With FLOA Pay merchants can effortlessly offer various Buy Now Pay Later (BNPL) options, including 3x, 4x, 10x, pay later, or use nX by IBAN, across multiple European markets, providing flexible payment solutions that enhance the shopping experiences for their shoppers across various industry verticals.

Payment method properties


Markets (consumer)	`FR` `IT` `PT` `ES` `BE` `NL` `DE`
Processing currencies	`EUR`
Consumer currencies	`EUR`
Authentication methods	`REDIRECT`
Authentication timeout	1 hour
Minimum payment amount	Varies based on the country
Maximum payment amount	Varies based on the country
Payment instrument	`PASSTHROUGH_WALLET`
Recurring payments	No
Separate captures	No
Refund	Full - Partial - Multiple
Refund validity	6 months
Disputes	Yes
Settlement risk	No

Make a FLOA Pay payment

FLOA Pay payments follow our standardized REDIRECT payment flow. We recommend including all relevant settings for any authentication methods you support.

To create a FLOA Pay payment, you'll need to provide the following data at minimum when calling our payment charges endpoint:

Field	Description
`paymentMethod`	`FLOAPAY`
`consumer.name`	Full name of the consumer.
`consumer.birthDate`	Consumer's birth date.
`consumer.country`	The country of residence of the consumer.
authenticationSettings: REDIRECT `settings.returnUrl`	Specify the URL to which the consumer should be redirected after completing the payment. This is required for the `REDIRECT` payment flow.
`order.orderItems`	The list of order items. (`name`, `quantity`, `amount` are mandatory)
`order.shippingMethod`	Method of delivery `VIRTUAL` `TRACKED_DELIVERY` `UNTRACKED_DELIVERY` `IN_STORE_PICKUP` `LOCKER_PICKUP` `HYBRID`.
`order.shippingAddress`	Mandatory when the shippingMethod is NOT `VIRTUAL`.
`order.installmentPlan.numberOfInstallments`	Number of installments opted by the consumer:`3` or `4`.

📘
Guidance
To improve the consumer experience and maximize payment approval rates, consider including the following fields. See the API Reference for full details.
Fields Description
consumer.client IP and UserAgent help with fraud checks and risk scoring.
consumer.billingAddress Billing address supports scoring and approval decisions.
consumer.profile Provide Merchant's CRM data to help improve approval rates.
order.shippingAddress Specify the delivery address for physical goods to enable shipping and tracking.
order.industryData Include industry-specific fields for sectors such as AIRLINE, TRAVEL or EDUCATION.

Fields	Description
`consumer.client`	IP and UserAgent help with fraud checks and risk scoring.
`consumer.billingAddress`	Billing address supports scoring and approval decisions.
`consumer.profile`	Provide Merchant's CRM data to help improve approval rates.
`order.shippingAddress`	Specify the delivery address for physical goods to enable shipping and tracking.
`order.industryData`	Include industry-specific fields for sectors such as `AIRLINE`, `TRAVEL` or `EDUCATION`.

Country availability:

Country	Number of installments	Min amount	Max amount
`FR` France	3 or 4	50.00 EUR	6,000.00 EUR
`IT` Italy	3 or 4	75.00 EUR	6,000.00 EUR
`PT` Portugal	3 or 4	50.00 EUR	2,500.00 EUR
`ES` Spain	3 or 4	50.00 EUR	2,499.00 EUR
`BE` Belgium	3	50.00 EUR	6,000.00 EUR
`NL` Netherlands	3 or 4	50.00 EUR	6,000.00 EUR
`DE` Germany	3 or 4	50.00 EUR	6,000.00 EUR

