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Published on 20/09/2023

FLOA : a key player in split payment solutions in Portugal

Our Kantar1 study shows that Portuguese people appreciate having access to Buy Now Pay Later solutions (payments in instalments and Pay Later). And so, in an ever more digital world, we provide you with the opportunity to grow your business, thanks to our solutions. FLOA has a simple concept for your customers’ payments: making purchases a pleasure and not a constraint.  


The leader in instalment payments in France, we are expanding our team in Portugal to support you, online merchants, in your development. 

Portuguese people appreciate having access to Buy Now Pay Later solutions Portuguese people appreciate having access to Buy Now Pay Later solutions

European consumer habits

Online commerce is now firmly anchored in our habits. No fewer than three quarters of Europeans make at least one purchase every month online, according to the Kantar1 study carried out in November 2021 for FLOA. Twenty percent of them even make several online purchases every week.

For these internet users, the act of payment is a major issue in their purchasing journey, and numerous irritants can ruin it:

● requesting personal data;
● refusing a means of payment;
● excessive waiting times at the time of payment;
● refusing a payment solution;
● downloading an app to finalise payment;
● needing to fill out a form.
Customers expect simplicity and diversity in their means of payment. 60% of Europeans are prepared to change stores to benefit from a certain split payment solution.

At FLOA, we offer payment in instalments and split payment solutions to make life easier for customers and merchants. Our goal is to respond to Europeans’ new purchasing habits, and notably those of Portuguese people.

European consumer habits

FLOA meets the expectations of the Portuguese

Portuguese people are no exception to the rule. 85% of them make at least one online purchase every month. And 15% of them do so several times a week. Enthusiastic users of bank cards, the Portuguese are also keen on paying in instalments. Portugal is also the leading European country in using split payments, and the third ranking European country in terms of using Buy Now Pay Later solutions1.

Our simple and quick split payment solutions are perfectly suited to Portuguese consumer habits. And thanks to the support of BNP Paribas, the leading bank in the euro zone, we are able to develop our offerings throughout Europe.

This is why we want to expand our presence in Portugal. We know that our expertise meets a real expectation among Portuguese people, in terms of payment in instalments solutions.

FLOA meets the expectations of the Portuguese

FLOA is expanding its presence in Portugal

Already partners with numerous businesses in Portugal, including Maniak Fitness, Yokono and Buffet Crampon, our goal is to expand our customer base by providing a local offering.

And to achieve this, we’re building a team dedicated to Portugal, with the arrival of our country manager, Alexandre CARRERA LEJEUNE.

His goal is to develop the BNPL (Buy Now Pay Later)2 offering in Portugal. His experience at major groups (L’Oréal, BPCE Groupe), and his entrepreneurial experience in the United States provide him with the right skills for implementing this project. Alexandre focuses on digital transformation, international business development3 and marketing.

Thanks to our new team, we will be able to develop our presence in Portugal.

FLOA is expanding its presence in Portugal

FLOA, the French leader in Buy Now Pay Later solutions

Our position as leader in France allows us to have recognised expertise in split payment solutions. Currently we are supporting numerous companies with developing their businesses3. FLOA is your partner for growth.

That is why we provide our services to Portuguese online merchants who want to increase their sales. Our solution is simple and completely secure:

● total guarantee against fraud and non-payments, which we take care of entirely;
● 3D Secure system;
● solution available 24 hours a day;
● total financing of orders within 48 hours;
● access to all currencies.

Our tool allows you to increase your conversion rates. And also, getting started is quick and simple!

And for your customers? You respond to their high expectations with the split payment solution they need when making their purchases. For them, this means:

● immediate agreement;
● no forms to fill in with the FLOA X3 and FLOA X4 solutions;
●automatic refunds in case of cancelled orders.

FLOA, the French leader in Buy Now Pay Later solutions

To sum up

In short, online shopping is becoming more and more common. In this context, Portuguese consumers expect to have access to the split payment solutions that FLOA can offer. To facilitate access to split payment solutions, we are building a dedicated team for Portugal.

40% of Portuguese opt for payments in instalments and Buy Now Pay Later solutions. And these solutions can help you increase your sales by meeting these new requirements.

And what if FLOA made paying simple?

Request a demo

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

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Welcome to the FLOA blog!

Welcome to our blog! 

This blog has been designed to support you on a daily basis. We analyse payment trends, share best practices from all our partners, and inspire you with amazing projects! All this at FLOA!

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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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