PayPal Open

Help drive growth

without the extra BNPL fees.

Offer instalment payments with no extra fees. Simply add Pay Later dynamic messaging from homepage to cart and let customers know early they can Pay in 31.

Contact SalesAdd Pay Later Messaging
Phone number 020 8334 6104

The pricing advantage

No additional cost

While many BNPL providers charge separate fees on top of standard merchant rates, Pay in 3 is included at your standard PayPal rate of 2.99% + £0.30. Simpler pricing. No surprises.

Get paid upfront

You get paid upfront, in full. We manage the entire instalment journey, including repayments and credit risk.

No activation costs

There are no setup fees or monthly subscriptions. You only pay the standard transaction fee when you make a sale.

Using a partner platform?

It’s easy to add Pay in 3 messaging to your checkout. Connect your store and start selling.

See All Partners

Already use PayPal Checkout?

Go to PayPal Messaging Centre to switch on Pay Later and upstream messaging.

Add Pay Later Messaging

New to PayPal?

Simply contact sales to get started with our PayPal Checkout.

Contact Sales
~30M
~30M
PayPal active accounts in the UK.3
129 %
129 %
higher average order value with Pay in 3 compared to standard PayPal.4
77.5 %
77.5 %
Pay in 3 customers in the UK are repeat buyers.5

Make Pay Later visible

where it matters most

Help turn browsers into buyers

Use in-page messaging from homepage to checkout to increase Pay Later sales by up to 35%.

Help build repeat buyers

Pay Later shoppers use Pay in 3 on average of 7x a year, keep them coming back.6

Help drive higher average order values

Make larger orders feel manageable at every step, driving an AOV 129% higher than standard PayPal.

Boost conversion today

Contact Sales
Phone number 020 8334 6104

Get in touch with sales

Tell us a little about your business so we can connect you with the right team.

Ready to talk now? Give us a call.

0207 949 3273

Need help with your existing account?

Visit our Help Center
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
Based on PayPal Internal data of merchants who have added messaging/button between October 2020 and September 2024. (The impact here is the causal impact on PayPal Branded TPV of a merchant for 3 months after adding messaging and/or button on their website. All numbers are statistically significant)
3
PayPal Internal Data - 2025.Please note the actives are PayPal Core + Venmo + Xoom + Credit + Enterprise Payments + Hyperwallet + Zettle + Honey + Paidy as of December 31, 2025.*An active account is an account registered directly with PayPal or a platform access partner that has completed a transaction on our platform, not including gateway-exclusive transactions, within the past 12 months. A platform access partner is a third party whose customers are provided access to PayPal’s platform or services through such third party’s login credentials, including individuals and entities that utilize Hyperwallet’s payout capabilities. A user may register on our platform to access different products and may register more than one account to access a product. Accordingly, a user may have more than one active account.
4
Internal Data Analysis of merchants with Pay in 3 transactions from January – December 2024.
5
Based on internal PayPal data from Jan 1 2024 - Dec 31 2024, where a repeat user is defined as someone who used product more than 1x in 2024.
6
Based on PayPal internal data analysis from Jan 2024- Jan 2025