Hey There - Thanks for Trying out Payable. Sometimes there is some confusion around how the PayPal "Pay Later" button works. So let me clear that up.
When you connect PayPal to act as your payment provider, this enables your users to pay a range of options automatically and can vary depending where you are around the world. Your users can pay by credit card direct, they can with a PayPal Account using the PayPal Button, and PayPal also offers a built in financing product like Affirm or Klarna called "Pay Later". If a user selects this option, they are presented with a simple application, and if approved they can split their payments into 4 for free. That said you as the seller, still receive 100% of your money like usual up front and instantly. So although it is "Pay Later" to the customer, to you it just looks and behaves like any other transaction. Most of customers find this a convenient and completely optional button which appears by default.
I am sad about this 2 star review because, I believe I explained this to you in our chat last week, and even applied a manual override to disable the Pay Later button on your checkout. Which is always an option if needed.