Leader of "Buy Now Pay Later" solutions in France, FLOA makes life easier for consumers through payments in instalments, mini credits, payment cards. FLOA is a partner of major (e-)retailers (Discount, Oscar, SFR, Vide dressing, etc.), key travel players (Selector, Mister fly, Discount Voyages, Pierre et Vacances, etc.) and fintechs (Lydia, Bankin, Joe ) for which it provides tailor-made services. FLOA products and services are easy to use for customers and quick to integrate for partners. FLOA has more than 3 million customers and finances more than 2.5 billion euros of goods and services each year. FLOA was rewarded Best Customer Service of the Year 2022. Already leader in France, present in Spain, Belgium, Italy and Portugal (and soon Germany and Netherlands), FLOA aims to become the European leader of "Buy Now Pay Later" solutions. Since February 2022, FLOA has joined the BNP Paribas group to accelerate its growth and become a European champion in split payment.