in3 Reviews 23,451

TrustScore 5 out of 5

4.8

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the service for its convenience, ease of use, and the flexibility it offers by allowing payments in three interest-free installments. Many appreciate the clear communication, timely notifications, and the straightforward payment process, which helps them manage their finances responsibly and acquire desired products without upfront financial strain. However, some customers noted issues with the payment process, specifically that installments are not automatically deducted and require manual payment, which can lead to confusion or missed payments. A few people also felt that the company's policy regarding payment delays was inflexible, and some experienced difficulties with identity verification, particularly those without Dutch documents.

What people talk about most

Payment

People report positive experiences with payment, finding it a convenient and stress-free option for managing... See more

User experience

Reviewers highlight positive aspects of user experience, consistently praising its ease of use, reliability,... See more

Service

Reviewers mention positive feedback about service. Customers consistently praise the service for being... See more

Product

Customers express great satisfaction with the ability to purchase products using installment plans. Many... See more

Price

Clients share positive opinions on price, particularly appreciating the option to pay in parts without extra... See more

Based on these reviews

Rated 5 out of 5 stars

As their name suggests they offer payment in 3 parts to buy some 3rd party product and dont ask for interest. This can be very convenient sometimes, and they communicate with clear messages when the n... See more

Rated 5 out of 5 stars

The service works without any problems. I've been using it for about a year now and there's never been a problem. Notifications for individual payments come on time, processing takes a matter of minut... See more

Rated 5 out of 5 stars

in3 has been extremely helpful for me. The payment process is simple, transparent, and easy to manage. Splitting payments into three parts without extra costs makes purchases much more flexible and st... See more

Rated 5 out of 5 stars

I couldn’t be happier with my experience using in3. The process was incredibly smooth, transparent, and stress-free from start to finish. I love how easy it was to spread out payments without an... See more

Rated 5 out of 5 stars

I had a great experience with iDEAL in3. The process was quick, clear, and everything worked perfectly. I really like how easy it is to split payments into three parts without any hidden costs. It mak... See more

Rated 5 out of 5 stars

Lay buy of the future. I am no fan of buy now and pay later, but this was an interesting concept and I think it will help customers and vendors alike. Easy process, good communication and easy for... See more

Rated 5 out of 5 stars

In general a very nice service. Split the payment into three parts. One thing would make it better, please write that you need to manually pay for the installments. I was sure that it would automatica... See more

Rated 5 out of 5 stars

I loved it, it's a shame there aren't many websites that use this payment system, it would make certain purchases much easier, thank you

Rated 5 out of 5 stars

Very happy with this payments option, comes very helpfull when buyng something and then pay the price in 3 without any fees, especially when its a must, bedankt ideal in 3

Rated 5 out of 5 stars

The app is very easy to set up and use afterwards. It sends you notifications when needed and immediately updates your payments. An overall practical tool when you prefer to buy something with install... See more

Rated 5 out of 5 stars

Good to have the option to manage cash flow. The payments are not deducted automatically though. That was what I thought would happen so I ended up delaying mine as I thought they already took the mon... See more

Rated 5 out of 5 stars

perfect setup and solution, very convenient to be able to pay in rates if you doesn't have that big bucks in your budget - thanks for this service

Rated 5 out of 5 stars

This is a good opportunity of having stress free installments for something you want to buy. The instructions are clear, there are reminders. Overall a good, easy-to-use payment option.

Rated 5 out of 5 stars

Use case is good, in deed excellent to pay in 3. In terms of ux, several messages during the process and some of them not clear on messaging. If i will pay in 3 why the messages ask me to pay sooner... See more

Rated 5 out of 5 stars

A very nice option for purchasing in installments, it's a pity that there aren't, for example, 6 installments. I'm glad

Rated 2 out of 5 stars

I am not so happy with the way how in3 handle payments, policy related to delays, immediately blocking your balance! There is no elasticity when a possible small delay occurs. You are immediately bo... See more

Company replied

Rated 5 out of 5 stars

I had been going through a difficult financial season and iDEAL in3 really helped me get the household appliances I needed without compromising on quality and allowing me a little financial relief. I’... See more

Rated 5 out of 5 stars

Honestly I never knew this is possible, until I used it and I was able to get a new bicycle for my daughter . Im so happy for help from IN3 making it possible.

