in3 is a BNPL fintech founded in 2018 that offers consumers the ability to pay in three interest-free instalments over 60 days without credit‑register registration. The platform serves more than 1,500 online and offline merchants, including Kwik Fit, EP, La Souris, Matt sleeps and Dekbed‑Discounter. in3 says it does not charge consumers and instead benefits when customers pay on time, and performs an advanced fraud/credit check at order placement. The company invested in its tech stack and team over the past year to prepare for scaling transaction processing both online and in physical stores. Revenues have grown 300% year‑on‑year since 2018 as it scales reach and operations. in3 plans to expand further in the Netherlands via a nationwide partnership with Mollie and intends to launch in Germany soon. in3 provides Buy Now Pay Later payment services that let consumers split purchases into three interest-free instalments within 60 days, with no transaction costs and no credit‑register registration. The company positions itself as an antidote to traditional BNPL products by removing interest and credit‑check friction for buyers. in3 has launched free BNPL services in the Netherlands through a partnership with Worldline, enabling online and offline merchants in Worldline's network to offer in3 without additional integrations. The startup plans to use the newly raised funds to further build out its technology platform and continuously invest in customer satisfaction. The Netherlands BNPL market is growing rapidly (Research & Markets cited a 74.8% increase in 2022 and an expected 32.8% CAGR over the next six years), which underpins in3's expansion opportunity. The company was founded in 2018.

Total raised

$96M

Funding rounds

2

Latest round

Series B

Latest activity

May 2022