FLOA
FLOA is the BNP Paribas-owned French fintech that provides BNPL installment payments, mini-loans, cashback credit cards, revolving credit, and insurance to 4+ million consumers and 15,000+ merchants across France, Spain, Italy, Portugal, and Belgium.
- Company typePrivate
- Founded2001
- HeadquartersBordeaux, France
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
What FLOA does
FLOA is a French fintech, wholly-owned subsidiary of BNP Paribas, that provides consumer credit and payment-facility products (BNPL installments of 3X, 4X, and 10X+), mini-loans, co-branded cashback credit cards (Casino, Gold, Cdiscount), revolving credit, and tailored insurance products (borrower, school, household) to over 4 million consumers across France, Spain, Italy, Portugal, and Belgium. The company originated in 2001 as Banque Casino at the initiative of the Casino Group and rebranded to FLOA in 2018; it has been a 100% subsidiary of BNP Paribas since 2022. Operations run from a Bordeaux headquarters with additional French offices in Levallois-Perret, Chauray, and Saint-Étienne, and international offices in Brussels, Madrid, Milan, and Lisbon. FLOA is supervised by the ACPR and registered with ORIAS (07 028 160) under a banking license with €72,297,200 in registered share capital.
FLOA operates two customer-facing brands: FLOA Bank for consumers (digital onboarding, mini-prêts with 24-hour express funding, cashback cards, revolving credit, insurance) and FLOA Pay for merchants (white-label and branded installment payment solutions). Its technology stack is cloud-native on Azure, with Snowflake for data warehousing, Talend for ETL, Dataiku for ML model lifecycle, Tableau for visualization, Neo4j for graph analytics, and Spark/Kubernetes for data processing. A 40-person data team supports credit scoring, fraud detection (Threat Metrix, Pindrop), and AI-powered chatbots that handle 4+ million customer contacts per year. The Credit Line API exposes BNPL and credit capabilities programmatically for merchants, PSPs (Worldline, Ingenico, Monext), and fintech aggregators (Joko, Bankin', Lydia), with native plug-ins for Shopify, PrestaShop, Magento, and WooCommerce.
FLOA generates revenue through four streams: interest income on revolving credit and installment loans, transaction fees on BNPL payments at merchant checkouts, interchange on co-branded Mastercard cards, and insurance premiums. Pricing is not publicly disclosed; APR and merchant take rates are determined per application. The company serves a highly fragmented customer base — 15,000-20,000 merchant partners across e-commerce (Cdiscount, Veepee Voyage, Samsung), retail (Bricomarché, Galeries Lafayette, Sport 2000), telecom (SFR), travel (Iberia, Selectour, Misterfly, Fram), and auto parts (Oscaro) — alongside 4+ million consumer customers, providing strong revenue diversification but creating a structural dependency on BNP Paribas for capital, regulatory cover, and treasury.
FLOA firmographics
Firmographics- Name
- FLOA
- Legal name
- Floa
- Website
- https://floa.com
- Company type
- Private
- Founded year
- 2001
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- FLOA is the BNP Paribas-owned French fintech that provides BNPL installment payments, mini-loans, cashback credit cards, revolving credit, and insurance to 4+ million consumers and 15,000+ merchants across France, Spain, Italy, Portugal, and Belgium.
- Ownership category
- akta.pro rank
FLOA industry classification
Industry- Product category
- Consumer Finance (BNPL & Installment Payments)
- NAICS
- Sales Financing (52222), Credit Card Issuing (52221)
- SIC
- Personal Credit Institutions (6141), National Commercial Banks (6021)
- akta.pro primary industry
- Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA)
- akta.pro secondary industries
- BNPL for High-Ticket / Longer-Term Installments (FSAKACAN), Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG), BNPL Underwriting & Credit Decisioning Platforms (FSAGAIAD)
Keywords
Where FLOA is headquartered
LocationHeadquarters
- HQ city
- Bordeaux
- HQ country
- France
- HQ region
- Europe
Offices8 records
Markets served
FLOA business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Payment Facilitation & Transaction Fees: Floa earns transaction fees and take rates on each installment payment processed through its merchant partner network. Merchants pay a percentage or fixed fee per transaction when customers choose Floa's split-payment options at checkout.
- Consumer Credit (Revolving & Installment): Floa generates interest income from revolving credit facilities, installment loans, and mini-prêts extended to consumers. Interest accrues on outstanding balances and is the primary revenue driver for the consumer-facing business.
- Cashback Card Programs: Floa issues co-branded credit cards (Cdiscount, Casino, Gold) that generate cashback rewards, with interchange fees contributing to Floa's revenue stream.