Rated 5 out of 5 stars

quick payment, very helpfull for not paying in onces the full price and having divided in 3 without fee, Nice, thank you

Rated 5 out of 5 stars

This payment method is very convenient. We bought a washing machine and dryer. We will definitely use in3 again.

Rated 1 out of 5 stars

I used In3 Betalen for the first time about a month ago. After returning the product, I was told that my refund would be issued. However, the process took far longer than expected. I was asked to... See more

Company replied

Rated 4 out of 5 stars

I just have problem to load to page few days. Normally I’m paying on time but because of this issue I was late 2 days. But I can highly recommend payin3 👌

Rated 5 out of 5 stars

Works like a credit card, easy to use and make payments at any time. Works like a credit card as well, if the owner does not make the payments in time; or not at all. That's when the fees add u... See more

Rated 5 out of 5 stars

To be honest iam very happy because i neede that help when was purchasing my bike and payment plan is very smooth appreciate and will use it again in the future

Rated 5 out of 5 stars

Great! I was able to buy my favorite TV in three installments through the in3 service. This is my first experience and everything was fantastic.

Rated 5 out of 5 stars

Really good service and a good payment option if you do not have patience to wait for buying a more expensive things. Congratulation and highly recommended.

Rated 5 out of 5 stars

Very satisfied with this kind of option that we are able to choose from. Thanks payin3. There be should more companies to avail this kind of service. Keep up the good work.

Rated 1 out of 5 stars

Another racist company in The Nederland. The new request for identification is only for Dutch documents. Very disappointed, after so many purchases paid with in3.

Company replied

Rated 5 out of 5 stars

I am so happy about this company. And the process of paying was absolutely good. I will advice people to buy and have a look at this company. Thank you for all and I am still enjoying my bike that I b... See more

Rated 5 out of 5 stars

In3 is the only service that allow me to take payments in installments. Ive been trying with Spraypay but not they did not approved me. I trust IN3 and its the best service. Its been 4 months im usi... See more

Rated 5 out of 5 stars

I could pay in 3 installments which is good that I don't need to have all the money at once. This way I could have my bought products earlier. If Idealin3 didn't exist I would have to save money first... See more

Rated 5 out of 5 stars

No issues with the service. It is great to have to ability to split a payment instead of having to pay a large sum upfront.

Rated 5 out of 5 stars

Everything was perfect. Timing as pland, bike was in 4 big pices to Montagne. Payment secure and informable by e-mail.

Rated 5 out of 5 stars

I'm really grateful with it, it is nolonger hard for me to get or buy anything i want for my home and myself.. the day I discovered it, it made my dreams come true 👍.

Rated 5 out of 5 stars

I'm very thankful for this option. It helps a lot, especially when you feel tight with your payments.

Rated 5 out of 5 stars

I highly recommend this company, thanks to the installment form in3 you can buy your favorite product:)

Rated 1 out of 5 stars

Another illegal company in The Nederland. in3 implemented a new system of verification for the customers, unfortunately it's only for the Dutch documents available. That's called discrimination, I've... See more

Company replied

Rated 5 out of 5 stars

Always handy. Using this service for many years. Always helpful to manage your budgets.

Rated 5 out of 5 stars

Paying in parts can be really helpfull at any ways , no extras costs and very simple procedure.

Rated 5 out of 5 stars

In3 is perfect, you never feel stressed about the payments and the reminders are gentle!

Rated 5 out of 5 stars

Great communication and very easy to set up an account. A smooth and straightforward experience from start to finish.”

Rated 5 out of 5 stars

Its easy to set, possibility to spread the costs, it send you a reminder, 0% rente…

Rated 5 out of 5 stars

No fees, and I paid it off as soon as it arrived. Gave me a little bit of enjoyment now at a reasonable rate.

Rated 5 out of 5 stars

Love it. I use it everytime I need something quite expensive and I can not afford to spend the entire sum at once.

