Welcome to the community and thank you for your post!
I understand your concern about the pending Pay in 3 payment. When making a purchase with PayPal Pay in 3, we will place a pre-authorization hold on your chosen card for an amount equal to the initial payment or one-third of your total purchase amount. This will show as a pending authorization in your PayPal account activity and also in the bank account of the card linked to your PayPal account. Once you complete your purchase with PayPal Pay in 3 and the merchant ships your goods, the pending authorization will be removed and the initial payment will be withdrawn from your card. If you do not complete your PayPal Pay in 3 transactions, the pending authorization will be automatically voided by PayPal within 72 hours of the pre-authorization hold.
I hope this helps,
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