- Insurance Products: Floa offers borrower insurance and tailored insurance products, generating premium revenue.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Payment in 3X, 4X, 10X+ — subject to acceptance |
| Subscription | Pay-as-you-go | Mini-Prêt — amounts and terms vary |
| Subscription | Monthly | Revolving Credit & Amortizing Loans |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels7 records
FLOA product offering
Product offeringCore offering
FLOA provides Buy Now Pay Later installment payment solutions (CB3X, CB4X, CB10X), small-ticket personal loans (mini-prêt "Coup de Pouce"), co-branded credit cards with cashback (Casino, Cdiscount, Gold Mastercard), revolving credit, and tailored insurance products (borrower, school, household appliance) to consumers in France and four other European countries. For merchants, FLOA delivers white-label BNPL and credit capabilities via its Credit Line API, integrating with major e-commerce platforms, PSPs, and fintech aggregators to convert checkout traffic into installment sales.
Product overview
FLOA is a fintech subsidiary of BNP Paribas operating two core brands: FLOA Bank (floabank.fr) for consumers and FLOA Pay (floapay.fr) for merchants and professionals. FLOA Bank offers a digital banking platform comprising installment payment solutions (CB3X, CB4X, CB10X), mini-loans branded as 'Coup de Pouce', branded credit cards (Casino, Gold, Cdiscount) with cashback rewards, revolving credit, and tailored insurance products (borrower, school, household). FLOA Pay delivers merchant-facing BNPL and payment solutions via white-label API (Credit Line), plugin modules, and partner platforms including Joko and Bankin', with an expanding international footprint across 5 European countries. The mobile app serves as a unified consumer interface for loan requests and payment management.
Differentiator
Problem solved
Functional benefit
Brands
- Floa Bank: Banking services for individuals including mini loans, credit cards, and insurance products
- Floa Pay
Products and services
- FLOA Bank (Particuliers) Consumer-facing digital banking platform offering installment payments (3X, 4X, 10X), mini-loans, co-branded credit cards with cashback, revolving credit, and insurance products, all with 100% digital subscription flows accessible via web and mobile app to European consumers.
- FLOA Pay (Professionnels)
Quantifiable outcome
- Leader in payment facilities in France with operations in 5 European countries (France, Spain, Italy, Portugal, Belgium)
- +4 more outcomes
Companies that use FLOA
Customer profileNamed customers12 records
Segments3 records
Ideal customer profiles2 records
FLOA technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration26 records
AI capability7 records
Feature5 records
FLOA partnerships and signals
Strategic signalPartnerships
21 partnerships are on record, tiered core, flagship, minor and major.
- JokocoreFloa partnered with fintech Joko to distribute its installment payment solutions (3X, 4X) through Joko's app, allowing Joko users to access Floa's BNPL options at partner merchants.
- Bankin'coreFloa partnered with Bankin' to embed its installment payment solutions into the Bankin' financial management app, extending Floa's reach through Bankin's user base.
- LydiacoreFloa launched an instant mini-prêt product in partnership with Lydia, enabling Lydia app users to access Floa's small loans directly through the Lydia platform.
- CdiscountflagshipCdiscount is Floa's primary e-commerce partner. Floa is the financial services provider for Cdiscount's branded credit card and offers installment payment solutions and credit products to Cdiscount customers.
- ShopifycoreFloa is integrated with Shopify's e-commerce platform, allowing Shopify merchants to easily add Floa's installment payment options to their checkout flows.
- PrestaShopcoreFloa is integrated with PrestaShop's CMS platform, enabling PrestaShop merchants to offer Floa's payment solutions to their customers.
- WorldlinecoreFloa is integrated with Worldline's payment gateway and processing infrastructure for secure transaction handling.
- Ingenico GroupcoreFloa works with Ingenico Group for point-of-sale terminal integration enabling in-store installment payments (CB4X).
- SnowflakecoreFloa uses Snowflake's cloud data platform for data warehousing, enabling scalable analytics across its customer and transaction data.
- DataikucoreFloa uses Dataiku's data science platform for building, deploying, and monitoring machine learning models used in credit scoring and risk management.
- TableaucoreFloa uses Tableau for data visualization and business intelligence dashboards across risk management, finance, and operations.
- Threat MetrixcoreFloa uses Threat Metrix (LexisNexis) for device fingerprinting and real-time fraud detection across digital channels.
- PindropcoreFloa uses Pindrop's voice biometric and authentication technology to secure phone and digital interactions and prevent fraud.
- Mastercard (Priceless Planet Coalition)minorFloa joined Mastercard's Priceless Planet Coalition, contributing to reforestation efforts by planting trees and supporting carbon offset initiatives. Floa has planted over 20,000 trees since 2020.
- SamsungmajorSamsung offers Floa's installment payment solutions to customers purchasing electronics, enabling split payments on Samsung products.
- Galeries LafayettemajorGaleries Lafayette retail department stores offer Floa's payment solutions to customers at point of sale.
- BricomarchémajorBricomarché DIY retail chain offers Floa's installment payment solutions to customers purchasing home improvement products.
- SFRmajorTelecom operator SFR offers Floa's financial solutions to its customers for device and service purchases.
- IberiamajorSpanish airline Iberia partners with Floa to offer installment payment options for flight bookings.
- Veepee VoyagemajorFlash-sales travel platform Veepee Voyage uses Floa's installment payment solutions for travel bookings.
