Frequently asked questions

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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

Turn browsers
into buyers

Show personalised messaging for Pay Later offers while your customers browse, shop and check out. They get a flexible way to pay – you increase your sales.

Add PayLater Messaging
129 %
129 %
higher AOV than standard PayPal AOV when PayPal Pay in 3 was used.6
6.9 %
up to
6.9 %
lift in sales for businesses using Pay Later messaging.7
14.3 %
up to
14.3 %
lift in sales for businesses using Pay Later button and messaging.8

Messaging that connects

Add dynamic messaging on your homepage and category pages to let visitors know they can enjoy now and pay over time.

Messaging that connects

Give customers browsing your product pages flexible finance options. Dynamic messaging will automatically show the relevant Pay Later offer.

Messaging that connects

At checkout, remind your customers they have flexible payment options.

Close the sale with Pay Later offers tailored to your shoppers.

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.

Offer

Shoppers get

Pay in 3 offer

Your customers get a Pay in 3 option while browsing their favorite products.

Pay

They choose to buy now and Pay in 3

Customers make the first payment straight away and pay the remaining balance in two monthly, interest-free payments. You'll get paid in full upfront.

Manage

We collect the payments

You get paid up front. Your customers can track their progress. And you can get back to your business.

Track

You track the results

View reports with sales, average order value, and customer info from Pay in 3 purchases.

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 Protection9
Compare our Pay Later features
For your customers Pay in 3
Purchase amount £20 to £3,000​
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 Protection9

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.

Browse Solution Providers

Pay in 3 delivers results

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Pricing with no surprises

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

More About Fees

One platform.

Many ways to get paid.

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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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Add Pay Later Messaging, or get in touch, 0207 949 3272.
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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. Terms apply.
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
Internal Data Analysis of merchants with Pay in 3 transactions from January – December 2024.
7
After 3 months when adding Pay Later upstream messaging. Based on an internal data analysis of merchants (SMB + LE) with PayPal Pay Later messaging from Oct 2020 through Sep 2024.
8
After 3 months when adding Pay Later upstream messaging. Based on an internal data analysis of merchants (SMB + LE) with PayPal Pay Later messaging and button from Oct 2020 through Sep 2024.
9
Available on eligible purchases. Limitations apply.
10
Data from BT Shop (rebranded to EE Store 11 July 2023) case study interview with PayPal, June 2023.
11
PayPal data from Q1 2023. These results may not be typical and may vary substantially by business.