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FLOA

Paid#13 of 26 in Buy Now, Pay Later Platforms

FLOA: A French-focused BNPL platform for white-label, omnichannel merchant financing. Ranked #13 of 26 in Buy Now, Pay Later Platforms by our editors (8.2/10); pricing: Pricing on request; best for french merchants wanting white-label credit.

8.2/10Editor score

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FLOA8.2 Visit FLOA

At a glance

Editor score
8.2 / 10
Pricing
Pricing on request
Best for
French merchants wanting white-label credit
Checkout channels
Omnichannel
Founded
2001 · Bordeaux, France
Facts checked
19 Sep 2026

Where it wins
- Supports 3X, 4X and 10X-or-more installment payments
- Connects online and in-store payment journeys
- Offers white-label credit lines with API access
Where it doesn't
- Merchant pricing requires contacting sales
- Coverage centers on five European markets
- Focuses on financing rather than general payment processing

Our verdict on FLOA

FLOA provides payment and financing services for consumers, merchants and fintechs. Its merchant offering covers installment payments in 3X, 4X and 10X or more, white-label credit lines and API-based financing solutions. Online and in-store journeys support an omnichannel checkout model, while consumer products include mini-loans, cards, insurance and payment financing. FLOA operates across France, Spain, Italy, Portugal and Belgium, making it most relevant to merchants targeting these markets, particularly in France.

Its ecosystem is broad for a financing-focused provider. Published integrations include Magento, PrestaShop, WooCommerce, Shopify, Adobe Commerce, Ingenico Group, Monext, Worldline, Thunes, Paytweak and Voxpay, alongside Joko, Bankin, orchestra, Norbr and Upstream. API access supports merchants and fintechs that want to connect credit and financing services to their own journeys. Digital application and subscription flows, fraud prevention, data security measures and chatbot-based customer support extend the offering beyond a payment button. The 2001 founding year and BNP Paribas ownership also place FLOA within an established financial-services group.

FLOA suits merchants seeking branded financing across web and physical stores, especially those already working with its listed commerce and payment platforms. The model is less suitable for businesses that need a simple, general-purpose payment gateway or coverage outside its stated European markets. Merchant pricing is handled through sales contact rather than a published plan structure, so commercial evaluation belongs early in the buying process. Choose FLOA when installment credit, white-label presentation and API flexibility are central requirements; consider another provider when straightforward self-serve pricing or broader geographic reach matters more.

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FLOA pricing

Plans Pricing on requestPaid No free plan — trial or paid only. Prices checked 19 Sep 2026.

See plans on floa.com

FLOA fact sheet

Free plan	Not verified
Paid from	Not verified
Checkout channels	Omnichannel
Repayment terms	3X, 4X, 10X or more
Merchant platforms	Magento, PrestaShop, WooCommerce, Shopify, Adobe Commerce
Merchant settlement	Not verified
Consumer regions	France, Spain, Italy, Portugal, Belgium
Merchant dashboard	Not verified
Deployment	Cloud
Platforms	Web
Integrations	16 integrations: Joko, Bankin, Magento, Ingenico Group, Monext, Worldline …
Pricing	Pricing on request
Website	floa.com
Facts checked	19 Sep 2026

FLOA integrations

FLOA lists 16 integrations on its own site.

Joko
Bankin
Magento
Ingenico Group
Monext
Worldline
Thunes
orchestra
PrestaShop
Paytweak
Voxpay
WooCommerce
Norbr
Upstream
Shopify
Adobe Commerce

Alternatives to FLOA

See all FLOA alternatives →

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Featured on iTechGuides

FLOA is listed in our Buy Now, Pay Later Platforms directory. Add the badge to your site — it links back to this page.

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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.

Last updated 7 Oct 2026 · How we research and update