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.
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