Great company!I really do recommend, I’ve used them for over 10+yrs.In many cases, I’ve felt protected departing with money; when I have had to make disputes which has been very few in the years of activity, they have always fell in my favour and really have saved me from writing off money.The Pay in 3, is a fantastic service very consumer friendly, honestly all the time I’ve used PayPal I’ve always felt it to be consumer friendly and fall into the favour of the consumer rather than the company.I will be applying for PayPal Credit in the near future but have been holding out because of their joining offer which is great, but I’d rather save it for a big purchase.Honestly thank you for the years of keeping my money and details protected online.