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 EUR per month, while Gold costs 4.50 EUR per month, with the first year offered free.
Who it is for
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 is good
- 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
Verdict
FLOA combines installment checkout, consumer financing, cards, and insurance. Its fit depends on merchant platform, consumer region, and approval for credit products.
Get started with FLOA
- 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.
Limits to know first
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 EUR per month and the Gold card costs 4.50 EUR per month.
Questions about FLOA
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 EUR per month. The Carte Gold costs 4.50 EUR per 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.
FLOA plans and pricing
All plansCompared on buy now, pay later platforms
- Checkout channels
- omnichannel
- Repayment terms
- 3X, 4X, 10X or more
- Merchant platforms
- Magento, PrestaShop, WooCommerce, Shopify, Adobe Commerce
- Consumer regions
- France, Spain, Italy, Portugal, Belgium
