pay $25 today and another $25 on a specific date. For the consumer, the customer it's crystal clear exactly what they're getting into by doing this. And I think just the idea of keeping it to four payments also helps keep it really simple, right? It's not trying to do some algorithm based on the purchase, a number of months and days or whatever. It's just four payments. Divide by four and here you go.
Greg: Yeah, it's straightforward. It's all automated. You don't have to worry about coming back and making the payment. That said, we'll make sure you know that when we're going to pull a payment from a credit or debit card of yours, we'll send a text notification. We really tried to blend the ability to drive conversion for merchants with something that consumers could really understand and take advantage of without having to put a lot of thought into it after the fact. And to the earlier part of the conversation for those bigger ticket purchases or for people who want to do multiple spends, we do have PayPal Credit available as well.
Thanks to our sponsor PayPal. In time for the holiday season PayPal has launched a new pay later option called Pay in 4. This mean that your clients can offer their customers the option to purchase over time in 4 interest-free payment. This feature is one of two option from PayPal for pay later with the other being PayPal Credit which gives store customers more purchasing power through flexible and transparent choices in how and when they pay. This second option is subject to consumer credit approval.
So offering those payment options is good business. Did you know that 64% of consumers surveyed say they are more likely to make a purchase at a retailer that offers interest-free payment options. And 56% of consumers that responded agree that they prefer to pay a purchase back in installments rather than use a credit card.
Well, this seems like a no-brainer to me. Clients can grow their sales and get paid up front with no additional risk or cost.
All you need to do is download the PayPal Checkout extension on the Marketplace at WooCommerce.com. Just head on over, click marketplace and search for the PayPal Checkout. Suggesting that to your clients will certainly open up sales opportunities for them.
Thanks for PayPal for being a community sponsor at Do the Woo. And now back the conversation.
What made the number of 4 payments such a sweet spot
Bob: Yeah. I was curious, that sweet spot of four, because I think there are people that, especially we don't know what's going to happen a few months from now and to get tied into a long-term credit payback. Is that part of the strategy behind it and how you came up with that, number four is some people do want to still have that opportunity to spread it out, but they don't want to be stuck into payments for a long, long time. And of course, no interest is a bonus to that, but was there research done to get to the number 4?
Greg: We do lots of research. We have multiple markets. We have other markets outside of the US where we run similar products. And when we talked to consumers, interestingly enough, four ... I think Brad was mentioning it ... it's pretty easy math for folks to do. It lines up with the traditional, not the always, but the traditional payment schedules in the US in terms of biweekly pay. Some regions have monthly pay. And in our case, it's four payments every two weeks. Other markets, we're looking at every 30 days, because they get paid on a monthly basis.
And outside of that, we didn't want to overthink it. We wanted just to keep it simple, clean, and as Brad was alluding to, something someone could look out six or eight weeks and know there was a finite period that they were going to be done with paying back that purchase they made, whether it was a want or a need, at any given moment.
Making it easier for the consumer to buy and spend more
Brad: Yeah. It was mentioned on the site as well, you see basically these websites that have messaging around pay over time are seeing an actual increase in the average order value, which isn't something that I really thought of but when you hear that, it makes perfect sense, right? When you realize, hey, I could maybe splurge a little bit, maybe add that extra thing in my cart that I didn't think I'd be able to, because now I have the option to spread those payments out, which work for me, like you said, on that biweekly schedules against payday so that I can get that extra thing that I wanted to get maybe my kid for Christmas or whatever it might be.
I think that's really interesting for any store owner to really understand that and to dig into that is offering this type of messaging and this type of service can actually just increase the overall cart size and the order, which is ... I mean, that's a huge win, increase that cart size.
Greg: Yeah, Brad, I agree. And when you step back and think about it, which most of us don't because we're not living in payments and immersing ourselves in payments all day, but it's everywhere we are, especially in a normal environment, right? If you just pay attention on a Saturday driving around or walking into various stores, you'll see that there's financing in all sorts of categories, sporting goods, hardware, furniture, stereo, et cetera. And it's been a tactic for retailers for decades to help convert sales because consumers like flexibility in payment and they like to borrow other people's money to make those purchases.
