About
FLOA Pay is the buy-now-pay-later service of FLOA, a Bordeaux-based consumer credit and payment company wholly owned by BNP Paribas and supervised by France's ACPR. Merchants such as Cdiscount and SFR add it to their checkout, where the shopper pays by bank card and gets an instant decision: 3x or 4x instalments from €50 to €6,000, longer 10x or 12x plans from €200 to €3,000, or deferred payment of the full amount after 30 days. These are credit products, so they can carry borrowing costs. FLOA Pay operates in France, Belgium, Spain, Italy and Portugal, and as of 2026 FLOA says it has over four million customers.
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