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Payment in instalments

What if payment was simple with a French leader. Buy now pay later means Homepage
Floa Pay Buy Now Pay Later
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FLOA is a full subsidiary of BNP Paribas, the EU’s no. 1 bank.

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Double your basket

Easier 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 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!

  • E-commerce site

    Select from a wide range of payment options and get an answer instantly.

  • 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, Italy and Portugal).

Choose FLOA


Leading the way in Buy Now Pay Later solutions

With over 4 million customers, FLOA is the best choice to strengthen ties with our customers.


Our UX expertise

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


Our customer relations expertise

Proximity and simplicity: Voted Customer Service Provider of the Year 2024 in the Payment Solutions category for the second consecutive year.


Our innovations

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


Our international solution

We go where you are: France, Belgium, Spain, Portugal, Italy and soon Germany, the Netherlands, Poland, and more.

We are FLOA

You're in a rush ?

To find out in less than a minute who we are, our solutions and their impact on your sales, it's here !


Request a demo

Would you like to try the FLOA offering? Contact our teams for a live demo of our service!

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