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Paypal – Pay In 3

pay over 3 months with zero interest
For many months we have helped salons install and use services that spread the payments for clients. These have included Klarna, LayBuy and DivivideBuy. But Paypal has just launched “Pay in 3” and will likely become the dominant provider due to their reputation and financial strength.
We are just helping our first client implement the system and these notes will help …

  • With “Pay in 3” your clients can pay up to £2,000 over 3 months in equal payments.
  • They have to apply to PayPal who decide whether they are eligible. This is usually based on their previous PayPal history but if they do not have that, they will do a soft finance check.
  • There are no fees for your clients and their repayments will be interest free.  However, if people are late paying an instalment, they will be charged £12 per late payment.

They can pay via your website (once Salon Guru set it up) or a special tablet at Reception (once we set it up) or you can send QR codes or links to the PayPal Pay In 3 option.

The fees the salon pays can be found here:  UK fees and fees in the USA. You will see different fees depending on whether you use QR codes or commercial transactions. 

QR Codes:  These are generated within PayPal, but do not contain a value, just the payment receiving account details. The buyer will have to enter the amount.  Once they’re logged into PayPal, they should see ‘PayPal Credit’ and ‘Pay In 3’ under their payment options, along with their saved card and bank options. The salon will be able to verify the payment immediately using a tablet or PC. 
Instructions for getting a QR code can be found here

Checkout Buttons:  We have a plugin to use for what PayPal call  ‘smart buttons’.  These can be activated on individual product pages, the basket page and the final checkout. The customer will be shown a summary of what the 3 payments will be once they reach PayPal. 
Because they use the PayPal API, we will need you to get your PayPal API settings from here
Note: We have no control over which buttons PayPal will display. This is dependent on your PayPal account and what services PayPal have activated for you.

If you have a PayPal business account, you should already be set up to receive these payments and generate QR codes.  Failing that, contact PayPal here or call PayPal on 0207 949 3272 and select option 3. We will, of course, help you to get this set up. 

Incidentally, you will also come across PayPal Credit which allows your clients to ask for credit up to £XXXX amount.  They pay interest on this option so I would steer clear of this. 

Step by step setup
1. We activate the relevant PayPal plugin.
2. You send us the PayPal API keys which we will add to the plugin.
3. Using the button in the plugin settings, you connect the website to your PayPal account.
4. We add and configure the look and feel of the ‘smart buttons’.

Previous An online shop on your salon website using Woocommerce
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