Hello @donlee101,
The Pay Later settings in the plugin configuration only refer to the Pay Later advertisement banners, which can be placed on the product page, the cart, or the checkout.
https://developer.paypal.com/docs/business/pay-later/gb/
According to the PayPal docs, if you offer PayPal Credit Instalments, you can’t offer Pay in 3.
Have you tried connecting a sandbox merchant account to see if the banners are loaded then? If PayPal enabled PayPal Credit features on your account, then Pay Later features may not be available for you. It would be best to verify if it works with a sandbox account.
The Pay actual Later/PayPal Credit buttons are currently only available for US merchants.
But our next plugin update will expand the availability of the buttons to many more regions, including the UK, so stay tuned.
We aim to release the update before the end of the month, but no promises.
Kind regards,
Niklas