Pay in 3 installments. No interest, no fees.
You get paid in full. Your customers split their purchase into three equal, interest-free payments. And Riverty takes the credit risk and handles every repayment.
Pay in 3 – built for your customers
Pay in 3 lets customers split a mid to high-range basket into three payments, so the price tag no longer holds them back at checkout.
Riverty takes on the full credit and non-payment risk for approved orders; you’ll receive payment according to your agreed settlement terms, however your customers repay.
From reminders to missed payment follow-ups, Riverty manages the full customer repayment cycle. Which means less operational load for your team, and a cleaner experience for your customers.
What Pay in 3 means for your business
How Pay in 3 works
Step-by-step:
They see three equal, interest-free installments and their due dates, verify their bank account with a small verification payment, and authorise the direct debit.
When you ship the order, Riverty sends the customer an invoice with the full payment schedule.
Three days before each payment, customers receive a heads-up by email. They can then follow their plan in the Riverty App.
Pay in 3 – what’s included
Pay in 3 is covered by consumer credit law – a trust signal that reduces checkout hesitation and keeps the post-purchase experience clean.
| Feature | Detail |
|---|---|
|
Installments |
Three equal, interest-free payments, 30 days apart |
|
Interest & fees |
No interest, no setup fees. Late fees apply only if a payment is missed |
|
Best for |
Fashion, lifestyle and accessories, sports and outdoor, home décor |
|
Typical basket |
€100 to €300. Higher-value orders are also possible, depending on your checkout strategy and agreement. |
|
Payment collection |
Direct debit, after bank verification at checkout. iDEAL available for reminders |
|
Payment schedule |
First installment after the order ships, then two more every 30 days |
|
Checkout transparency |
Installment amounts shown upfront – what you see is what you pay |
|
Riverty app |
Customers view their plan, amounts, and upcoming payments in-app |
|
Missed payments |
Proactive reminders before due dates. Customers have time to pay before fees apply |
|
Merchant support |
Merchant Portal, merchant service desk |
|
Integration |
Adyen, PAY. and Collana Hive, or directly via the Riverty Payment API |
|
Available in |
The Netherlands, soon in Germany |
Trusted by Europe’s top retailers
We knew that payments play a crucial role in customer experience, and Riverty provided exactly what we needed: a seamless, flexible, and reliable solution. Our customers love the ability to choose how and when they pay, and we’ve seen a real impact on our sales during peak periods.
|
|
Franziska Schneider |
Flexible payment options
Offer flexible invoice and instalment payments that customers recognize and trust – integrated into your checkout without disruption.
Make premium products accessible – customers buy more when they can spread the cost.
Your frequently asked questions, our answers
Pay in 3 lets your customers split a purchase into three equal, interest-free payments, collected 30 days apart. You get paid in full, Riverty takes on the credit risk and manages every repayment.
No. Pay in 3 works best alongside Invoice, giving customers a choice between paying later in one go, or spreading the cost. Place it above or next to Invoice at checkout so both options are visible.
At checkout, customers verify their bank account and authorise the direct debit. When you ship the order, Riverty sends the invoice with the payment schedule and collects the first installment. The second and third follow every 30 days, each with an email reminder three days in advance.
Through Adyen, PAY. or Collana Hive, or directly via the Riverty Payment API. Once live, Pay in 3 appears at checkout automatically. Riverty handles eligibility per order based on order value and customer profile, with no manual steps on your side.
Yes. Customers pay no interest and no setup fees. Late fees apply only if a payment is missed on the outstanding amount; that's what makes it a genuinely different offer from a credit card or a traditional financing product.
Pay in 3 reduces abandonment at key decision points, increases average order value by 30%, and lowers the return rate by 11% compared to the 14-day invoice. Riverty carries the credit risk and handles every repayment, you get the uplift without the operational overhead.
If a direct debit fails, Riverty sends the customer a reminder with the option to pay by iDEAL; the remaining installments stay on schedule. If an amount is still unpaid after the final installment, Riverty handles dunning and, where needed, debt collection, also handled by Riverty. Your payout is not affected.
Pay in 3 is currently available in the Netherlands and soon in Germany. For higher-value purchases or other markets, Riverty also offers Fixed Installments and 14- and 30-day Invoice.