Payment & Fintech

Company Profile

About FLOA

French leader in “buy now pay later”, FLOA makes life easier for more than 4 million customers through split and deferred payments, mini credits, and financial services.

Developed WITH and FOR merchants, FLOA Pay solutions are designed to make payment in installments as simple and quick as possible, whether online (on a website or a marketplace), at point of sale, or in call centers.

Full subsidiary of BNP Paribas Group FLOA offers robust, omnichannel and ultra-secure payment solutions that are well integrated into the customer journey for a seamless customer experience. FLOA is proud to accompany famous (e)-merchants, major players in tourism and FinTech partners.

In addition, with her customer-centric approach, FLOA was rewarded “Best customer service” in 2021, 2022 and 2023.


Products & solutions:

FLOA 3X FLOA 4X (Payment in 3 or 4 instalments),

FLOA Pay later

Available for CMS, marketplaces, websites and mobile, apps, and within several PSP.


News & innovation:

In line with the evolution of uses and consumption patterns, FLOA is continuously developing its solutions to meet customers’ expectations and merchants’ stakes: Payment in installments, loans, on-boarded insurances for product durability, mobility, travel, etc.

In 2022, FLOA joined BNP Paribas. With the support of the leading European banking group, FLOA confirms and strengthens its ambition to become the European leader in payment in instalments.

Already launched in France, Spain, Belgium, Italy, and Portugal, FLOA is continuing its international development and plans to open 10 new countries by 2025.