Instalment payments

Offer the flexibility

of Pay in 3

Help lift sales by offering your customers the flexibility of Pay in 3.1

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Get in touch, 0207 949 3272.
216 %
216 %
cart size increase seen by merchants who use Pay in 3 than standard payments.2
90 %
90 %
of Pay in 3 customers in the UK are repeat buyers.3
18 %
18 %
increase in PayPal sales after 3 months of Pay in 3 messaging and button activation.4

Fewer abandoned carts

39% of PayPal Pay in 3 users have abandoned a purchase because PayPal Pay in 3 was not available at checkout.5

Messaging that connects

Add dynamic messaging that updates as your visitors move from homepage to product page to cart, to let them know they can pay over time with Pay in 3.

Easy for your customers. Easy for you.

Pay in 3 effortlessly completes and complements your checkout stack, giving customers additional flexibility in their purchase experience.

Great for your customers.

And your bottom line.

Compare our Pay Later features
For your business Pay in 3
Payment in full at checkout
Integration Included with PayPal Checkout
Price Included with PayPal Checkout at no additional cost. Explore pricing.
Seller Protection6
Compare our Pay Later features
For your customers Pay in 3
Purchase amount £30 to £2,000
Number of payments 3 payments
Time between payments Initial payment made at the point of purchase with the following two payments made on the same date over the next two months
APR 0%
Repayment method Debit card or confirmed bank account
Buyer Protection6

We’re already on these eCommerce platforms

It’s easy to add Pay in 3 messaging to your checkout.

Connect your store and start selling.

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Pay in 3 delivers results

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Pricing with no surprises

No monthly or setup fees. Only pay when you get paid.

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One platform.

Many ways to get paid.

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Frequently asked questions

Sell smarter. Grow faster.

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PayPal Open

One platform

for all business

Get paid. Get growing. Get ahead.

Do more with the platform designed to power commerce.

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All screen images shown are for illustrative purposes only. Actual experience will be based on account activity.
1
Pay in 3 is an unregulated credit agreement. Availability is subject to merchant status, sector and integration. Pay in 3 use is subject to status and approval and can make credit less accessible or more expensive for the consumer. See product terms for more details.
2
Nielsen, commissioned by PayPal, Nielsen Behavioural Panel of UK with 9K SMB monthly average desktop purchase transactions, from 3K consumers between April 2022-March 2023. Typical checkout includes credit/debit/prepaid cards, digital wallets, BNPL brands and others.
3
Based on PayPal internal data from Jan 2023 to September 2023.(Repeat Users - who have taken out more than 1 loan.) Q3, 2023.
4
Based on PayPal internal data from Q1 2022, results include Pay in 3 (UK)​.
5
Nielsen, commissioned by PayPal, Nielsen Attitudinal Survey of UK (June 2023) with 2,000 recent purchasers (past 4 weeks) from SMB merchants, including 1,000 PayPal transactions & 1,000 non-PayPal transactions. Base N. PayPal BNPL (Pay In 3) users in the last 12 months as of June 2023 = 255.
6
Available on eligible purchases. Limitations apply.
7
Data from BT Shop (rebranded to EE Store 11 July 2023) case study interview with PayPal, June 2023.
8
PayPal data from Q1 2023. These results may not be typical and may vary substantially by business.