Online, it sort of has the same effect, but I think any retailer is comfortable with the idea of putting a messaging persistent on a product page, which every pixel is sacred. Just took a while to gain traction because you hadn't really proved out the incrementality. But I think that box has been checked. And now it's really a sort of trusted way of driving conversion, because it does give customers an opportunity to close a sale today that they may have waited a month for or your example, they'll add something extra to the cart that they were going to come back for.
And that's what we're trying to do. And we're trying to do it responsibly. We're really conscious of making sure we're extending credit, even in these sort of smaller micro amounts to folks who can afford it. And we feel good about our capabilities given our long history in this space.
Bob: It makes a lot of sense just because when you're buying something, whether it could be a TV, a computer, whatever, having that fact of, "Oh, now I can break this into four payments and maybe I should throw in that little option. Maybe I should get some speakers for my TV now that I'm doing it, because this is going to be a little easier to handle." So yeah, that's good stuff.
Brad: I was just going to point to these type of conversations and these types of features, especially really for ... and we talked pre-show how this conversation is really going to tread both sides of the house, right, from the implementers, the developers, but also the store owners. Just having this knowledge of these things you can implement, services you're probably already using, I mean, every store we launched already has credit cards and PayPal. That's just a requirement, right, because so many people want the option and it's just the standard and what you do.
Knowing that PayPal has some of these additional features available to you and how that can help with conversions, with cart size growth, these are things that a lot of the eCommerce sites out there, they're not run by massive corporations that have teams that can really ... You talked about how important those pixels are. A small business, they're lucky enough to be able to sell a product online and actually ship it out and make that whole process work, because this is all new to them for many of them, or it's just a side revenue to get some product out the door.
But as implementers, having this information and bringing it to your clients and bringing it to your shop owners and saying, "Hey, you should turn this on. This is going to help grow sales and this is the benefit of it, and you're already using PayPal, so this is why you should do it," you're just going to be that much more of the expert and honestly the superhero in their eyes, because if you can implement some very simple things, flip a few switches and you make more money for them, why would they ever want to work with anybody else, right? They're only going to want to work with you.
It's like the abandoned cart stuff, right? Abandoned cart has a clear path of how it works. It converts. It brings people back that had otherwise walked away. And there's a lot of services that you can implement very quickly and easily that can convert those people. And to bring that to the table for your customers is huge in my opinion and it really solidifies you as the expert and that's why they hired you. It's good to have this knowledge. It's good and understand the different services that are available, especially from platforms like PayPal that you're already working with. It's good to research and really dig into this. This is fascinating.
A payment option already there
Greg: Yeah, Brad, I think it's a really excellent point. And that's what's so great about platforms like Woo is you simplify getting from idea to launch greatly. In this case, it takes a merchant who, to your point, is just trying to get the basics right. And given that it's on a platform they're already working with with a payment option they're already turned on, it really becomes a couple more settings in your admin console and suddenly the merchant has as sophisticated and merchandising machine as a top 100 e-tailer might have, as it relates to buy now pay later capabilities, without taking on any additional costs. It's not suddenly that a fraction of their transactions are now going to cost one, two, three percent more. It's already tied in with what they were already paying from a payment processing perspective.
And given PayPal's reach, I think the stat we use now is two thirds of US adults have made a purchase with PayPal in the last three months, so we have a wide customer base already out there looking for the PayPal mark. We appreciate your perspective there.
Benefits all sizes of stores
Bob: Yeah. And I was going to say that it seems like a small ... Somebody, let's say they have five or 10 products and they're thinking, "Well, this is cool. This really opens up other options for my customers." On the other end of the spectrum, somebody that has hundreds of products may ... whether you're a merchant yourself or somebody building a site for somebody, you might say, "Well, does this really make sense for the larger business?" But as you said, it sounds like it really is a win-win situation, whether you're smaller or larger or all sized businesses.
Greg: Yeah, Bob, it is, because consumers are all the same, right? Whether they're shopping at a small merchant or a large merchant, a medium merchant, they're all looking at a purchase decision in the context of how will that impact my cashflow, now more than ever in these unusual times we're living through in 2020.
