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FLOA facilitates payment on the customer side to simplify business on the merchant side. Developed with and for e-merchants, FLOA Pay solutions are designed to make split payments as easy and fast as possible, whether online (on a website or marketplace), at the point of sale, or in a call center.

BNPLSplit PaymentE-CommerceCredit


The French leader in payment facilities, FLOA makes life easier for more than 3.5 million customers through split or deferred payments, mini-credits, payment methods, and financial services.

Backed by its expertise with large (e)-retailers, major players in the tourism industry, and fintech partners, FLOA Pay offers robust, omnichannel, and ultra-secure solutions to integrate smoothly into every sales funnel for a seamless customer experience.

With this "customer-centric" approach, which it shares with and puts at the service of its partners, FLOA has been elected Customer Service of the Year 2022* for the second year in a row.

*Category credit organization

Les avantages majeurs de la solution


Excellent customer service (Voted Customer Service of the Year 2021 and 2022)


Instant response to the customer and quick funding to the merchant


Improved conversion and average shopping cart up to +40%


Dedicated and customized support (fraud, risk and marketing support)

Les avantages d'une connexion avec Upstream Pay


Simple integration via API


A seamless journey


No supporting document for 3x and 4x payment


Immediate response regardless of which solution is activated

Parcours de paiement

Display of my shopping cart

I choose to pay by 4X

I complete my contact information

I enter my card details in a secure form

Fiche technique

Markets coveredFrance, Spain, Italy, Portugal, Belgium
Currency of paymentEUR
Channel E-Commerce
Accepted means of payment Visa, Mastercard, Bank card
Recurring transactionsYes
Split paymentYes
3D Secure Yes
Fraud module Yes
Settlement time3X 4X 10X

Pour plus d'informations, contacter l'équipe UpStream Pay

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© 2023 UpStream Pay. Tous droits réservés. | Mentions légales | Données personnelles