A loan is a binding commitment and must be repaid. Please ensure that you are able to make the repayments before committing yourself.

Payment in instalments

What if you could make your payments more flexible with one of France’s top payment in instalments provider ?

Buy now pay later means Homepage
Floa Pay Buy Now Pay Later

Floa is a wholly-owned subsidiary of BNP Paribas, a leading European bank8

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Double your basket

More flexible payments, happier customers, and higher revenues for you
  • Picture Florent Mermet Bouvier, cdiscount
    Florent Mermet-Bouvier Head of Sales cdiscount
    “70% of our customers use it”

    Payment in instalments is a key part of our commercial offering. Because accessibility is in our DNA, we offer our customers the option to pay for small baskets (€50 or more) in 4 instalments, just like with larger orders. This is especially true in the travel industry, where nearly 70% of our customers use it.

  • c Maxime Gainnier, SFR
    Maxime Gainnier Marketing Manager SFR
    “Very smooth sales journey”

    One advantage of Floa Pay is the quality of the Floa journey, which provides a streamlined sales journey. This is crucial for guaranteeing the best possible customer experience, all without changing the overall sales journey.

  • Frédéric Pilloud Picture
    Frédéric Pilloud Director of E-commerce Mister Fly
    “40% of our customers choose to pay in 3 or 4 instalments”

    Nearly 40% of our customers choose to pay for their purchases with CB4X in 3 to 4 instalments, and on some marketplaces, it’s as high as 75%. It really drives up the conversion rate.

  • Grégory Sion picture
    Grégory Sion Senior Vice President, digital, sales & innovation Pierre & Vacances
    “Offer our customers an alternative”

    We implemented the CB4X payment in instalments to meet our customers’ expectations (flexible budgets, possibility to spread out payments) and to offer our customers an alternative in case the amount exceeds their bank card limit.

  • Arnof Haddouk picture
    Arnof Haddouk CEO Velobecane
    “Quick and easy”

    We already used the payment in 4 instalments, so implementing Pay in 10 was quick and easy. Thanks to Pay in 10, we have been able to reach a broader client base, and in particular younger consumers.

  • Joan Burkovic picture
    Joan Burkoic CEO and Co-founder Bankin'
    “An exceptional experience”

    In collaboration with Floa , we are able to make taking out credit an exceptional experience.

Floa Pay products

Our solution

Effective products and personalised support.

Wherever you need us!

Mockup Floa
  • E-commerce site

    Choice of payment solution and immediate approval in principle.

  • Brick-and-mortar shop

    Your customers can pay in instalments in store.

  • Call center

    Payment solutions are also available remotely for your call centres.

  • International

    A single split payment solution for all your European markets (France, Belgium, Spain, Germany, and more)

Choose FLOA

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Leading the way in split payment solutions1

With more than four million customers, choosing Floa is the best choice to strengthen ties with our customers.

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Our UX expertise

Simplified journeys for you and your customers; we have the awards to prove it: UX Awards5, CX Awards6.

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Our customer relations expertise

Proximity and simplicity: For the 2nd consecutive year, Floa was elected Customer Service of the Year 20247 in the “Payment Solutions” category.

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Our innovations

Partner to the best fintech companies, creator of innovations like the mini-loan, 100% digital management.

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Our international solution

We come to you: France, Belgium, Spain, Portugal, Italy and soon Germany, the Netherlands, Poland, and more...

Our news

  • Latest news about FLOA Pay
    03 mars 2022 Europeans have fully embraced Buy Now Pay Later

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We are Floa

Are you ready?

Click here and take less than a minute to find out about who we are, our solutions and their impact on your sales!

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Want to try the Floa solution?

Ask for a demo simulation of a payment in instalments on the interface of a real e-commerce site!

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