Request

POST /v1/payment-charges

{
    "paymentMethod": "FLOAPAY",
    "paymentMedium": "ECOMMERCE",
    "initiator": "MERCHANT",
    "paymentDescriptor": "Acme Webshop Says Thank You",
    "merchantPaymentChargeReference": "merch_ref_12345",
    "amount": {
        "currency": "EUR",
        "value": 45000
    },
    "authenticationSettings": [
        {
            "settings": {
                "returnUrl": "https://www.webshop.com/order-results-page"
            },
            "type": "REDIRECT"
        }
    ],
    "consumer": {
        "name": "John Smith",
        "email": "[email protected]",
        "phone": "+33645678901",
        "birthDate": "1995-01-01",
        "country": "FR",
        "locale": "fr_FR",
        "client": {
            "ip": "11.22.22.33",
            "userAgent": "Mozilla/5.0 (X11; CrOS x86_64 ...) Chrome/51.0..."
        },
        "taxIdentification": "3987609881091",
        "merchantConsumerReference": "consumer_acme_12345",
        "billingAddress": {
            "firstName": "John",
            "lastName": "Smith",
            "phoneNumber": "+33645678901",
            "street": "Rue De Rivoli 1",
            "postalCode": "75001",
            "city": "Paris",
            "region": "Paris",
            "country": "FR"
        },
        "profile": {
            "createdDate": "2025-01-01",
            "firstOrderDate": "2025-01-05",
            "lastOrderDate": "2025-05-01",
            "lifetimeOrderCount": 10,
            "lifetimeOrderValue": 450000,
            "lifetimeCanceledOrderCount": 3
        }
    },
    "order": {
        "orderItems": [
            {
                "sku": "AIRFLY-1234",
                "category": "Transportation",
                "subCategory": "Airline Ticket",
                "name": "Air Fly Inc",
                "quantity": 1,
                "amount": 10000
            },
            {
                "sku": "STAY-1234",
                "category": "Accommodation",
                "subCategory": "Hotel Stay",
                "name": "My Stay Inc",
                "quantity": 1,
                "amount": 15000
            },
            {
                "sku": "PARK-1234",
                "category": "Tickets",
                "subCategory": "Amusement Park",
                "name": "My Park Inc",
                "quantity": 2,
                "amount": 20000
            }
        ],
        "shippingMethod": "TRACKED_DELIVERY",
        "shippingAddress": {
            "firstName": "John",
            "lastName": "Smith",
            "phoneNumber": "+33645678901",
            "street": "Rue de Rivoli",
            "postalCode": "75001",
            "city": "Paris",
            "region": "Paris",
            "country": "FR"
        },
        "industryData": [
            {
                "type": "TRAVEL",
                "details": {
                    "travelType": "MULTIPLE",
                    "departureDate": "2026-06-01",
                    "returnDate": "2026-06-05",
                    "departureLocation": "AMS",
                    "arrivalLocation": "CDG",
                    "destinationCountry": "FR",
                    "travelCompany": "Air Fly Inc",
                    "travelerCount": 2,
                    "buyerAmongTravelers": true,
                    "travelClass": "ECONOMY",
                    "travelInsured": true,
                    "travelDiscountVoucher": "FREEFLY20",
                    "luggageSupplement": true,
                    "travelCanBeModifiedOrCanceled": true,
                    "stayCompany": "My stay Inc",
                    "stayDestination": "Paris",
                    "stayNightsCount": 5,
                    "stayRoomRange": "4_STARS"
                }
            }
        ],
        "orderReferenceNumber": "order_acme_12345",
        "totalTaxAmount": 3000,
        "installmentPlan": {
            "numberOfInstallments": 3
        }
    },
    "autoCapture": true,
    "webhooksUrl": "https://webhook.site/50862fe4-0798-4d92-b3de-dcf1d11ba1ca"
}

Response

You'll receive our standard payment charge response with the available authentication methods:

