What in3 does

in3 is a Netherlands-based Buy Now Pay Later fintech founded as a scale-up in Eindhoven that lets consumers split purchases into three equal instalments over 60 days at 0% interest, without BKR (Dutch credit bureau) registration. The core product is anchored on iDEAL — the dominant Dutch online payment rail — with the first instalment paid at checkout via iDEAL and the remaining two collected automatically; the brand is being carried into the new pan-European Wero initiative as iDEAL is rebranded. Distribution to merchants is delivered exclusively through native integrations with seven Dutch payment service providers — Mollie, Pay., Buckaroo, MultiSafepay, CM.com, Worldline and ING Checkout — supplemented by WooCommerce and Magento 2 plugins and an Exact Online PaybyLink invoice product; merchants activate in3 through their existing PSP dashboard rather than via a direct API.

The platform extends beyond online checkout into in-store retail through the in3 Card, a 2025-launched virtual card held in Apple Pay or Google Wallet that brings the same 3-instalment 0% structure to physical stores without requiring POS integration from the merchant. Underlying the consumer experience is a real-time credit decisioning engine that combines external EDR bureau data with in-house payment-history records to set and dynamically adjust a personalized spending limit (bestedingslimiet), automated reminder workflows, and rule-based default handling (spend-limit strike, 14-day notice, collection transfer, 2-year block). Supporting surfaces include a consumer iOS/Android app with iDIN-based age verification and a merchant portal. The platform also distributes a partner-branded B2B pay-by-invoice product (Mondu) for transactions up to €1 million.

in3 makes money through merchant fees on BNPL transactions, layered on top of working-capital debt that was significantly scaled via an $85.3-85.5M (€81M) May 2022 Series B combining equity and debt from Force Over Mass, Waterfall Asset Management and Finch Capital, following an $11.1M March 2022 Series A led by Finch Capital. The company holds Kiwa ISO 27001 certification, is a Thuiswinkel.org business partner with Shopping Awards in 2020 and 2021, and adheres to the Dutch BNPL Gedragscode. In May 2026, UK open-banking company TrueLayer acquired in3 to fold BNPL and longer-duration credit into its Pay by Bank network, with in3 continuing to operate from Eindhoven under CEO Hans Langenhuizen.

Name

in3

Legal name

in3

Website

https://payin3.eu

Company type

Private

Founded year

2018

Operating status

Acquired

Headcount range

11–50 employees

Short description

in3 is a Dutch BNPL fintech that lets consumers split online and in-store purchases into three 0% interest instalments over 60 days, distributed to merchants through major Dutch PSPs and now operating as part of TrueLayer's Pay by Bank network.

Ownership category

akta.pro rank

Product category

Buy Now Pay Later (BNPL) Consumer Lending

NAICS

Sales Financing (52222), Credit Intermediation and Related Activities (522)

akta.pro primary industry

Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA)

akta.pro secondary industries

In-Store / In-Person BNPL (POS) (FSAKACAB), Merchant-Integrated BNPL (Online Checkout) (FSAKACAA)

Keywords

• Buy now pay later
• Installment payments
• Consumer credit
• Payment processing
• Merchant financing

Headquarters

HQ city

Eindhoven

HQ country

Netherlands

HQ region

Europe

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Core offering

in3 is a Dutch Buy Now Pay Later (BNPL) provider that enables consumers to pay for online and in-store purchases in three equal interest-free installments spread over 60 days. The service is offered at 0% interest to consumers, with the merchant paying a transaction fee. in3 provides real-time credit-worthiness decisions using external bureau data and internal payment history, and is integrated into major Dutch payment service providers and e-commerce platforms.

