Best FLOA Alternatives in 2026
The top FLOA alternatives are Klarna, Affirm and Afterpay: 15 buy now, pay later platforms our editors would look at instead of FLOA, in our ranking order.
FLOA: A French-focused BNPL platform for white-label, omnichannel merchant financing. Where it falls short: merchant pricing requires contacting sales.
Switching from FLOA? For most buy now, pay later platforms buyers the best FLOA alternative is Klarna, built for global omnichannel merchants. Affirm has a free plan.
Why People Look for an FLOA Alternative
- Merchant pricing requires contacting sales
- Coverage centers on five European markets
- Focuses on financing rather than general payment processing
Quick Picks by What You Need
- Best overallKlarna9.4
Global omnichannel merchants
Visit Klarna - Best free optionAffirm9.3
Has a free plan
Visit Affirm
All 15 FLOA Alternatives, Ranked
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.
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Best forGlobal omnichannel merchants
- Better than FLOA:
- Editor score 9.4 vs 8.2
A broad omnichannel BNPL option with contract-based pricing and country-dependent availability.
9.4/10★★★★★Visit Klarna -
Best forMerchants needing flexible financing
- Better than FLOA:
- Editor score 9.3 vs 8.2
A flexible BNPL option for merchants needing online, in-store, and longer-term financing.
9.3/10★★★★★Visit Affirm -
Best forFive-market omnichannel retailers
- Better than FLOA:
- Editor score 9.2 vs 8.2
An omnichannel BNPL platform with flexible repayment terms and merchant reporting.
9.2/10★★★★★Visit Afterpay -
Best forUS, Australian, and NZ merchants
- Better than FLOA:
- Editor score 9.1 vs 8.2
An omnichannel BNPL platform for merchants needing flexible repayments and settlement tools.
9.1/10★★★★★Visit Zip -
Best forEstablished European merchants
- Better than FLOA:
- Editor score 9.0 vs 8.2
A European BNPL provider for merchants needing omnichannel financing options.
9.0/10★★★★☆Visit Oney -
Best forWhite-label card-linked installments
- Better than FLOA:
- Editor score 8.9 vs 8.2
A flexible BNPL platform for branded, card-linked installments across sales channels.
8.9/10★★★★☆Visit Splitit -
Best forGulf-region omnichannel merchants
- Better than FLOA:
- Editor score 8.8 vs 8.2
A broad omnichannel BNPL platform for merchants selling across Saudi Arabia, the UAE and Kuwait.
8.8/10★★★★☆Visit Tabby -
Best forUS and Canadian ecommerce merchants
- Better than FLOA:
- Editor score 8.7 vs 8.2
A flexible BNPL option for US and Canadian merchants with omnichannel checkout.
8.7/10★★★★☆Visit Sezzle -
Best forSaudi and Gulf merchants
- Better than FLOA:
- Editor score 8.6 vs 8.2
A Gulf-focused BNPL platform with omnichannel checkout, integrations, and merchant tools.
8.6/10★★★★☆Visit Tamara -
Best forNorthern and Central European merchants
- Better than FLOA:
- Editor score 8.5 vs 8.2
A broad European BNPL platform with flexible payment options and sales-led pricing.
8.5/10★★★★☆Visit Riverty -
Best forFrench and Western European merchants
- Better than FLOA:
- Editor score 8.4 vs 8.2
A merchant-focused BNPL platform with omnichannel checkout and scheduled settlement.
8.4/10★★★★☆Visit Alma -
Best forEuropean retailers needing broad plugins
- Better than FLOA:
- Editor score 8.3 vs 8.2
A broad European BNPL platform with plugins, APIs, and omnichannel checkout.
8.3/10★★★★☆Visit Scalapay -
Best forB2B merchants needing invoice financing
A specialized B2B payment option with upfront settlement and credit-risk protection.
8.1/10★★★★☆Visit Billie -
Best forEuropean B2B invoice payments
A European B2B payments platform combining deferred invoices, installments and trade accounts.
8.0/10★★★★☆Visit Mondu -
Best forSingapore and Malaysia merchants
A Singapore- and Malaysia-focused BNPL option with online, QR, and API checkout.
7.9/10★★★★☆Visit Atome
FLOA Alternatives: Common Questions
What is the best alternative to FLOA?
Klarna: #1 in our Buy Now, Pay Later Platforms ranking, with an editor score of 9.4 out of 10. A broad omnichannel BNPL option with contract-based pricing and country-dependent availability.
Is there a free alternative to FLOA?
Yes. Affirm, Afterpay, Zip, Oney and Tabby have a free plan or a free tier (7 of the 15 alternatives on this page).
Why do people look for FLOA alternatives?
Merchant pricing requires contacting sales; Coverage centers on five European markets; Focuses on financing rather than general payment processing.
How do I switch from FLOA?
Export your data from FLOA (most tools have an export in their settings). Sign up for the alternative; start on its free plan or trial if it has one. Import your export and set up the integrations your team relies on. Run both side by side for a short while, then cancel FLOA.
How to Switch from FLOA
- Export your data from FLOA (most tools have an export in their settings).
- Sign up for the alternative; start on its free plan or trial if it has one.
- Import your export and set up the integrations your team relies on.
