Founded in 2018, in3 is a financial technology company based in the Netherlands that offers a "Buy Now, Pay Later" payment solution. The company's mission is to make responsible payment possible for consumers by allowing them to split purchases into three equal installments over 60 days, without incurring any interest or extra costs. For merchants, in3 provides a method to increase conversion rates and average order value by offering more payment flexibility to customers, while in3 assumes the full risk of non-payment and guarantees the merchant is paid upfront.