{
    "id": "charge_cDu2vw9Rg0tRb8FzxMhfs",
    "paymentMethod": "FLOAPAY",
    "paymentMedium": "ECOMMERCE",
    "paymentProductCode": "BC3XC",
    "initiator": "MERCHANT",
    "scheduleType": "UNSCHEDULED",
    "instrumentId": "instr_GOqCIwVZ8dCtsBrm2YsBf",
    "currency": "EUR",
    "country": "FR",
    "paymentDescriptor": "Acme Webshop Says Thank You",
    "status": "AUTHENTICATION_PENDING",
    "consumer": {
        "name": "John Smith",
        "email": "[email protected]",
        "phone": "+33645678901",
        "birthDate": "1995-01-01",
        "country": "FR",
        "locale": "fr-FR",
        "client": {
            "ip": "11.22.22.33",
            "userAgent": "Mozilla/5.0 (X11; CrOS x86_64 ...) Chrome/51.0..."
        },
        "taxIdentification": "3987609881091",
        "merchantConsumerReference": "consumer_acme_12345",
        "billingAddress": {
            "firstName": "John",
            "lastName": "Smith",
            "phoneNumber": "+33645678901",
            "street": "Rue De Rivoli 1",
            "postalCode": "75001",
            "city": "Paris",
            "region": "Paris",
            "country": "FR"
        },
        "profile": {
            "createdDate": "2025-01-01",
            "firstOrderDate": "2025-01-05",
            "lastOrderDate": "2025-05-01",
            "lifetimeOrderCount": 10,
            "lifetimeOrderValue": 450000,
            "lifetimeCanceledOrderCount": 3
        }
    },
    "order": {
        "orderItems": [
            {
                "sku": "AIRFLY-1234",
                "category": "Transportation",
                "subCategory": "Airline Ticket",
                "name": "Air Fly Inc",
                "quantity": 1,
                "amount": 10000
            },
            {
                "sku": "STAY-1234",
                "category": "Accommodation",
                "subCategory": "Hotel Stay",
                "name": "My Stay Inc",
                "quantity": 1,
                "amount": 15000
            },
            {
                "sku": "PARK-1234",
                "category": "Tickets",
                "subCategory": "Amusement Park",
                "name": "My Park Inc",
                "quantity": 2,
                "amount": 20000
            }
        ],
        "shippingMethod": "TRACKED_DELIVERY",
        "shippingAddress": {
            "firstName": "John",
            "lastName": "Smith",
            "phoneNumber": "+33645678901",
            "street": "Rue de Rivoli",
            "postalCode": "75001",
            "city": "Paris",
            "region": "Paris",
            "country": "FR"
        },
        "industryData": [
            {
                "details": {
                    "travelType": "MULTIPLE",
                    "departureDate": "2026-06-01",
                    "returnDate": "2026-06-05",
                    "departureLocation": "AMS",
                    "arrivalLocation": "CDG",
                    "destinationCountry": "FR",
                    "travelCompany": "Air Fly Inc",
                    "travelerCount": 2,
                    "buyerAmongTravelers": true,
                    "travelClass": "ECONOMY",
                    "travelInsured": true,
                    "travelDiscountVoucher": "FREEFLY20",
                    "luggageSupplement": true,
                    "travelCanBeModifiedOrCanceled": true,
                    "stayCompany": "My stay Inc",
                    "stayDestination": "Paris",
                    "stayNightsCount": 5,
                    "stayRoomRange": "4_STARS"
                },
                "type": "TRAVEL"
            }
        ],
        "orderReferenceNumber": "order_acme_12345",
        "totalTaxAmount": 3000
    },
    "authenticationMethods": [
        {
            "details": {
                "requestUrl": "https://prp-payment.floa.com/shortCode/xEVVH",
                "requestMethod": "GET"
            },
            "type": "REDIRECT"
        }
    ],
    "authorizations": [
        {
            "id": "authz_fB6XDe8s0q1ENtBSeD7Qw",
            "amount": 45000,
            "status": "AUTHENTICATION_PENDING",
            "merchantPaymentChargeReference": "merch_ref_12345",
            "createdAt": "2025-09-23T21:50:52.234Z",
            "updatedAt": "2025-09-23T21:50:52.234Z"
        }
    ],
    "captures": [],
    "refunds": [],
    "discards": [],
    "voids": [],
    "createdAt": "2025-09-23T21:50:49.387Z",
    "updatedAt": "2025-09-23T21:50:52.234Z",
    "_links": {
        "authorizations": {
            "href": "/v1/payment-charges/charge_cDu2vw9Rg0tRb8FzxMhfs/authorizations"
        },
        "captures": {
            "href": "/v1/payment-charges/charge_cDu2vw9Rg0tRb8FzxMhfs/captures"
        },
        "refunds": {
            "href": "/v1/payment-charges/charge_cDu2vw9Rg0tRb8FzxMhfs/refunds"
        },
        "discards": {
            "href": "/v1/payment-charges/charge_cDu2vw9Rg0tRb8FzxMhfs/discards"
        },
        "voids": {
            "href": "/v1/payment-charges/charge_cDu2vw9Rg0tRb8FzxMhfs/voids"
        }
    }
}

