LazyPay Pay-in-3 Integration

LazyPay Pay-in-3, the product that lets your customers split the cost of their purchase into 3 simple, equal, interest-free installments. Customers pay the first installment upfront at the time of checkout, and the remaining two installments are automatically charged in the 2nd and 3rd month — with zero interest and zero hidden fees.

Pay-in-3 is designed for everyday, mid-ticket purchases, making it easier for customers to say yes to a purchase without straining their monthly budget, while merchants benefit from higher conversion and order value, with no added risk.

Pay-in-3 is offered by LazyPay and integrates directly into your existing checkout flow. Customers select Pay in 3 as a payment option at checkout, complete a quick one-time verification, and get instant approval — no lengthy forms, no credit card required.

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Before you begin:

Register for an account with PayU before you start integration. For more information, refer to Register for a Merchant Account. 

How Pay in 3 Works

1. Customer selects Pay-in-3 at checkout — The option appears alongside other payment methods on your checkout page, along with an instalment breakdown so customers know exactly what they'll pay and when.
2. Instant eligibility check — The customer completes a quick mobile-number based verification.  A real-time eligibility check is done in the background — no paperwork, no waiting.
3. First instalment charged immediately — One-third of the order value is charged at the time of transaction, just like a regular payment.
4. Order is processed right away — There's no delay to the merchant. Once the first instalment is successful, the order moves to fulfillment exactly as it would with any other payment method.
5. 2nd and 3rd instalments auto-collected — The remaining two instalments are automatically deducted in month 2 and month 3, on the same date each month. The customer doesn't need to take any further action.

Pay-in-3 Benefits

Pay-in-3 offers the following benefits to both customers and merchants:

• Simple, predictable payments: Just 3 equal installments — no complex tenure choices, no interest calculators, no confusion.
• Zero interest, zero hidden charges: Customers pay exactly one-third of the order value each month. What they see at checkout is what they pay.
• Instant approval: Customers get a real-time decision and can complete checkout in seconds.
• No documentation required: No credit card, no income proof, no paperwork — just a quick mobile verification.
• Higher conversion and AOV for merchants: By breaking the purchase price into smaller, manageable amounts, merchants can convert price-sensitive customers and unlock higher average order values.
• Reduced cart abandonment: Customers are more likely to complete checkout when the full payment isn't due upfront.
• Merchant gets paid upfront: Merchants receive the full order value at the time of transaction — as Lazypay takes on the responsibility (and risk) of collecting the remaining installments from the customer. There is no impact to your settlement cycle.

Integrate Pay-in-3

You can integrate with any of the following integrations:

• PayU Hosted Checkout
• Merchant Hosted Checkout