Case Study: Ace Hardware achieves 29% sales growth and 7x AOV with PayPal Pay Monthly

How PayPal Pay Monthly is driving ecommerce growth for Ace Hardware

Ace Hardware, a more-than-100-year-old home improvement retailer with over 5,000 mostly independently owned stores, wanted to make big-ticket online purchases—like grills, mowers, and worksite equipment—more accessible for customers without losing its “helpful” neighborhood-store experience. The challenge was offering financing that lets customers buy today and pay over time while boosting online conversion and average order value.

AceHardware.com added PayPal Pay Later (including Pay Monthly 0% APR and Pay in 4), placing Pay Monthly messaging both in checkout and upstream on the site. The result: a 29% year-over-year increase in total PayPal sales in Q4 2024, a 35% rise in Pay Later sales, and Pay Monthly purchases averaging about seven times the typical AOV—driving higher conversion, stronger customer satisfaction, and consideration to make 0% campaigns “always on.”

Ace Hardware

Laura Beleganski

Ecommerce Operations Manager