FLOA

What FLOA does

FLOA is a French Buy Now Pay Later (BNPL) provider and a wholly-owned subsidiary of BNP Paribas, the EU's largest bank by net banking income. Founded in 2015 and headquartered in Bordeaux, the company offers installment payment solutions (3X, 4X, 10X, 12X) and a 30-day deferred payment (Pay Later) to merchants and their customers across France, Belgium, Spain, Italy, Portugal, and Germany, with planned expansion to the Netherlands, Luxembourg, and Poland. As of 2024, FLOA financed €2.9 billion of production volume, served over 4 million customers, and operated through 15,000+ merchant partners and points of sale, claiming 1 in 3 split payments in France.

FLOA's technology platform is built on Microsoft Azure with a Snowflake data cloud and Tableau analytics, supported by Dataiku for predictive modeling, Talend for data integration, Neo4J for graph-based fraud detection, and Linkurious for fraud network visualization. The proprietary pre-scoring system delivers a near 100% acceptance rate by predicting customer eligibility before checkout, while fraud is managed through ThreatMetrix/LexisNexis for digital identity and Pindrop for voice biometrics. In June 2025, FLOA launched Eva, a conversational AI agent that handles approximately 300,000 customer calls per year with 95% autonomy in four European languages. The platform processes over 60,000 payments per hour during peak periods such as Black Friday and integrates with major PSPs (Worldline, Verifone, Market Pay, Axepta), CMS platforms (Shopify, PrestaShop, WooCommerce, Adobe Commerce), and payment orchestrators.

FLOA earns revenue primarily through transaction-based merchant fees on each BNPL transaction, with additional revenue from customer installment fees and interest on the underlying credit facilities. FLOA assumes the credit risk and guarantees full payment to merchants even in cases of default, leveraging BNP Paribas balance sheet capacity. The company serves merchants ranging from SMBs to large enterprises across verticals including travel, retail, telecommunications, mobility, fashion, and home goods, distributed through enterprise field sales, channel partners (PSPs, CMS platforms, payment orchestrators), and a self-serve merchant portal. Customer acquisition on the consumer side occurs primarily at the merchant checkout, with FLOA Pre-Score determining eligibility display in real-time.

Name

FLOA

Legal name

FLOA (Société Anonyme)

Website

https://floapay.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

51–100 employees

Short description

FLOA is a French Buy Now Pay Later provider and wholly-owned subsidiary of BNP Paribas, offering installment (3X-12X) and 30-day deferred payment solutions to merchants and consumers across Europe, with €2.9 billion in 2024 production volume and 4+ million customers.

Ownership category

akta.pro rank

Product category

Buy Now Pay Later (BNPL) / Consumer Lending

NAICS

Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA)

akta.pro secondary industries

Omnichannel POS Financing (Unified Online + In-Store) (FSAKAFAE), BNPL for High-Ticket / Longer-Term Installments (FSAKACAN), In-Store / In-Person BNPL (POS) (FSAKACAB)

Keywords

• Buy Now Pay Later
• Instalment payments
• Consumer credit
• Merchant lending
• BNPL platform

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Transaction-based BNPL Fees: FLOA charges transaction fees to merchants for each BNPL transaction processed. The company also charges extra fees to customers for split payment options (3X, 4X, 10X, 12X), which can be passed to merchants or paid by customers. Full payment is guaranteed to merchants even in cases of defaulted payments, with FLOA assuming the credit risk.
2. Credit Financing: FLOA provides amortizable loans ranging from €50 to €6,000 for 3X/4X payments and €200 to €3,000 for 10X/12X payments. The company earns interest/fees on these credit facilities. As a wholly-owned subsidiary of BNP Paribas, the company has access to capital for lending operations.
3. Deferred Payment (Pay Later): FLOA Pay Later enables customers to pay in full 30 days after purchase, with FLOA earning fees on the deferred payment period.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels8 records

Core offering

FLOA provides Buy Now Pay Later (BNPL) payment solutions that allow merchants to offer customers split payment options on purchases ranging from €50 to €6,000, including 3-instalment, 4-instalment, 10-instalment, 12-instalment, and 30-day Pay Later deferred payment products. The company earns transaction fees from merchants and interest income on the underlying consumer credit, while guaranteeing merchants full payment regardless of customer default. FLOA also offers merchant onboarding tools, a self-serve merchant portal, and a consumer selfcare portal.

