Frequently asked questions

We support businesses just like yours

Every business needs a reliable partner. From secure payment processing to helpful business insights, we’re here for you.

Why offering PayPal Pay in 3 can help your business

Helps boost sales

Offering instalment options can help drive conversion and customer loyalty.

Gets you paid up front

Receive complete payment when orders are processed and we’ll take care of billing.

Increases order value

PayPal Pay in 3 AOV is 60%+ higher than other BNPL providers in UK.2

Attracts repeat customers

An average of 90% of Pay in 3 customers in the UK are repeat users.3

PayPal Pay in 3 helps convert and retain customers

216 %
cart size increase seen by merchants who use Pay in 3 than standard payments.4
18 %
lift in PayPal sales after 3 months of having Pay in 3 upstream messaging and Pay in 3 button.5

Enable Pay in 3 messaging to help boost conversion

Automatically promote Pay in 3 on your site at key points of the shopping journey. Customers are more likely to buy if they know they can pay in instalments—so you’re more likely to make a sale.

39 %
of PayPal Pay in 3 users have abandoned a purchase because PayPal Pay in 3 was not available at checkout.6

Included with PayPal Checkout

It’s easy to add Pay in 3 messaging through your ecommerce platform or custom site once you have PayPal Checkout.

Meet customers where they’re at

Pay in 3 messaging will dynamically present based on the product price while customers shop.

Useful business insights

Get reports that show sales and average order value, from instalment payment purchases—available only when you add Pay in 3 messaging.

Automatic updates

Once you enable dynamic messaging, Pay in 3 options are automatically added at checkout when available.

Empower customers with PayPal's Pay in 3 Solution

Shoppers are presented with Pay in 3

We’ll automatically show the Pay in 31 offer at checkout.

They choose Pay in 3

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

We make it easy

Payments can be made automatically. Customers can review plan details online or in the app.

PayPal Pay in 3 is already available on these ecommerce platforms

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 Protection7
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 2 payments made on the same date over the next 2 months.
APR 0%
Repayment method​ Debit card or confirmed bank account​
Buyer Protection8

Steps to get Pay in 3

1. Sign up

It all starts with a PayPal Business account. If you already have a Personal account, it's easy to upgrade or create a new Business account.

2. Set up PayPal Checkout

Connect your PayPal account to your ecommerce platform or code your custom PayPal Checkout. If you already have PayPal Checkout, make sure you’ve upgraded to the latest version.

3. Enable dynamic messaging

To show Pay in 3 promotional offers to shoppers while they browse your site, enable Pay in 3 messaging.