Product overview

in3 is a single-platform BNPL (Buy Now Pay Later) fintech centered on its core product 'in3', which lets consumers split a purchase into 3 equal installments over 60 days at 0% interest without BKR registration. Around that core the company has built several modules and extensions: iDEAL in3 (the historical iDEAL-suite label, now being phased into 'in3'/'Wero'), the in3 Card virtual card for in-store payments, PaybyLink van in3 for Exact Online invoicing, the Mondu B2B pay-by-invoice partnership product distributed through in3's PSP layer, the marketing toolkit / on-site messaging plug-ins for WooCommerce and Magento 2, and supporting consumer and merchant portals (the in3 mobile app and the in3 Merchant Portal). Distribution is delivered entirely through PSP integrations (Mollie, Pay., Buckaroo, MultiSafepay, CM.com, Worldline, ING Checkout) rather than via a direct merchant API. Since May 2026 the platform operates as part of TrueLayer's Pay by Bank network, with in3 serving as TrueLayer's credit / BNPL capability across Europe.

Differentiator

Problem solved

Functional benefit

Brands

• in3 Card: Virtual payment card enabling consumers to pay in 3 installments at 0% interest at physical retail stores via Apple Pay or Google Pay, launched by in3 for in-store purchases.

Products and services

• in3 BNPL Online Checkout The core in3 product allows online webshops to offer consumers the option to pay in three equal installments over 60 days at 0% interest, with a real-time credit decision and no BKR (Dutch credit bureau) registration. Targeted at Dutch e-commerce merchants and their end consumers.
• in3 Card A virtual card product that extends the in3 three-installment BNPL payment method to physical in-store retail purchases. Targeted at consumers shopping in physical stores and the merchants serving them.
• PaybyLink van in3 Payment-link based extension of in3 that allows merchants (and by extension their customers) to settle open invoices or post-purchase amounts through the in3 three-installment plan via a hosted payment link.
• Mondu B2B Pay-by-Invoice via in3 Partner-distributed B2B invoice payment offering from Mondu, made available to merchants through the in3 platform, allowing business buyers to pay business invoices in installments.

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability4 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Klarna: Swedish-founded global BNPL leader offering pay-in-3 and pay-in-4 instalments at 0% interest across many of the same Dutch and German merchants. Most direct competitive overlap with in3 on three-instalment e-commerce checkout and physical-retail expansion.
• Riverty (formerly Arvato Financial Solutions): Bertelsmann-owned BNPL and direct-debit provider serving Dutch and German merchants with pay-in-3 and invoice solutions. Competes head-to-head with in3 on local merchant integrations and is integrated through many of the same PSPs.
• Billink: Dutch BNPL fintech offering pay-in-3 and post-payment invoice solutions to NL webshops via PSP integrations. Closely comparable on geography, product structure and distribution channel (PSP-aggregated).
• Tinka: Netherlands-based BNPL provider (formerly Afterpay NL) offering pay-in-3 and pay-later via major Dutch PSPs. Direct competitor to in3 on the same Dutch e-commerce checkout and merchant base.
• Spraypay: Dutch pay-later provider offering BNPL and invoice products for higher-ticket purchases. Comparable on Dutch merchant focus and instalment lending, with stronger position in larger-ticket verticals (e.g., consumer durables).

Broad incumbents

• PayPal Pay in 3: PayPal's pay-in-3 BNPL offering bundled with its broader checkout, wallet and credit products. Comparable on the three-instalment 0% product but reaches merchants through PayPal's own global checkout rather than the Dutch PSP layer.
• Afterpay (Block / Square): Global pay-in-4 BNPL brand owned by Block, integrated into Square and Shopify ecosystems. Closely comparable on three/four-instalment 0% product, though positioned as part of a much broader merchant-services suite.
• Affirm: US-listed BNPL and point-of-sale credit provider offering 0% short-term instalments and longer-tenor credit. Comparable on 0% short-instalment mechanics, though with broader US/global focus.

Emerging players

• Mondu: Berlin-based B2B BNPL / pay-by-invoice provider; in3 already distributes Mondu's B2B pay-by-invoice product to Dutch webshops. Partial overlap on the B2B invoice segment and on the PSP-integration distribution model.

Others

• Mollie: Dutch payment service provider through which in3 reaches over 130,000 merchants. While not a direct BNPL competitor, Mollie has been progressively adding pay-later functionality of its own and is a critical channel partner for in3.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/in3payments

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds3 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about in3