Pay in 3 option missing

[StuL62]

Pay in 3 option not showing.used it for 2 or so years or more,never missed payment and always paid off every transaction early,EVERY TIME.PAYPAL has never had to take a payment date collection on any transactions EVER.why has it gone missing from my account despite the above???

[Gazcally]

The exact same thing is happening to me! Used this option for years paid back every time on time. PayPal is moving from PayPal Europe to PayPal UK maybe this has something to do with it, otherwise I'm lost and very frustrated

[PayPal_Ayesha]

Hello @StuL62 and @Gazcally,

Welcome to PayPal Community Forum and thank you for posting!

I am sorry to know that you're not getting PayPal Pay in 3 option and I understand this can be frustrating sometimes. Please be informed that Pay in 3 may not be available for certain merchants. Our system may also decide not to offer PayPal Pay in 3 as an option based on our internal checks. Pay in 3 is decided based on a variety of factors. Our decision process is automated. Some details our system reviews include your financial position, the information you provided within your application, and information about your usage and history with your PayPal account.

Regards,
Ayesha

[Martyndavid007]

Your company is a complete joke , take jet 2 , book your holiday with them and pay in 3 is advertised on their holiday page, you spend 30 minutes booking the flight and holiday, inputting all your details and passport information and then you press PayPal pay , you are redirected to PayPal and guess what ? It states this payment option is not available, please return to jet 2 to pay !! 

What a way to treat a loyal customer who has been with PayPal for 8 years and never missed a pay in 3 payment and had spent 30 k with various merchants over 3 years. 
i have spent hours on the phone to management trying to ascertain why this is happening and get no where, all I hear from PayPal management is your account is in good standing and the facility will reappear at some point etc etc or some merchants do not offer pay in  3 or certain products etc , all a load of bs eh ? 

I now encourage all my friends/ family to not use these idiots 

[kernowlass]

@Martyndavid007 

They never guarantee it, you can only use it when its offered.

https://www.paypal.com/uk/cshelp/article/questions-about-pay-in-3-applications-help464

[Coffeebrown]

I understand what your saying but I have been with PayPal for years and since the pay in 3 option has been available I have used it with 0 issues. All of a sudden there’s an issue and clearly people are experiencing the exact same problem. I recieved an email regarding them changing there T&C but no mention of them changing the pay in 3 option but it seems to me that’s what’s caused the problem. Like others I’m unhappy with this as there’s certain companies that only accept PayPal rather than say Clearpay.

[Sandr1]

I had exactly the same thing happened to me yet I have been with them for God knows how many years never missed a payment and most of the time pay in advance and the last time I wanted to use it was to get a flight ticket that gave the option of PayPal pay in three and at they end they said they don’t do it and since then it has disappeared from my account This is so annoying

[Ash_C1111]

completely agree, they are denying people who NEED this option and were relying on it... despite them doing NOTHING wrong, despite NO repayment issues. Completely sensless... they need to rectify.

[Eleganza]

Although Pay in 3 is an unregulated payment method, PP should advertise its biggest minus clearly and boldly not in the small print.

After a quick phone call to the pay-in-3 team, the picture is a bit clearer. The biggest minus is that it is a payment method with policies completely controlled by an algorithm, inaccessible to the staff. So you might get the option, and then one day, the algorithm will decide it doesn't like something and will remove it.

I would say to any company that doesn't allow manual override of their credit system that this is cynical and cold behaviour. Maybe 3in1 should be regulated too.

If you are responsible with your money and need to use some instalment program and not offer 3 in 1, I'd say go and use other 0% competitors like Klarna, etc'.

I feel sorry for Paypal's staff who are left with no answers to their clients.

[Sandles84]

Hi can anyone help me I have always used pay 3 with PayPal for a very long time spent so much using it and never had a problem or been been declined until the 1st of Aug I then realised I had missed a PayPal credit payment,so assumed this was why? as soon as I realised I paid it straight away,my paypal credit has not been affected but pay 3 has gone from my acc everywhere I read says you can apply again after 35 days but still not an option? Is it gone for good 😭