Freedom251 › Buy Now, Pay Later Platforms
FLOA
What FLOA is
FLOA provides consumer financing and payment services through Android, iOS, and web access. Its offerings include installment payments, loans, bank cards, and insurance. Customers may spread payments over 3, 4, 10, 12 times or more, online or in stores, depending on the offer and eligibility. FLOA says its installment service is available through more than 20,000 merchants. Checkout is described as omnichannel, with merchant-platform support for Magento, PrestaShop, WooCommerce, Shopify, and Adobe Commerce. Consumers are listed in France, Spain, Italy, Portugal, and Belgium. The mobile app lets customers request financing, manage services, and spread payments. Eva, the virtual assistant, answers questions 24 hours a day. The Gold card includes travel and purchase protections; the Cdiscount card offers cashback on eligible purchases. Cdiscount costs €1.25 a month, while Gold costs €4.50 a month, with the first year offered free.
Who it suits
FLOA suits merchants seeking installment checkout across supported commerce platforms and consumers in its listed countries. It also suits customers wanting mobile financing management and card-based payment options.
What it does well
- Supports 3X, 4X, 10X, or longer repayment
- Works across online and in-store checkout
- Offers Android, iOS, and web access
- Eva answers questions 24 hours daily
- Supports major listed commerce platforms
What to know first
- Credit facilities require application acceptance
- Pricing for other services is on request
- Card fees apply after listed conditions
Limits
Credit and card credit facilities are subject to Floa accepting the application. The Gold card fee is waived for the first year; the Cdiscount card costs €1.25 a month and the Gold card costs €4.50 a month.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Carte Cdiscount | 1,25 € /mois · Carte de crédit associée à un crédit renouvelable, sous réserve d’acceptation | €1.25 a month |
| Carte Gold | 4,50 € /mois · Cotisation offerte la 1ère année; carte de crédit associée à un crédit renouvelable, sous réserve d’acceptation | €4.50 a month |
As floa.com lists them, read 9 Oct 2026. The maker's own page has the final word.
Getting started
- Visit https://www.floa.com/.
- Download the app from the App Store or Google Play Store, or use web access.
- Choose a financing, payment or card service.
- Submit an application where required and await acceptance.
Verdict
FLOA combines installment checkout, consumer financing, cards, and insurance. Its fit depends on merchant platform, consumer region, and approval for credit products.
Questions
What does FLOA offer?
Consumer financing and payment services, including installments, loans, bank cards and insurance.
What are the card prices?
The Carte Cdiscount costs €1.25 a month. The Carte Gold costs €4.50 a month, with its fee waived for the first year.
Which platforms are supported?
FLOA is available on Android, iOS and web. Merchants platforms listed include Magento, PrestaShop, WooCommerce, Shopify and Adobe Commerce.
Where is FLOA available to consumers?
The listed regions are France, Spain, Italy, Portugal and Belgium.
Are credit applications guaranteed?
No. Credit and card credit facilities are subject to Floa accepting the application.
Facts from FLOA's own pages
- App authentication
- The app supports strong authentication for online payments and sensitive operations, with optional biometric login. · floa.com, 9 Oct 2026
- App platforms
- Floa directs customers to download its app from the App Store or Google Play Store. · floa.com, 9 Oct 2026
- Card features
- The cards offer credit and payment options; the Gold card includes travel and purchase protections, while the Cdiscount card offers cashback on eligible purchases. · floa.com, 9 Oct 2026
- Company history
- Floa says it was founded in 2001 at the initiative of Groupe Casino. · floa.com, 9 Oct 2026
- Credit eligibility
- Credit and card credit facilities are subject to Floa accepting the customer’s application. · floa.com, 9 Oct 2026
- Founded
- 2001 · floa.com, 28 Sept 2026
- Headquarters
- Floa lists its registered office at Immeuble G7, 71 Rue Lucien Faure, 33300 Bordeaux, France. · floa.com, 9 Oct 2026
- Installments
- Customers can pay in 3, 4, 10, 12 times and more, online or in stores, subject to the applicable offer and eligibility. · floa.com, 9 Oct 2026
- Merchant network
- Floa says its installment payment service is available at more than 20,000 merchants, online and in stores. · floa.com, 9 Oct 2026
- Mobile app
- The Floa app lets customers request financing, manage services, and spread payments from their mobile device. · floa.com, 9 Oct 2026
- Security
- Floa says customer data and payments are protected with encryption and strong authentication. · floa.com, 9 Oct 2026
- Support
- Floa provides help through its FAQ, customer contact channels, and the Eva assistant in the app. · floa.com, 9 Oct 2026
- Virtual assistant
- Eva, Floa’s virtual assistant, answers questions 24 hours a day. · floa.com, 9 Oct 2026
- What it offers
- Floa offers consumer financing and payment services, including installment payments, loans, bank cards, and insurance. · floa.com, 9 Oct 2026
Where FLOA stands on Freedom251
- Buy Now, Pay Later Platforms#19 of 26