in3 collaborates with iDEAL. This allows you to pay for your orders in three equal installments, interest-free, using our new payment method iDEAL in3. iDEAL in3 is a separate payment method available at the checkout of a webshop.

iDEAL in3 is available at many webshops, but not everywhere yet. If you don’t see it as a payment option, ask the webshop if they can add iDEAL in3.

At checkout, choose iDEAL in3. A credit check is performed within a split second. After approval, you immediately pay the first installment, which is equal to one-third of the purchase amount, via iDEAL. You will then receive a reminder to make the second payment within 30 days and the final installment within 60 days—all without any additional costs!

Basically, iDEAL in3 is the same: you pay for your order in three equal instalments and are sent a payment link before the payment date to make the payment.

If you fail to pay both the second and third instalments, your case will be handed over to one of our debt collection partners (ACCS, Faircasso, or PAIR Finance) two weeks after the WIK email (Debt Collection Costs Act email) has been sent.

WIK stands for "Wet Incasso Kosten" (Debt Collection Costs Act). A WIK email or letter is a legally required final reminder sent before a case is transferred to a debt collection agency. This letter gives you an additional 14 days to settle your debt without incurring extra collection costs.

In this context, statutory collection costs of 15% of the outstanding amount may be charged, with a minimum of €40.

In3 will continue, if the pilot is successful, iDEAL in3 will be expanded to more web shops.

If you have an in3 account, you will see both your orders placed with in3 and iDEAL in3 in the in3 app, provided the account and order details match.  

You can switch between in3 and iDEAL in3 in your existing account. From the in3 section, you can make the payment for any order you see. If you are in the iDEAL in3 section, you can only do so for iDEAL in3 orders.

You can find the payment terms for iDEAL in3 here.

Yes, your spending limit will remain the same.

iDEAL in3 is the only spread payment method without interest or loan and BKR registration. You pay in three instalments within 60 days. You pay the first instalment directly via iDEAL. You pay the second instalment within 30 days and the third instalment again 30 days later.

We will refund the amount you paid, after confirmation of return/cancellation by the webshop, within 5 working days to the account number known to us.

Prior to payment, in3 does a data check. There may be various reasons why the payment fails. We will be happy to explain this to you over the phone or by e-mail.

No, unfortunately this is not possible. You must pay the amount before the due date(s).

Yes, to offer our service, we need your personal data. You can learn more about this in our privacy statement.