Alma is a service company specialising in instalment payments. Founded in 2018, Alma has established itself as the French leader
in instalment payments, breaking with traditional banking models to offer a simple, transparent and truly useful solution to the
23,000 retailers it supports – including players such as La Redoute, SNCF and Maisons du Monde. It stands out for its strong
ethical commitment: no late fees are charged to consumers. By allowing them to pay for their purchases in instalments with no
hidden fees, Alma particularly encourages upselling, especially in sectors where quality takes precedence over purchase
frequency. The company holds two banking licences and is supervised by the ACPR (Banque de France) under number 90786.
Alma also has an international presence, with more than 9 million consumers in 10 countries since its creation, including Belgium,
Spain, Germany and Italy. With a transaction volume of €2.5 billion in 2025, its model is based entirely on transactional
remuneration, with no fixed or set-up fees, thus guaranteeing an accessible offer that is aligned with merchants' performance.
More information: almapay.com