- Run both side by side for a short while, then cancel FLOA.
FLOA vs Each Alternative
| # | Tool | Free plan | Paid from | Checkout channels | Repayment terms | Merchant platforms | Merchant settlement | Score |
|---|---|---|---|---|---|---|---|---|
| 13 | FLOA | Omnichannel | 3X, 4X, 10X or more | Magento, PrestaShop, WooCommerce, Shopify, Adobe Commerce | 8.2 | |||
| 1 | Klarna | Omnichannel | Pay now; Pay later up to 30 days; Pay in 3 or 4 installments; financing over 6–24 months where available | Shopify, Adobe Commerce, Salesforce Commerce, WooCommerce | Scheduled | 9.4 | ||
| 2 | Affirm | Yes | Omnichannel | 4 interest-free payments every 2 weeks; installments from 6 weeks to 36 months; monthly or biweekly payments | Adobe Commerce, BigCommerce, Salesforce Commerce Cloud, SAP Commerce, Shopify, Wix, WooCommerce, Acadaca, Lightspeed Ecommerce, Miva, OpenCart, Oracle Commerce, Shift4Shop, VTEX, Volusion | 9.3 | ||
| 3 | Afterpay | Yes | Omnichannel | Pay in 4 over 6 weeks; monthly payments over 3, 6, 12, or 24 months | Square, Magento, Shopify, WooCommerce | Scheduled | 9.2 | |
| 4 | Zip | Yes | Omnichannel | 2 payments; 4 biweekly payments; 8 payments; Australia: weekly, fortnightly, or monthly schedules; up to 5 years interest-free terms | BigCommerce; Magento 2; Salesforce; Shopify; WooCommerce | Scheduled | 9.1 | |
| 5 | Oney | Yes | Omnichannel | 3, 4, 6, 10, and 12 installments; financing up to 60 months | PrestaShop, Magento 2, Salesforce | 9.0 | ||
| 6 | Splitit | Omnichannel | monthly; biweekly; partial installments; pay after delivery; up to 12 installments | BigCommerce; Magento; Salesforce Commerce Cloud; Shopify; Wix; WooCommerce; SAP Commerce Cloud | Next day | 8.9 | ||
| 7 | Tabby | Yes | Omnichannel | 4 interest-free payments; up to 12 monthly payments; longer Saudi Arabia plans up to 12 monthly payments | Shopify, Salla, Zid, WooCommerce, Magento 2, OpenCart, Matjrah, Salesforce, ExpandCart | Scheduled | 8.8 | |
| 8 | Sezzle | Yes | Omnichannel | Pay in 4: 25% down payment plus three payments every two weeks over six weeks; other options may run from 3 to 48 months | Shopify, Shopify Plus, WooCommerce, Commercold, BigCommerce, Magento, Salesforce, Wix | Scheduled | 8.7 | |
| 9 | Tamara | Omnichannel | 3, 4, 6, 9, 12, and 24 months | Shopify, WooCommerce, Magento, Salla, Zid, Salesforce Commerce Cloud, Paymob, OpenCart, ExpandCart, Geidea, Network International | Scheduled | 8.6 | ||
| 10 | Riverty | Omnichannel | 14 days; 30 days; monthly invoice; 3 equal payments over 60 or 90 days; fixed installments over 3, 6, 12, or 24 months | Shopify; Magento; WooCommerce; Shopware; PrestaShop; Lightspeed; JTL; OXID eSales; Myshop; Divide.o | Scheduled | 8.5 | ||
| 11 | Alma | No | Omnichannel | 2x, 3x, 4x, 10x, 12x, D+15, D+30 | Magento 1, Magento 2, PrestaShop, Shopify, Wizishop, WooCommerce, Salesforce Commerce Cloud, Proximis, WSHOP | Scheduled | 8.4 | |
| 12 | Scalapay | Omnichannel | Pay in 3: first payment at purchase, then after 1 and 2 months; Pay in 4: first payment at purchase, then after 1, 2, and 3 months | BigCommerce, JTL 4, LogiCommerce, Mabisy, Magento 1, Magento 2, OpenCart, nopCommerce, PrestaShop, Ready Pro, Salesforce, SAP Hybris, Shopify, Shopware, Storeden, VTEX, WooCommerce | Scheduled | 8.3 | ||
| 13 | Billie | Omnichannel | 7 to 120 days; 30 to 120 days for buyer-facing pay-later terms; installments; pay on account | Klarna, Adyen, Stripe, Kustom, Mollie, Shopware, JTL, WooCommerce | Same day | 8.1 | ||
| 14 | Mondu | Omnichannel | 30, 45, 60 or 90 days; installments over 3, 6 or 12 months | Shopify, Shopware 5, Shopware 6, Magento 2, WooCommerce, JTL, Stripe and REST API | Scheduled | 8.0 | ||
| 15 | Atome | Yes | Omnichannel | Pay-in-3: first payment at purchase, remaining payments monthly; Pay-in-6: first payment one day after purchase, remaining payments every 30 days | Easy Store; Magento 1 & 2; OpenCart; Salesforce SFRA; Salesforce Site Genesis; Shopify; Wix; WooCommerce; open API | 7.9 |
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Last updated · How we research and update