- Groupe Casino (Casino Brand)majorFloa originated as Banque Casino and is the financial partner for the Casino brand of stores, offering Casino-branded credit cards and financial products.
Scale indicators14 records
Recent moves8 records
Expansion highlights6 records
FLOA competitors and assessment
Company assessmentDirect peers
- Klarna: Swedish-founded global BNPL leader offering pay-in-installments at checkout across European merchants. Directly comparable to FLOA on merchant-integrated BNPL (3X/4X/longer), consumer credit and white-label credit-as-a-service, though at much larger scale and broader geography.
- Oney: French BNPL and consumer credit provider owned by Auchan Holding. Directly competes with FLOA in French merchant-integrated BNPL and co-branded credit cards, with a similarly large domestic merchant footprint in retail and e-commerce.
- Scalapay: Italy-headquartered BNPL player offering pay-in-3 across Southern Europe (Italy, France, Spain, Portugal, Belgium — the same markets FLOA operates in). Comparable on merchant-integrated installment payments and white-label API distribution.
- Affirm: US-listed BNPL platform offering pay-in-installments (3, 6, 12, longer) at merchant checkout with proprietary underwriting. Closest large-cap pure-play BNPL peer to FLOA in product design (instant decision, installment-based, API-first) though focused on North America.
- Alma: French BNPL provider offering pay-in-3 and pay-in-4 at e-commerce checkout to merchants and via API. Headquartered in Paris and directly competes with FLOA Pay on French merchant integrated BNPL with overlapping merchant verticals (retail, travel, electronics).
- Cofidis: French consumer credit subsidiary of Crédit Mutuel offering personal loans, revolving credit and installment solutions. Competes with FLOA Bank on mini-prêts, revolving credit and BNPL, particularly in the same French retail and e-commerce customer base.
- Younited Credit: France-headquartered consumer credit marketplace offering personal loans and BNPL via partner banks. Comparable to FLOA on French consumer credit origination, digital onboarding and white-label credit-as-a-service distribution.
- Afterpay (Block): Pay-in-4 BNPL pioneer now part of Block (Square). Comparable to FLOA on merchant-integrated short-tenor installment payments and white-label credit, though primarily US/AUS markets and increasingly part of a broader commerce/payments ecosystem.
Broad incumbents
- Cetelem (BNP Paribas Personal Finance): BNP Paribas Personal Finance division offering consumer loans, credit cards and BNPL across Europe. Sister entity to FLOA within BNP Paribas; broader product portfolio and larger European footprint, but overlapping customers and product set.
Emerging players
- Zilch: UK-based BNPL and consumer credit platform offering pay-anywhere installments and revolving credit. Comparable product set to FLOA Bank's mini-prêt plus revolving structure, though smaller scale and geographically concentrated in the UK.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights6 records
Customer concentration
FLOA social profiles
Digital presenceFLOA compliance and trust
Trust signalCompliance3 records
FLOA financial estimates
Financial estimateRevenue estimate
Valuation estimate
FLOA leadership team
Management profileNumber of profiles
Profiles2 records
FLOA funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
FLOA M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about FLOA
What does FLOA do?
FLOA provides Buy Now Pay Later installment payment solutions (CB3X, CB4X, CB10X), small-ticket personal loans (mini-prêt "Coup de Pouce"), co-branded credit cards with cashback (Casino, Cdiscount, Gold Mastercard), revolving credit, and tailored insurance products (borrower, school, household appliance) to consumers in France and four other European countries. For merchants, FLOA delivers white-label BNPL and credit capabilities via its Credit Line API, integrating with major e-commerce platforms, PSPs, and fintech aggregators to convert checkout traffic into installment sales.
Is FLOA a public or private company?
FLOA is a private company. It is classified as corporate owned and is currently operating.
When was FLOA founded?
FLOA was founded in 2001. It employs 501 to 1,000 people.
Where is FLOA based?
FLOA is headquartered in Bordeaux, France, in the Europe region.
How does FLOA make money?
Four revenue lines are on record. Payment Facilitation & Transaction Fees are the primary driver. The others are consumer Credit (Revolving & Installment), cashback Card Programs and insurance Products.
Who are FLOA's main competitors?
Direct peers on record are Klarna, Oney, Scalapay, Affirm, Alma, Cofidis, Younited Credit and Afterpay (Block). Cetelem (BNP Paribas Personal Finance) is listed as a broad incumbent. Zilch is listed as an emerging player.
Does FLOA have an API?
Yes. Credit Line API — FLOA exposes its credit and payment expertise via APIs, enabling merchants to embed FLOA's credit and payment solutions (Credit Line, BNPL) directly into their own platforms as white-label offerings.
What industry is FLOA in?
FLOA's product category is Consumer Finance (BNPL & Installment Payments). Its primary akta.pro industry code is FSAGAIAA, Merchant-Integrated BNPL (Checkout POS Financing), with a secondary code of FSAKACAN, BNPL for High-Ticket / Longer-Term Installments. Its NAICS code is 52222 and its SIC code is 6141.