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What is FLOA?

Subsidiary of BNP Paribas Group and French leader in Buy Now Pay Later solutions, FLOA simplifies payment for consumers and (online) merchants. FLOA’s solutions for payment in 3 or 4 instalments and Pay Later are developed with and for merchants and are set apart by their reliability and ease-of-use. As a pioneer in the sector with over 20 years’ experience, our expertise ensures a maximum level of security for all transactions.

With its increasingly simple and more transparent customer experience, personalised support for consumers and merchants and excellent customer relations, FLOA already provides satisfaction to more than 4 million individual customers in Europe and to over 10,000 online merchant partners and points of sale. By drawing on its Fintech* DNA and the financial robustness of the BNP Paribas group, FLOA aims to become a key player in the Buy Now Pay Later market in Europe.

What is Buy Now Pay Later?

The concept is simple: instead of paying in full for your item on the day of purchase, you spread the cost over several payments. This can be done either via Pay Later (payment of total amount within one month) or by payment in three or four monthly instalments. Every month, on the same date, the amount corresponding to the payment schedule is debited from your bank account via your bank card.


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