And one of the things we're also excited about at PayPal is there are a handful of providers of similar solutions and it's sort of fragmented across the merchant landscape and given the ubiquitous sort of coverage of PayPal, we certainly want to promote the capability to merchants that merchants turn it on for the shopping journey so that customers are seeing it while they're making their consideration of buying something or adding something additional to the cart, but we'll also be doing a large consumer push as it will be a feature of the PayPal wallet as well.
So we'll start to build the expectation with consumers that if a merchant doesn't get to the point of messaging Pay in 4 on a product page, that as long as PayPal is on that site, it'll still be there for a customer to take advantage of and we'll help create customer pull through even just by having the PayPal mark and remove the uncertainty that might exist in a consumer's mind of, "Well, if I'm shopping at merchant A today, which offer will I see, and if I flip over to merchant B, will I see a different offer?" Because they're doing relationships with different vendors. In our case, we think we'll become the e-commerce standard for pay later solutions given our wide coverage on the merchant side.
Brad: Yeah. I mean, what'd you say, two thirds of adults are paying with PayPal?
Greg: In the last three months. That's right, yep.
Brad: In the last three months. That's an amazing number. But I get it. The beautiful thing about PayPal is it's easy. Whenever I'm clicking a random ad on Facebook, laying in bed and buying something I probably shouldn't be buying, PayPal is easy. One click, I'm logging in and boom, order placed.
Greg: Yeah. You're not tracking a wallet down in the dark or waking anybody up, right? Yeah.
Brad: Ease of use is always ... especially from the mobile perspective, that's the biggest thing for me is I can't tell you how many times I've wanted to maybe buy something on mobile and the experience was so bad I just stopped and I never went back, but the idea of if it is a good experience from the shopping experience, but then you go into checkout and it's PayPal, then you know the payment's going to be easy too, because you just log in and away you go. It makes it very easy from a mobile device, which I love.
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Trust me. I know the company and a lot of the people. It's a smart move.
Thanks to WooCommerce.com and their support as a community sponsor. Now let's head back to the show.
PayPal removes the risk for merchants
I do have one last question, and I guess this is on the what could go wrong side of the house, but obviously there's credit in play here, right? Basically if somebody buys something, the example we had, $100 on my site, they spend the $25 today, if I'm understanding it correctly, me as the seller, I get paid in full, is that right? And then PayPal is essentially in charge of collecting those additional payments? What happens if somebody doesn't pay? Does that come back to the merchant or PayPal assume that responsibility? What happens in that case?
Greg: Yeah, that's a great question. From a retailer perspective, it looks like every other dollar spent on PayPal. You get paid upfront, all the normal processing, and PayPal does own and takes the risk on collectability. And there's no further exposure that the merchant has once the is complete outside of normal fulfilling goods and whatnot, but from a credit risk perspective, that's all on PayPal.
And one of our advantages relative to others is with 350 million active consumers plus or minus globally, and having done point of sale lending for the better part of 15 years now, we have lots of data and algorithms and whatnot to make good decisions.
And that's how we'll manage the business on our side and are able to bring it to merchants as part of that bundle pricing they offer PayPal without that premium, while having fairly high ... I hate to use the word approval rates because it's not quite a traditional loan, but essentially, there is a point in the process where it is technically a loan, So we do run some evaluation of risk. Given our history and our data, we have pretty high throughput, I guess is the way to say it.
Brad: That's great. I mean, I think, and again, another reason why it's kind of a no brainer for stores to consider and ultimately offer this because they're not taking on that risk, which I think would probably be one of the first questions a store owner would ask, like, "Well, what if they don't pay?"
Greg: Yeah, that's right.
Brad: To hear that it doesn't come back to them, and there aren't additional costs, like you said, I mean, then I don't see any reason why a store wouldn't want to implement this.
Greg: Yeah. It's no risk, no cost. And given the Woo platform and the way PayPal and Woo are integrated together, very little work as well. I mean, saying it out loud does make it sound like one of those, "What's the catch?" And yeah, I'm happy to say that the catch is simply we've been doing it a long time and engineered a product and a solution that just works without a lot of calories on any front on the merchant side.
