Its ‘Pay in 3’ scheme will launch in late October, and will be available to use at Crew Clothing, French Connection, Robert Dyas and Ryman. PayPal’s new payment option is similar to those offered by Clearpay, Klarna and Laybuy, although each scheme varies in terms of repayments and late fees. While the option to spread the cost of Christmas or big purchases on Black Friday might be appealing...