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Published on 07/04/2025
Secure payment solutions | The online merchants’ ally for a smooth customer journey
Digital Payment in 2025 | What your customers really want
Online payments have evolved significantly in recent years, becoming an essential strategic lever for online merchants. According to a recent study conducted among 500 French consumers and 150 e-retailers, today 97% of French people feel that it is easy to pay online(1).
Consumer have clearly ranked their priorities: security comes first (71% of buyers), followed by the range of payment methods on offer (43%) and lastly, the smoothness of the user journey (43%)(1). These expectations now shape the development strategies of merchant sites.
On average, French people use 2.6 different payment methods for their online purchases(1). While bank cards remain dominant (preferred by 79% of buyers)(1), we are seeing a rise in wallets such as Apple Pay, Google Pay and Samsung Pay and payment in instalments (BNPL or Buy Now Pay Later), particularly in times of inflation.
Some differences are emerging: the tourism industry clearly favours payment in instalments, while retail and digital services prefer wallets and gift cards.
To effectively meet these new trends and expectations, online merchants must surround themselves with reliable partners who are experts in the field of secure payment. This is precisely where Lyra and its innovative solutions come in.
Lyra Technology | The Perfect Combination of Protection and Customer Experience
Lyra is now establishing itself as a major player in the secure payment solutions sector. A part of the payment ecosystem for many years, this specialist provider supports more than 60,000 French companies with the management of their online financial transactions.
Lyra's expertise is based on a comprehensive range of services and technologies that enable online merchants to process their payments reliably and securely. Its omnichannel approach perfectly meets the current challenges of purchasing journeys, with solutions adapted to both e-commerce and physical points of sale.
Among its strengths, Lyra stands out for providing enhanced fraud protection, thus guaranteeing peace of mind for merchants and their customers. Its payment system is embedded into e-commerce sites and offers a smooth payment process designed to boost conversions.
In response to growing consumer expectations, Lyra ensures a seamless customer experience while maintaining the highest security standards across all payment processes. But beyond the simple technical infrastructure, what concrete benefits can online merchants expect by adopting split payment solutions?
BNPL | A performance accelerator for e-commerce
One of the most significant benefits of BNP is the increase in the average basket. “Paying in instalments is a must-have that is highly appreciated by our customers, whose average basket is around €500. To date, 15% of purchases are paid for in instalments. Thanks to this, we have increased the average basket on the Bultex website by 20%, compared to when payments were made by card or PayPal,(1)” says Sonia Nivôse, from the Cofel Group. This trend is confirmed by many merchants, with some average baskets doubling in size.
The impact on the conversion rate is equally remarkable. When the price barrier is removed, hesitant customers take the plunge. BNPL also promotes the acquisition of new customers and their loyalty. Nearly 90% of customers who use it to make purchases from a brand are incentivised to return to the website(1). Lastly, these adapted solutions mean that payment is 100% guaranteed for the merchant, eliminating the risk of non-payment.
Floa-Lyra Partnership | Simplifying the integration of split payments
To maximise these benefits while minimising technical and financial constraints, the strategic partnership between Floa and Lyra provides online merchants with access to a particularly effective turnkey payment solution. At Floa, we offer a wide range of financing solutions adapted to a all requirements, from split payments in 3 or 4 instalments(2) up to 10 instalments(3) .
Our partnership with Lyra creates a perfect synergy between our complementary expertise in payment solutions; on one hand, and optimised security and customer journeys on the other. This alliance allows online merchants to easily integrate our solutions and monitor all of their payments.
What sets our joint offering apart is the personalised support we provide. Our fraud, finance, and risk experts work hand-in-hand with Lyra's teams to optimise your performance and develop effective marketing strategies and co-branded campaigns.
Securing credit card payments remains our top priority: we cover the risk of non-payment, thus guaranteeing total peace of mind for merchants.
2025 and beyond | Preparing your e-commerce business tomorrow’s payment world
Payments are evolving at an increasing pace with the continued expansion of BNPL and the rise of wallets, which should increase equipment rates by 36 points in 2025. These solutions meet new consumer expectations in terms of simplicity, security and financial flexibility.
To remain competitive, websites must adapt to these new uses and offer an optimised shopping experience. Contact Floa today to find out how to boost your sales with a personalised demonstration.
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