Product overview

FLOA is a Buy Now Pay Later (BNPL) payment solutions provider and a wholly-owned subsidiary of BNP Paribas. The company offers a unified platform centered on FLOA Pay, which includes multiple instalment payment products: FLOA 3X and FLOA 4X (core short-term offerings from €50 to €6,000), FLOA 10X and FLOA 12X (extended financing from €200 to €3,000), and FLOA Pay Later (30-day deferred payment). The platform provides merchant-facing tools including the FLOA Merchant Portal for order management and the FLOA Pre-Score system for customer eligibility determination. Additional offerings include mini-credits and industry-specific solutions like the FLOA Travel Offering for tourism partners. The ecosystem integrates with major PSPs (Axepta, Worldline, Verifone, Market Pay), CMS platforms (Shopify, Adobe Commerce, PrestaShop, WooCommerce), payment orchestrators (Lendismart, ProcessOut, Nemuru), and POS solutions, processing over 60,000 payments per hour on peak days.

Differentiator

Problem solved

Functional benefit

Products and services

• FLOA Pay FLOA's flagship Buy Now Pay Later solution enabling merchants to offer customers payment in 3, 4, 10, or 12 instalments, with immediate approval-in-principle and guaranteed full payment to merchants.
• FLOA 3X Payment solution allowing customers to split purchases into 3 equal monthly instalments, ranging from €50 to €6,000, with the first payment processed on the day of order confirmation.
• FLOA 4X Payment solution allowing customers to split purchases into 4 equal monthly instalments, ranging from €50 to €6,000, with payments at day 0, 30, 60, and 90.
• FLOA 10X Payment solution allowing customers to pay in 10 instalments, ranging from €200 to €3,000, with extended financing terms.
• FLOA 12X Payment solution allowing customers to pay in 12 instalments, ranging from €200 to €3,000, with extended financing terms.
• FLOA Pay Later Deferred payment solution enabling customers to pay in full 30 days after purchase confirmation, with a pending charge applied on the purchase day to validate the bank card.
• FLOA Merchant Portal A dedicated self-serve portal for merchants to manage orders, simulate payment schedules, process cancellations, access financing logs, and monitor business performance through dashboards.
• FLOA Mini-Credit Mini-loan product offering 100% digital management for small credit needs, complementing the instalment payment solutions.
• FLOA Travel Offering Specialized Buy Now Pay Later solution tailored for the tourism and travel industry, with high-acceptance scoring, fraud management, and financing available regardless of departure date.
• Eva Conversational AI Next-generation conversational AI chatbot with natural language understanding and continuous learning capabilities, handling 300,000 customer calls per year with 95% autonomy and 24/7 multilingual support.

Quantifiable outcome

• Average basket increases by 25%
• +8 more outcomes

Named customers28 records

Segments8 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration17 records

AI capability7 records

Feature6 records

Partnerships

28 partnerships are on record, tiered flagship, core and minor.

