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Buy now and pay later with PayPal

Pay in 3 offers flexibility to pay over time.

Pay in 3 interest-free payments on qualifying purchases of  £30 - £2000

Pay in 3 is a form of credit, so carefully consider whether the purchase is affordable and how you will make the repayments. Be aware of the possible impact of using Pay in 3 and of missing payments, including making other borrowing more difficult or more expensive. Pay in 3 eligibility is subject to status and approval. 18+ UK residents only. See product terms for more detail.
Paypal Pay in 3 instalments

How it works

Where to find it at checkout

Step 1: Change your payment method

At checkout, select "Change" to modify your saved Payment method. New customers can skip to Step 3
Step 1: Change your payment method
Step 2: Select "Choose a different way to pay"

Step 2: Select “Choose a different way to pay”

Even if you've saved PayPal in your payment methods, you still need to choose a different way to pay.

Step 3: Choose a way to pay

Select "Flexible payments"
Step 3: Choose a way to pay
Step 4: Select PayPal Pay Later

Step 4: Select PayPal Pay Later

Select "Place Order" to be redirected to PayPal to select Pay in 3 and complete your purchase

Microsoft Surface Devices

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Xbox Consoles

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Frequently asked questions

  • PayPal Pay in 3 is an interest-free loan that lets you split your basket into 3 payments, with the first due at time of purchase and subsequent payments due every month on the same date.  Pay in 3 is a form of credit, so carefully consider whether the purchase is affordable and how you will make the repayments. Be aware of the possible impact of using Pay in 3 and of missing payments, including making other borrowing more difficult or more expensive. 

    For more information go to https://www.paypal.com/uk/webapps/mpp/paypal-payin3/faq

  • If your purchase at Microsoft Store is not completed, you will not be charged.
  • PayPal purchases show up in the Payments section under Payment Options.
  • Microsoft Store’s refund policy applies to purchases, including purchases made using PayPal. Learn more about returning items you bought from Microsoft Store for exchange or refund. If you need to return your physical product after your purchase, and are within the 60-day return policy, you will be refunded just as you would with a regular credit card.
  • Yes, if you request the price adjustment within 60 days of your delivery date, and otherwise meet the terms of the Microsoft Store Price Promise, you’re eligible for a price adjustment. You’ll need to contact Microsoft Store Sales and Support with your order number to receive your adjustment.
  • PayPal Pay Later options cannot be used for gift cards, one-time paid or recurring subscriptions at Microsoft Store.

Why shop from Microsoft Store

We offer free shipping, free returns, and cash for eligible used devices, as well as flexible payment options. Plus, if we lower our price on a physical product within 60 days from delivery, we’ll honour a one-time price adjustment.

  • Free shipping and returns: Available with eligible physical products purchased from Microsoft Store online and Microsoft Experience Centers in select markets. Return process must be started within 60 days after customer receives the product. Limit 5 product returns per eligible customer purchase. Excludes Surface Hub, HoloLens, and Windows DevKit. Applicable return policy applies. For purchases made at Microsoft Store, see applicable Microsoft Terms of Sale for more information. For purchases made at a Microsoft Experience Center, see receipt for more information. Microsoft reserves the right to modify or discontinue offers at any time.

    Low-price promise: Valid on purchases of physical products made at Microsoft Store online with a valid Microsoft Account and at Microsoft Experience Centers in select markets for 60 days from the date the customer receives the product (“Offer Period”). Excludes Surface Hub, HoloLens, and Windows DevKit. Customer is eligible only if price of the purchased product is reduced during the Offer Period and in stock. For purchases from Microsoft Store, contact Microsoft Store Sales and Support with your Microsoft Account information and any other information requested by a representative. For purchases from a Microsoft Experience Center, customer must return to the location with receipt. Price adjustment will be provided in same manner as purchase method. Limit 1 price adjustment per product. Price adjustments apply only to purchase price and do not include taxes, shipping or other fees. Microsoft reserves the right to modify or discontinue offers at any time.

  • Gift with confidence: Holiday extended return policy available with eligible physical products purchased between 31/10/23- 1/12/23 from Microsoft Store online and Microsoft Experience Centers in select markets. Purchases can be returned through January 31, 2024. Limit 5 product returns per eligible customer purchase. Excludes Surface Hub, HoloLens, and Windows DevKit. Applicable return policy applies. For purchases made at Microsoft Store, see applicable Microsoft Terms of Sale for more information. For purchases made at a Microsoft Experience Center, see receipt for more information. Microsoft reserves the right to modify or discontinue offers at any time.
  • Price promise all season long: Holiday extended price promise valid on purchases of qualifying physical consumer and commercial products purchased from Microsoft Store online and Microsoft Experience Centres in select markets between 31/10/23- 1/12/23. Price adjustment may be requested until January 31, 2024. Customer is eligible only if the product is in stock for purchase at Microsoft Store or a Microsoft Experience Centre. Customer must contact Microsoft to request the adjustment. For purchases from Microsoft Store, contact Microsoft Store Sales and Support with your Microsoft Account information and any other information requested by a representative. For purchases from a Microsoft Experience Centre, you must return to the location with your receipt. Limit 1 price adjustment total per product. Excludes Surface Hub, HoloLens, and Windows DevKit. 
  • Any offers shown are for a limited time while supplies last. See terms.