Did you end up finding anything out?
My conversation with Paypal 21/11/2024 which got me absolutely nowhere....
PAYPAL: Hi, My name is Praveen. Thank you for Contacting PayPal Messaging. We are reviewing your query and will provide a response within the next 3-5 minutes. If you have any other questions or concerns in the meantime, please feel free to let us know.
Please do not END this conversation until you receive a response. We're here to help!
ME: My Pay in 3 is no longer available for any purchase, any merchant or any amount. Previous merchants until very recently that were included I cannot pay for items with this option. I have never not paid the 3 payments due on the days they were to be taken.
The explanations for Pay in 3 as a payment option do not adequately explain what merchants are and are not included and if there is a minimum amount now to be able to use this option.
I have ADHD, using Paypal in 3 helped me manage my finances without getting confused and causing financial issues for myself. I used this option for monthly eye care, medicines and essential toiletries.
The credit payment option is not always a suitable payment option and is harder for me to manage. I would like to have the choice between the 2 as I did before.
PAYPAL: Zoe, I'm extremely sorry to know about the Pay in 3 option not being available to you. Do not worry this is only temporarily unavailable, everyone who applies goes through this process, the option automatically shows up, at the same time, once you see the option it means you are eligible to use it, and the decision is fully automated.
If the application does not go through, do not get discouraged, just give our system some time (about a week) to reinstate it, so that you will not have any problems with your future applications with Pay in 3.
In the meantime, Pay in 3 is still not available, do not worry you can still use PayPal as your Payment method so that you can still be protected by our Buyer's Protection Program.
Rest assured, I'm taking good care of your account and I'll make sure you'll get back the pay in 3 options by the timeline. All that I request is your kind patience and understanding on the matter.
21 Nov 2024 17:55
For your convenience I'll keep our conversation active for up-to 48 hours from now. Such that you can reply in this conversation and we'll help you with continuous assistance with this issue.
ME: This is no longer a temporary issue as it's been ongoing since for at least the last 2 months. I need to understand what has affected my eligibility. My credit score is *** and I have made all payments without issue
PAYPAL: We have received your request. An agent will respond shortly.
I'm transferring this message to the Specialist team. They will review our conversation and get back to you. The response may not be immediate, but you'll get a notification via email, App and within your PayPal account as soon as they reply.
Please do not end this conversation until you get a response from them.
We have received your request. An agent will respond shortly.
21 Nov 2024 18:01
ME: I need to also understand why I need to reapply and why I did not have notification if I was no longer eligible for this option. As mentioned I used pay in 3 to enable me to be able to buy medicine each month as one of my items I needed, as this medicine is expensive I cannot just use paypal normally to buy it otherwise I would have no money for other bills.
PAYPAL:Thank you for reaching out for us and for showing interest in using PayPal Pay in 3. For immediate assistance I called your number on file but, I was redirected to your voicemail.
ME: My phone showed I was getting a random call from the US so I would not answer this as this is usually a scam call
21 Nov 2024 18:06
I am not able to use my phone as I am experiencing health issues which makes this difficult for me.
If you could come back to me on my queries above. Thank you
??
Please could I get some kind of response? Thank you
21 Nov 2024 18:15
PAYPAL: Upon reviewing your account, it is on a good standing and no indication that could stop you from using the Pay In 3 and I can see your previous successful transactions as well. It looks like Pay in 3 isn’t available at this time for this purchase.
Pay in 3 is not always available on every single purchase. This doesn't mean it won’t appear again.I know you may be disappointed, but I have no way to add this for you now... You can continue to use a payment method attached to your PayPal accounts such as your banks
or cards.
Pay in 3 will vary by merchant and individual shopping experience. The option may not always be visible, as it depends on the merchant and the items you’re buying.
ME: Ok but this has not been available for at least a couple of months now on any purchase whatsoever, and has disappeared for merchants I have used before.
I have tried different merchants and for different amounts. It is not clear what merchants it can be used with and if there is a minimum purchase amount required. Please could you clarify what the new rules seem to be. Thank you
PAYPAL: Please know that this doesn’t mean it won’t be an option in the future. It may appear again depending on eligibility.
ME: Please clarify the eligibility criteria, what merchants it can be used with / which merchants it cannot be used with and if there is a minimum purchase amount required
PAYPAL: Let's go through a few steps together to see if we can find a solution. First, we need to ensure the total amount falls between 30 and 2000 GBP, and check if the item qualifies under the merchant's conditions. I also recommend checking other websites or sellers to see if Pay in 3 is available.
The Pay in 4 checkout option will be displayed if the option is available for the specific merchant as well as the transaction amount and type.
21 Nov 2024 18:20
ME: Every detail about this purchase method on your site is incredibly vague and does not give me a clear explanation. Stating that it may appear again depending on eligibility without telling me the eligibility criteria leaves me in the same position.
PAYPAL: You’re always welcome to apply for Pay in 3 whenever the option appears at checkout.
ME: it has not been appearing as an option for at least a couple of months now on any merchant/purchase I have done.
PAYPAL: In every purchase you have 30 GBP - 2000 GBP in using pay in 3.
ME: Is there a merchant list that pay in 3 is an option with, surely paypal as a business is aware which merchants this can be used as a payment option with
PAYPAL: When was the last time you try the application?
ME: all of my payments I have tried have been within that payment amount.
I recently tried with Feelgood contacts and I am trying now with Lloyds pharmacy, Treatwell
PAYPAL: There's no merchants list offering pay in 3. But if pay in 3 appears the checkout page feel free to reapply the transaction.
ME: Ok so it seems it is no longer an option with most merchants
I have gone to make a purchase with quite a few and have ended up cancelling those orders as this was not available anymore.
21 Nov 2024 18:26
Is paypal aware why these changes have now come into place with various merchants?
PAYPAL: I completely understand the urgency to use the pay in 3.
Yes, PayPal is fully aware about these changes.
I understand that this is not the resolution you wanted, but do you have any further questions about this?
ME: Unfortunately this has left me with no conclusive answers I am in the same place as before as when I started this chat
PAYPAL: Your patience on this is greatly appreciated. Thank you for allowing me to discuss this for you. I hope this play a part in resolving any outstanding matters. We do appreciate your business and are always here to assist you in any way we can and have a great day!
ME: This unfortunately has not resolved anything and left me more frustrated than before. My feedback would be that Paypal needs to have clearer answers in regards to this payment method and what further eligibility criteria is involved and what merchants no longer accept this payment option
The option may not always be visible, it really depends on the merchants, shopping experience, items you're buying.
PAYPAL: I recommend checking other websites or sellers to see if Pay in 3 is available You’re always welcome to apply for Pay in 3 whenever the option appears at checkout.
ME: As a customer spending time creating a basket with a merchant who accepts paypal to then get to their paypal account and find this is not available payment option only at that stage is frustrating and wastes a lot of time
21 Nov 2024 18:31
PAYPAL: Thank you for contacting PayPal. You may close the conversation when you are ready.
ME: This would mean I would need to spend hours checking every merchant who accept paypal and somehow finding the information about pay in 3. The merchants do no state if they accept pay in 3 only if they accept paypal
It should be paypals responsibility to inform their customers which merchants do not accept this paypal payment option
Please confirm if my feedback has been taken on board and will be relayed to the necessary team. Thank you
21 Nov 2024 18:37
??