• UATPflagshipTechnology or Integration · 9 October 2024UATP is a payment platform dedicated to the travel industry, particularly airlines. The partnership enables UATP-affiliated merchants to offer FLOA's BNPL solutions to their customers, providing greater payment flexibility valued in travel and retail sectors. This partnership strengthens FLOA's position in the travel vertical.
• PPROcoreTechnology or IntegrationPPRO is a payment aggregator providing access to a wide range of local and international payment solutions. FLOA is included in PPRO's Buy Now Pay Local solution, giving merchants and PSPs access to locally preferred BNPL providers across European markets including France, Belgium, Spain, Germany, and more.
• ShopifycoreTechnology or IntegrationShopify is a SaaS e-commerce platform enabling individuals and businesses to create and run online stores. FLOA has native integration with Shopify through pre-built modules for quick merchant activation.
• Adobe Commerce (Magento)coreTechnology or IntegrationAdobe Commerce (formerly Magento) is a major international CMS using AI and advanced data sharing for commerce experiences. FLOA integrates with this platform for enterprise merchants.
• PrestaShopcoreTechnology or IntegrationPrestaShop is a leading CMS in Europe and Latin America with a fully customizable e-commerce platform. More than 300,000 merchants use PrestaShop. FLOA has strategic partnership for integrated solutions.
• WooCommercecoreTechnology or IntegrationWooCommerce is an e-commerce CMS built on WordPress, commonly used to add e-commerce functionality to existing WordPress websites. FLOA offers integration for WooCommerce merchants.
• Axepta (BNP Paribas)coreTechnology or IntegrationAxepta is the PSP established by BNP Paribas for online merchants. This versatile solution is ideal for startups or businesses with higher transaction volumes. As a BNP Paribas subsidiary, FLOA has natural integration with Axepta.
• WorldlinecoreTechnology or IntegrationWorldline is a PSP and world leader in securing payments and transactions. Enables quick, simple, and secure payment acceptance. FLOA integrates with Worldline for merchant payments.
• VerifonecoreTechnology or IntegrationVerifone is an American PSP, world leader in omnichannel payment. Allows acceptance of any card payment, in-store or online, securely and anywhere in the world.
• Market PaycoreTechnology or IntegrationMarket Pay is a French PSP expert in omnichannel payment solutions for retailers and e-merchants. Provides complete management of in-store and online transactions.
• Microsoft AzurecoreTechnology or IntegrationMicrosoft Azure is a global cloud platform for managing all IT operations. FLOA uses Azure as the cornerstone of its information system for innovation, security, flexibility, and scalability. Snowflake runs on Azure for FLOA's data cloud.
• ContentsquarecoreTechnology or IntegrationContentsquare is a customer experience analytics tool helping understand user behavior on websites and mobile apps. FLOA uses Contentsquare to identify opportunities to improve UX and detect major points of friction.
• ThreatMetrix (LexisNexis)coreTechnology or IntegrationThreatMetrix is a solution offered by LexisNexis to help companies manage authentication processes by providing information on digital identity. Draws on data from billions of transactions to help FLOA detect fraud.
• PindropcoreTechnology or IntegrationPindrop is a leader in online security providing customer authentication services and fraud prevention using voice biometrics and machine learning. Secures transactions on smartphones and via call centers for FLOA.
• SnowflakecoreTechnology or IntegrationSnowflake developed the first SaaS Data Cloud platform. FLOA has used Snowflake since 2019 for all data needs: Data Science, Data Analytics, Data Visualization, Data Sharing, etc. Runs on Azure.
• Tableau (Salesforce)coreTechnology or IntegrationTableau is FLOA's chosen Data Visualization tool. One of the global market leaders (acquired by Salesforce). FLOA uses Tableau for internal reporting, analyses, self-BI, and sharing data with partners.
• DataikucoreTechnology or IntegrationFLOA uses Dataiku to create predictive models for credit scores, fraud detection, customer segmentation, and marketing scores. Generates website journey scores in real-time and retrospective models automatically.
• TalendcoreTechnology or IntegrationTalend specializes in data integration. FLOA uses Talend Data Fabric in the Cloud to retrieve data and send it to the Data platform. Also used for automatic data processing and business purposes.
• Neo4JcoreTechnology or IntegrationNeo4J is the market's leading graph database solution. Improves performance of processes like recommendation engines and fraud detection where connections between data must be identified and analyzed quickly.
• LinkuriouscoreTechnology or IntegrationLinkurious is a French company enabling visualization of complex data from Neo4J graph databases. Provides instant visualizations of potential fraud networks and monitors cybersecurity policy for FLOA.
• DataGalaxycoreTechnology or IntegrationDataGalaxy is a Data Governance solution providing a Data Catalogue to reference all databases and data processes. FLOA uses DataGalaxy to document and govern data assets.
• AccessiwaycoreTechnology or IntegrationAccessiway is a digital accessibility specialist. FLOA collaborates with Accessiway on redesign of all websites to incorporate digital accessibility standards (WCAG, RGAA) inherently into web developments.
• France FintechminorStrategic or Co-development PartnerA leading non-profit association promoting excellence of French fintechs nationally and internationally. FLOA team members actively participate in key events like FinTech R:Evolution and networking evenings.
• Finance InnovationminorStrategic or Co-development PartnerWorld's first competitiveness cluster dedicated to financial innovation since 2007. Supports digital transformation of financial sector. Provides FLOA access to network of excellence, visibility at BankTech Day, and collaborative European projects.
• French Tech BordeauxminorStrategic or Co-development PartnerDesignated French Tech Capital for 2023-2025. Unites over 850 tech companies in Nouvelle-Aquitaine region. Key events include French Tech Day and French Tech Night.
• MercatelminorStrategic or Co-development PartnerDigital payment think tank founded in 1986. Helps identify emerging trends and adapt FLOA solutions. Collaborative working groups generate standards shaping future of digital transactions.
• FEVADminorStrategic or Co-development PartnerFédération du E-commerce et de la Vente à Distance. Provides sector studies and valuable resources for adapting payment solutions to market challenges.
• ACSELminorStrategic or Co-development PartnerDigital economy association providing thematic clubs and networking events for French e-commerce decision-makers.