Rated 5 out of 5 stars

I would not bike a bike without splitting the payment. So thank you for that possibility. It was easy and without any problems.

Rated 1 out of 5 stars

On going two payment but suddenly they asked for verification my identity, I have Dutch residency permit but they doesn’t accept residency permit for identity, ,very bad experience

Company replied

Rated 1 out of 5 stars

they say you don't pay rent but that is a lie In answer to @ideal 3 I paid 1,5% betaalkosten for a camera on Fotosiemens

Company replied

Rated 2 out of 5 stars

SMS reminders would be better - the automatic payment didn't gow when I expected - and almost missed making the third manual payment (the first two payment went through fine - so assumed the third wou... See more

Company replied


Company details

  1. Money transfer service
  2. Alternative Financial Services
  3. Non-bank financial service

About in3

Written by the company

About in3

Pay all your online purchases in three interest-free instalments with in3! The only social responsible instalment payment solution you'll ever want to use. No hidden costs! You'll never miss a payment with our friendly reminders. Pay your terms with your favourite online payment method.

Check our website: www.payin3.eu

Rated as excellent by our users. (4,8)

Make your dreams come true!

Pay in three terms

Without negative registration or interest

Check out how it works

Good things come in3

We believe in responsible spending for purchases that matter. Whether you are buying that new washing machine or the new bed you have been thinking about, a worse alternative should never be the option. in3 is here to help.




Contact info

4.8

Excellent

TrustScore 5 out of 5

23K reviews

5-star
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Rated 1 out of 5 stars

very bad in3

very bad in3, because you keep on receiving emails telling you that you have to pay your second payment, and they send you a reminder that they will even lock your account if you don't pay the second payment, but actually the second payment is paid, and the screenshot that they're actually showing on the email that you received shows the second payment paid, with a line that is cutting it off. So it's completely contradictory and ridiculous. But additionally, they send other warning message emails telling you that the third payment, this time, actually has expired, so you have to pay. But the payment was actually extended by 15 days, and the expiration date has not reached yet. But then you see the date on a snippet that this automatic email shows, and it shows the correct day of expiring for the payment. And basically it's already telling you the truth that the payment, the third payment has not expired yet. Ridiculous. I called support two times and with completely super superficiality. They say, oh yes, we know some people have complained, but you know, you can ignore it. Do you think this is a response?

22 March 2026
in3 logo

Reply from in3

Dear Davide,

Thank you for your review and for taking the time to leave one.

We’re sorry to hear that you received payment reminders too early and that your experience with our customer service was unsatisfactory.

We’d be happy to look into this with you again if you have any further questions. Please contact us via the channels below:

+31(0)88 3993 333
klantenservice@payin3.nl
www.payin3.nl

Best regards,
Bjorn, in3 team

Rated 5 out of 5 stars

Payment in 3 parts without interest

As their name suggests they offer payment in 3 parts to buy some 3rd party product and dont ask for interest. This can be very convenient sometimes, and they communicate with clear messages when the next payment is due. Paying in advance is also possible. To be honest I have not read the conditions for what happens when you are late with payment, but I found the service and communication very good. I would use the service again if offered.

17 March 2026
Rated 1 out of 5 stars

Bad Service:

Bad Service:
I ordered a product and when I was on a trip I have received an e-mail to be confirmed in 2-3 days to receive the item on a date.Because I could not answer them in a short time they extended the delivery date for another 3 weeks.I wanted to cancell the order which I had to pay penalties.Awfull service!!!

16 March 2026
in3 logo

Reply from in3

Dear Yuksel,

Thank you for your review and for taking the time to leave one.
We’re sorry to hear about your situation with the merchant

We’d be happy to look into this with you again if you have any further questions. Please contact us via the channels below:

+31(0)88 3993 333
klantenservice@payin3.nl
www.payin3.nl

Best regards,
Bjorn, in3 team

Rated 5 out of 5 stars

Amazing

Amazing, a lot of reminders so that you do not forget, but not too many where it gets annoying. It was great for when my laptop suddenly died and I could not afford it all in one go. Would recommend and use again

7 March 2026

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