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Published on 28/04/2025
Buy Now Pay Later: A business booster
BNPL | A new payment standard in Europe
The advantages for B2B companies
The BNPL2 revolution is reshaping commercial relationships between businesses. Buy Now Pay Later solutions give B2B players access to new market segments, particularly SMEs looking to invest in their growth.
By integrating Buy Now Pay Later, companies can strengthen customer relationships through a seamless, digital purchasing experience. Businesses benefit from improved cash flow thanks to upfront payments, while their clients enjoy flexible payment schedules tailored to their budget.
The B2B BNPL2 market is projected to reach $180 billion by 20254, with an annual growth rate of 25%4 in Europe. This represents a strategic opportunity for companies looking to modernise their payment solutions and fast-track their commercial development.
Real-world applications across key sectors
As highlighted in our CEO’s recent interview, BNPL2 is quickly becoming a must-have solution across a range of strategic sectors:
- The technology sector particularly benefits from Buy Now Pay Later solutions, making it easier to acquire high-cost equipment through staggered payments.
- The travel industry is emerging as another key vertical, enabling consumers to plan their holidays and tourism services more easily.
- Wellness and healthcare services are widely embracing BNPL2, giving people better access to care and premium subscriptions.
- Home appliances and durable consumer goods are seeing a boost in sales thanks to this payment solution.
- Notably, the second-hand market is experiencing strong growth, as BNPL2 makes refurbished and pre-owned products more accessible—addressing the growing demand for responsible consumption.
Technology serving businesses
Innovative payment solutions
Floa's technological expertise is revolutionising the purchasing experience in 2025. Our team of 90 data scientists develops next-generation scoring algorithms, ensuring secure transactions in just a few seconds at points of sale.
The flagship innovation, "Buy Now Pay Whenever", is compatible with existing credit cards and allows payments to be spread before, during or after the purchase.
Customisable payment options over various time periods are transforming e-commerce into a fast, secure experience.
Seamless integration for merchant websites
Floa’s BNPL2 solutions are smoothly integrated on merchant websites, as highlighted by José Saloio in his interview. The technical teams assist each partner to ensure optimised implementation, whether for e-commerce or physical stores.
This easy integration enables merchants to quickly offer split payment solutions to their customers. Floa also stands out for its user-centred approach, providing total transparency of costs and an intuitive interface. Merchants thus benefit from a complete acquisition solution that adapts to their sector-specific needs while ensuring maximum transaction security.
Floa | Driving European expansion
Growth in the European retail sector
Floa is accelerating its growth in the European retail sector, fuelled by promising results. According to the latest 2024 Kantar study, 68%3 of Europeans now use split or deferred payment solutions, confirming the maturity of the market. France is one of the most advanced countries in this area, with 70%3 of users, 44%3 of whom use these options regularly. In his interview with Fintech Club, José Saloio outlines Floa’s expansion strategy, which focuses on Southern Europe (Spain, Portugal, Italy) and Northern Europe (Belgium, Germany, the Netherlands). This approach is backed by cutting-edge scoring and fraud detection technology, allowing Floa to offer a 24/7 service tailored to the unique characteristics of each market.
Strategic partnerships
- Media World Mediamarkt, a key partner in Italy to strengthen Floa’s presence in the Italian market.
- The collaboration with Iberia in Spain is developing payment in instalment solutions in the airline sector.
- Partnerships with Lydia and Bankin’ are accelerating the digital transformation of payment services in France.
- A major agreement with Radio Popular in Portugal marks a strategic market entry.
- The alliance with UATP enhances the split payment offering in the European business travel sector.
BNPL outlook for 2025
José Saloio expresses strong confidence in the growth of the BNPL2 market in 2025, driven by three key pillars:
- Technological innovation: Floa continues to invest heavily in tech solutions that make the payment process simpler, faster and more secure, in line with growing consumer expectations.
- Geographical expansion: Floa’s international rollout will continue, especially across Southern and Northern Europe, building on the success of its French model and homegrown expertise.
- Social responsibility: Floa is committed to advancing sustainable, transparent practices that meet consumers' ethical expectations while ensuring compliance with changing sector regulations.
In an increasingly competitive BNPL2 landscape, Floa stands out through its blend of technological innovation and strategic partnerships. The company is ideally positioned to help reshape consumer spending habits and support the growth of European businesses in their expansion efforts.
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