Scale indicators17 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Scalapay: Italy-founded BNPL provider expanding across Europe (France, Italy, Spain, Portugal, Belgium, Finland, Austria, Germany). Directly competes with FLOA in merchant-integrated installment payments at checkout, often listed alongside FLOA in payment orchestrator catalogs such as PPRO's Buy Now Pay Local.
• Alma: French-headquartered BNPL platform offering Pay in 3 and Pay in 4 for online and in-store merchants. Direct French competitor to FLOA with similar merchant-integrated checkout model and growing European footprint.
• Oney: French BNPL and consumer credit provider owned by Auchan Holding. Offers split payments, credit cards, and financing products across Europe. Competes head-to-head with FLOA in French omnichannel BNPL and shares similar retail-anchored distribution roots.
• Klarna: Global BNPL leader operating Pay in 3, Pay in 4, and longer-term financing across 26+ countries including France. While broader in geography and product scope, Klarna is the principal scaled BNPL rival FLOA faces in the European merchant market.

Broad incumbents

• Cofidis: Large French consumer credit institution affiliated with Crédit Mutuel. Offers personal loans, revolving credit, and installment solutions. Overlaps with FLOA's higher-ticket 10X/12X products and represents the established bank-credit alternative FLOA competes against in France.
• Affirm: US-listed BNPL provider offering Pay in 4, monthly financing, and longer-term installment loans. While primarily US-focused, Affirm has expanded into select European markets and competes with FLOA for global merchants requiring multi-region BNPL coverage.
• Afterpay (Block): Pay-in-4 BNPL pioneer now owned by Block (Square). Operates globally with strong merchant network. Less concentrated in Europe than FLOA but competes for the same merchant relationships in cross-border retail and travel.
• PayPal Pay in 4: PayPal's built-in Pay-in-4 BNPL feature offered to its global merchant base. Overlaps with FLOA at online checkout and competes on default visibility for merchants already using PayPal as a primary PSP.

Emerging players

• Zilch: UK-based BNPL provider offering Pay in 3 and Pay in Anywhere features. Comparable product structure to FLOA but focused primarily on the UK market, making it a regional rather than direct France competitor.
• Splitit: Card-based installment payment platform that splits purchases on existing consumer credit cards. Operates with a different funding model than FLOA (no new credit origination) but addresses the same merchant pain points around basket size and conversion.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xtwitter.com/FLOABank
• YouTubeyoutube.com/channel/UCX4RRQEDQerNZJWWVEYMZqw
• Facebookfacebook.com/floabank
• LinkedInlinkedin.com/company/banque-casino

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FLOA