Easy to use with WooCommerce
Bob: From the perspective of everything we've talked about and getting down to the technical clarification, just for everybody knows, they may be sitting there thinking, "Okay, I know when I hook up PayPal to a Woo site, it's pretty straightforward. We do it. Bam, bam, bam, put in few things." As far as this goes, no more bells and whistles, no more having to do a bunch of extra things. They just use the existing extension that's on WooCommerce and that takes care of it, right?
Greg: Yeah. That's exactly right. Woo and PayPal have done the work to connect the platforms and now if you are managing your site or you're managing a site on behalf of the other merchant, you can go into the Woo console and activate the buy now pay later offerings from PayPal and it'll show up on product pages and the like to help start driving those incremental sales. Simple as that.
Bob: We like it easy.
Greg: And still time for holiday season. We're in October, so I think that's holiday season now.
Brad: Yeah, I mean, it's coming in hot and heavy.
Greg: Hard to believe.
Brad: Next thing we know, it'll be Black Friday. Now's the time. I mean, now's the time to make sure your store's in shape if you haven't already been getting ready for it, which I would imagine most store owners are because this is a tradition as the businesses that when we get knocked over in certainly November for online purchasing. Plus I'm sure just overall, clearly online purchasing is up across the board in the past six months given everything going on.
Bob: Yeah. And I imagine what better than to get a great Black Friday deal than be able to do it in four payments. I mean, no interest. It definitely adds some sweetness to the pot.
Well, Greg, is there anything we haven't really touched on? I just wanted to make sure there isn't something else you wanted to add to the mix here before we close out the show.
Greg: Not really. I mean, it's clear you guys did your research. I appreciate the thoughtfulness of the questions and I'll just emphasize the last couple of points we were making, which is PayPal and Woo have really partnered up to make this as simple as it possibly could be and it's live now. I think if you're so inclined, it's a great time to go and activate the offering. And really, it would be a competitive parody with others who have implemented more complicated solutions without paying any incremental costs. I appreciate the time and look forward to more.
Bob: Yeah. Cool. All right, Brad. Well, why don't you do the official Brad closing out of the episode?
Brad: Yeah, this was great. I really appreciate the time Greg.
Again, we want to thank our sponsors. Head over to WooCommerce.com. It's the platform we're always talking about. Also check out DoTheWoo.io and the job listings there. Click on jobs at the top. And of course DoTheWoo.io is the new home of the podcast. And it looks like we've got three different job openings for WooCommerce, at WooCommerce. So if you're interested in working on the actual platform or working with the platform, go check it out, DoTheWoo.io and then click on jobs at the top.
And of course we want to thank PayPal our new sponsor. I appreciate you coming on, Greg, and telling us everything about buy now, pay later, Pay in 4, PayPal Credit, a lot of good options. And I've learned some things, which I always love about this show when I can take a few interesting nuggets away. It seems to be a pretty obvious feature that most people probably want to implement. I'm sure everyone's already using PayPal so why not flip it on and give your customers some options?
Greg, if people want to find out more information, where should they head? Just head over to paypal.com? Is there a specific section of the site we want to point them to?
Greg: Yeah, they can go to paypal.com and look for a pay later section. It'll have links out to ways to activate it, including a quick link over to WooCommerce if you're on a Woo platform.
Brad: Awesome. Definitely check that out. Of course, yeah, WooCommerce.com has a lot of resources as well. Anything I missed there, Bob?
Bob: No. I think you are set. Any place that you want people to reach out to you directly, LinkedIn or anything, Greg, where they can find you?
Connect with Greg and learn more about Pay in 4
Greg: Anyone's welcome to reach out to me on LinkedIn, or I'll even throw my email address out there, firstname.lastname@example.org if anyone wants to talk buy now pay later. And just to make sure I didn't completely botch where to go on paypal.com, the simple way to find the solution is simply paypal.com/paylater will bring you right to the section that talks about our solutions.
Brad: Awesome. Well, with that, Bob, anything coming up, any special announcements, events you want to mention before we wrap up?
Bob: No, I can't think of any. I think we have the holidays, which is in everybody's mind about as special as it can get. They're going to creep up on us real fast here, so no, I think that'll do it for now.
Brad: All right. Well, for another episode of Do the Woo, thank you, Greg, and thanks everyone for joining us and we will see you next time.
Greg: Thanks guys.
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