FLOA is a “Buy Now Pay Later” solution in France and offers consumers options ranging from installment payments to mini-credit and payment cards.

They are partnering with major (e-)retailers (Cdiscount, Oscaro, SFR, Vide dressing, etc.), travel providers (Selectour, Misterfly, Cdiscount Voyages, Pierre et Vacances, etc.) and fintechs (Lydia, Bankin, Joe ), for whom it offers customized services.

The products and services offered by the company are intended to be user-friendly for customers and quick to integrate for partners.

Actually, FLOA is already present in France and in Spain, Belgium, Italy and Portugal.

FLOA has more than 3 million customers and finances more than 2.5 billion euros of goods and services yearly.

Since February 2022, FLOA has joined the BNP Paribas group to accelerate its growth and become a European champion in split payment.

Due to insufficient information about the company and the founding team and the fact that it is not clear whether it is FLOA Pay or FLOA Bank, we classify the FinTech in our “Orange Compliance” list.