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PayPal Pay in 3 - A seamless, flexible buy now, pay later solution

Al Brookbanks

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UK, US and FR merchants using PayPal Commerce are now able to offer their customers PayPal - Pay in 3.

What is Pay in 3?

PayPal Pay in 3 is an installment product that allows merchants to give shoppers increased buying power and flexibility to spread the cost of their purchase over time. Pay in 3 lets shoppers split their purchases into three interest free payments. The first instalment payment is charged at the time of the purchase. The subsequent payments are charged monthly on the same day from the customer's PayPal account via their debit card until the instalment purchase is paid off.

How do I enable Pay in 3?

Pay in 3 is already enabled but messaging has been added since 1.4 of the PayPal Commerce integration. We recommend all merchants upgrade to this version. 

How can Pay in 3 help my business goals?

  • Increasing your conversion rates and revenues
    - Enabled purchased that would not have taken place if there was no instalment solution and/or increases the average order value.
  • Decrease cost of customer retention and acquisition
    - Pay Later is included in PayPal checkout ay no additional cost.
    - PayPal bears consumer risk while you get paid at the time of the transaction.
    - Seller protection.
  • Increasing customer loyalty and lifetime value
    - Customers more likely to make purchases from you with Pay Later as their purchase cost can be spread out.
    - No hidden fees.

Are there any fees associated with PayPal Pai in 3?

There are no fees for choosing to pay with PayPal Pay in 3, however if consumers are late with a payment they will be charged a late fee.


Please contact PayPal Customer services or take a look at the FAQ.


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