in3 is a Dutch BNPL method where customers pay in 3 installments, at no extra cost and without having to register with the Bureau Krediet Registratie (BKR). in3 guarantees settlement after receiving the first installment.

Read how in3 can benefit your business on

CountriesNetherlands – in3 checks the customer's country, and billing/shipping address to confirm.
You can request in3 to process a full or partial refund, either before payout or up to 1 year afterwards.
Payment pagesYes (current version only)
RefundsYes: Full, partial, and API refunds
Second ChanceYes

Payment flow

This diagram shows the flow for a successful transaction. Click to magnify.

in3 payment flow

Payment statuses

The table below sets out the order status and transaction status for payments and refunds.

DescriptionOrder statusTransaction status
in3's credit check is in progress. You can still cancel.InitializedInitialized
in3 is waiting for the customer to pay the first installment (within 5 minutes).UnclearedInitialized
The customer has paid the first installment. Settlement is now guaranteed.
You can no longer cancel. You can only refund.
You can manually change the order status to shipped for your records, but this is not required to trigger invoicing.ShippedUncleared
MultiSafepay has collected payment.CompletedCompleted
in3 declined the transaction.DeclinedDeclined
The customer cancelled the transaction or abandoned the first installment.VoidVoid
The customer didn't pay the first installment.ExpiredExpired
Refunds: in3 has successfully processed a full or partial refund.CompletedCompleted
Refunds: The refund was declined.DeclinedDeclined


  1. Email a request to [email protected]
    We check your eligibility and if approved, activate the payment method for your account.
  2. Once approved, sign in to your MultiSafepay dashboard .
  3. To activate the payment method for:
  • All sites, go to Settings > Payment methods.
  • A specific site, go to Sites, and then click the relevant site.
  1. Select the checkbox for the payment method, and then click Save changes.

💬 Support: If the payment method isn't visible in your dashboard, email [email protected]



  • See API reference – Create order > BNPL order.

    Example requests

    For example requests, on the Create order page, in the black sandbox, see Examples > in3 direct/redirect.

  • A shopping_cart object is required for all BNPL orders. See Recipes – Include shopping_cart in order .

  • Transactions expire after 2 hours.

  • For direct orders, you must display your terms and conditions in your checkout.

Ready-made integrations

in3 (direct) is supported in:


To test in3 payments, see Testing payment methods – BNPL methods.

User guide


Different billing and shipping addresses are supported.

Amount limits

  • Minimum amount: 50 EUR
  • Maximum amount: 3000 EUR

You can adjust these limits in the backend of our ready-made integrations to show or hide in3 on your checkout page depending on the order value.

Gift cards

When paying with a gift card and in, customers must enter the gift card details before placing their order, i.e. on your checkout page. This is because in3 collects and require precise order specifications. Our platform would interpret the gift card as a discount and generate incorrect order information, e.g. tax calculations.

You are solely responsible for this in your integration.


When you ship the order, you can change the order status to Shipped for your records, bu this is not required to trigger invoicing.

How to change the order status to shipped

In your dashboard

  1. Sign in to your MultiSafepay dashboard .
  2. Go to Transactions > Transactions overview, and then click the relevant transaction.
  3. On the Transaction details page, under Order details, click Change order status.
  4. Change the status to Shipped.
  5. Send the customer the track and trace details, if relevant.

In your backend

If you change the order status in your backend, the following ready-made integrations pass the updated status to your dashboard automatically:

  • Magento 2 and WooCommerce: When you set the order to Shipped in your backend.
  • Shopware 5: When you set the order to Delivered in your backend.

For other ready-made integrations, make an update order API request.

❗️ Note: Some third-party plugins may not support updating the status via our API.


Due to changes to the Wet op het consumentenkrediet, merchants who apply surcharges to BNPL methods are now deemed credit providers under article 7:57 of the Burgerlijk Wetboek. This requires a permit from the Authority for Financial Markets (AFM).

We therefore strongly recommend not applying surcharges.

For more information, email [email protected]



Email [email protected]

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