PayPal — Paga in 3 rate vs Alma — Paga a Rate
Neither wins across the board: weigh the points above against your use case before choosing between PayPal — Paga in 3 rate and Alma — Paga a Rate.
| PayPal — Paga in 3 rate | Alma — Paga a Rate | |
|---|---|---|
| Tier | C | C |
| Rating | ★ 3.4 | ★ 3.1 |
| Representative-example APR | 0% APR | 0% APR |
| Number of instalments | 3 | 3 |
| Lender | BNPL / deferred payment | BNPL / deferred payment |
| Mandatory insurance | No | No |
| KYC | Light | Light |
| Supported countries | EEA · 1+ countries | EEA · 1+ countries |
| Regulator | CSSF (Lussemburgo) | ACPR (Francia) |
| Segment | B2C | B2C |
| Regions | EU/EEA | EU/EEA |
| Licences & safety | Istituto di credito (CSSF, Lussemburgo) | Établissement de paiement + société de financement (ACPR Francia, agrément 90786); operatività in Italia in libera prestazione (LPS) |
Frequently asked questions
PayPal — Paga in 3 rate vs Alma — Paga a Rate: which is better?
Neither wins across the board: weigh the points above against your use case before choosing between PayPal — Paga in 3 rate and Alma — Paga a Rate.
Is PayPal — Paga in 3 rate custodial or self-custody?
PayPal — Paga in 3 rate is custodial: funds are held by the platform, while Alma — Paga a Rate is custodial.