diff --git a/changelog/cart-pmme-total-updates b/changelog/cart-pmme-total-updates
new file mode 100644
index 00000000000..d1a3379da0f
--- /dev/null
+++ b/changelog/cart-pmme-total-updates
@@ -0,0 +1,5 @@
+Significance: patch
+Type: add
+Comment: Adding skeleton component to BNPL messaging on cart page which has not yet been deployed.
+
+
diff --git a/client/product-details/bnpl-site-messaging/index.js b/client/product-details/bnpl-site-messaging/index.js
index b0ebf24f054..a93981f5ef1 100644
--- a/client/product-details/bnpl-site-messaging/index.js
+++ b/client/product-details/bnpl-site-messaging/index.js
@@ -149,6 +149,58 @@ export const initializeBnplSiteMessaging = async () => {
 			document
 				.getElementById( 'payment-method-message' )
 				.classList.add( 'ready' );
+
+			// On the cart page, get the height of the PMME after it's rendered and store it in a CSS variable. This helps
+			// prevent layout shifts when the PMME is loaded asynchronously upon cart total update.
+			if ( isCart ) {
+				// An element that won't be removed with the cart total update.
+				const cartCollaterals = document.querySelector(
+					'.cart-collaterals'
+				);
+				const wcBnplHeight = getComputedStyle( cartCollaterals )
+					.getPropertyValue( '--wc-bnpl-height' )
+					.trim();
+
+				if ( wcBnplHeight ) {
+					return;
+				}
+
+				const pmme = document.getElementById(
+					'payment-method-message'
+				);
+				const pmmeContainer = document.querySelector(
+					'.cart_totals .__PrivateStripeElement'
+				);
+				setTimeout( () => {
+					const pmmeComputedStyle = window.getComputedStyle( pmme );
+					const pmmeHeight = parseFloat( pmmeComputedStyle.height );
+					const pmmeMarginBottom = parseFloat( bottomMargin );
+					const pmmeTotalHeight = pmmeHeight + pmmeMarginBottom;
+
+					const pmmeContainerComputedStyle = window.getComputedStyle(
+						pmmeContainer
+					);
+					const pmmeContainerHeight = parseFloat(
+						pmmeContainerComputedStyle.height
+					);
+
+					cartCollaterals.style.setProperty(
+						'--wc-bnpl-height',
+						pmmeTotalHeight + 'px'
+					);
+					cartCollaterals.style.setProperty(
+						'--wc-bnpl-container-height',
+						pmmeContainerHeight - 12 + 'px'
+					);
+
+					cartCollaterals.style.setProperty(
+						'--wc-bnpl-loader-margin',
+						pmmeMarginBottom + 2 + 'px'
+					);
+
+					pmme.style.setProperty( '--wc-bnpl-margin-bottom', '-4px' );
+				}, 2000 );
+			}
 		} );
 	}
 
diff --git a/client/product-details/bnpl-site-messaging/style.scss b/client/product-details/bnpl-site-messaging/style.scss
index 6ae65d7555c..243ea0d777d 100644
--- a/client/product-details/bnpl-site-messaging/style.scss
+++ b/client/product-details/bnpl-site-messaging/style.scss
@@ -17,13 +17,37 @@
 }
 
 .cart_totals {
-	&:has( + #payment-method-message.ready ) {
-		margin-bottom: 0;
+	#payment-method-message {
+		margin: -8px 0 4px;
+		height: var( --wc-bnpl-height );
+		padding: 2px 1em 0;
+		margin-bottom: var( --wc-bnpl-margin-bottom );
+
+		&.pmme-updated {
+			margin: -12px 0 0;
+			padding: 0 1em;
+		}
+
+		&.skeleton {
+			margin-bottom: 4px;
+			background: #afafaf;
+		}
 	}
 
-	#payment-method-message.ready {
-		margin-bottom: var( --wc-bnpl-margin-bottom );
-		padding: 0 1em;
+	.pmme-loading {
+		animation: pmme-loading 1s linear infinite alternate;
+		background: #afafaf;
+		height: var( --wc-bnpl-container-height );
+		margin: -4px 1em var( --wc-bnpl-loader-margin ) 1em;
+	}
+}
+
+@keyframes pmme-loading {
+	0% {
+		background-color: hsl( 204, 10%, 90% );
+	}
+	100% {
+		background-color: hsl( 200, 20%, 95% );
 	}
 }
 
diff --git a/client/product-details/index.js b/client/product-details/index.js
index 4ed333ad46d..0591b84e794 100644
--- a/client/product-details/index.js
+++ b/client/product-details/index.js
@@ -126,9 +126,19 @@ jQuery( async function ( $ ) {
 	} );
 
 	$( document.body ).on( 'updated_cart_totals', () => {
+		$( '#payment-method-message' ).before(
+			'<div class="pmme-loading"></div>'
+		);
+		$( '#payment-method-message' ).hide();
 		bnplGetCartTotal().then( ( response ) => {
 			window.wcpayStripeSiteMessaging.cartTotal = response.total;
-			initializeBnplSiteMessaging();
+			initializeBnplSiteMessaging().then( () => {
+				setTimeout( () => {
+					$( '.pmme-loading' ).remove();
+					$( '#payment-method-message' ).show();
+					$( '#payment-method-message' ).addClass( 'pmme-updated' );
+				}, 1000 );
+			} );
 		} );
 	} );