When a customer reaches the checkout, they are ready to buy. Yet it often happens that a request with in3 is not approved at the last moment. And this is exactly where conversion is lost. That’s why in3 now introduces Alternative Offering, a smart way to let customers pay safely even when payment in three installments is not possible.
What is Alternative Offering?
Alternative Offering turns the situation around. If a customer doesn’t pass the in3 check, the process no longer stops. In the same screen, a new option appears: complete the full payment immediately via iDEAL. The customer does not need to open a new page and remains in the same payment flow.
Why is in3 introducing this?
The goal is clear: fewer drop-offs and higher conversion. A customer who would otherwise leave can now complete the purchase. Additionally, the customer builds a positive payment history with in3, increasing the likelihood that they will be able to pay in installments in the future.
How does Alternative Offering work technically?
The best part: you don’t need to make any changes yourself. The functionality runs entirely on in3’s existing technology. The customer stays within the same screen and completes the payment using the familiar iDEAL flow, safely and quickly.
What does this mean for your conversion?
You lose fewer orders and help customers move forward. With immediate payment, a positive history is created with in3, allowing customers to fall within their spending limit later. This increases the likelihood that they will return to shop with you again.
Are there any additional costs?
No. Transactions via Alternative Offering are subject to the same rates as a regular in3 payment. It’s simply an additional safety net for orders that would otherwise not have gone through.
When will this be activated?
in3 will automatically activate Alternative Offering on November 26, 2025. You don’t need to involve developers or change any settings—the feature will be ready to use automatically.
What changes in the merchant terms?
The terms have been updated. The key changes:
Does a customer have an outstanding debt with iDEAL in3? Then a new purchase may be blocked. In case of cancellation, in3 may offset the paid first installment against the outstanding debt.
If a customer is not approved for payment in three installments, in3 may offer a direct payment. As a merchant, you agree that this payment will be processed like a regular in3 transaction.
What does this concretely mean for your webshop?
You get an extra chance at conversion, with no technical effort or additional costs. Customers stay within your payment flow, you lose fewer orders, and you even build future potential. A logical step for every webshop using in3.
Alternative Offering helps webshops retain conversion at the point where most orders are lost: the checkout. With minimal effort and no additional costs, you get a smart, direct payment option that fits seamlessly into a modern payment flow.
Want to know more about how payment options are changing?