Pick the desired authentication method

REDIRECT

Redirect your consumer to the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl.
For example, with the value of https://redirection-target.ppro.com/ using the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestMethod HTTP method.
The consumer will be presented with the reference number and instructions to complete the payment.

Handling the payment result

REDIRECT

After the consumer completes the payment, they are redirected to the returnUrl specified in the payment charge creation request.
Upon redirect back to your site, retrieve the latest payment status by performing a GET /v1/payment-charges/{paymentChargeId}. Use the returned status field to determine and display the final payment outcome to the consumer.
Additionally, webhooks are triggered to notify you of the payment result. This ensures you receive the outcome even if the consumer closes their browser or fails to return to your website.

Payment instrument

A PASSTHROUGH_WALLET instrument will be created.

Request

GET /v1/payment-instruments/{instrument-id}

Response

{
    "id": "instr_GOqCIwVZ8dCtsBrm2YsBf",
    "type": "PASSTHROUGH_WALLET"
}

Sandbox testing

Test card numbers

PAN	Expiry Date	CVV	Result
5017679110380400	any date, greater than last installment date	000	✅ Success
5017679100900712	any date, greater than last installment date	000	❗Failure

Additional Information

Before you go live

Consumer journey of various products can be seen here
Consider having a look at FLOA Pay's post-payment consumer experience here
Check industry-specific data requirements: Reach out to your PPRO Account Manager to confirm if there are any additional industry data specifications needed for your industry vertical. Providing these details in the order.industryData can help maximize your payment approval rates.

Branding guidelines

Discover the media kit here

Disputes & chargebacks management

A dispute occurs when a consumer disputes a payment and contacts their issuer bank or the payment method provider to initiate a chargeback. Disputes are majorly categorized into the following two groups:

Fraud-related reasons — such as lost or stolen card, unauthorized signature, Card Not Present transaction, phishing, etc. — are typically initiated by the consumer’s issuing bank with the payment method provider, on behalf of the consumer.
- In such cases, the payment method provider takes full responsibility for the confirmed fraud, and you as the merchant are not impacted.
Merchant-liability reasons — such as product not received by the consumer, unacceptable or faulty/fake goods, cancelled services or subscriptions, refunds not issued, or credits not yet received — are generally initiated either typically directly by the consumer with the payment method provider or via the issuer bank.
- In such cases, the consumer is first requested to contact the merchant directly to resolve the dispute. If the merchant does not respond within 10 days, the provider/PPRO will contact the merchant on the consumer’s behalf. If, after a further additional 10 days & with 3 reminders, the merchant still fails to respond, or if the provider/issuer rules against the merchant, the disputed amount is charged back and deducted from the merchant’s future settlement payouts.
- Merchants are strongly advised to respond within the defined timelines and provide the required information. Merchant responses are shared with the consumer, together with an invitation to resolve any remaining concerns directly.

The requirements for defending against disputes vary depending on the reason for the dispute. For all types of dispute, you must provide documents with details of transactions to help you build a strong case to challenge the dispute in your favor. Soon, you will also be able to manage the entire dispute process programmatically via the Global Dispute Platform and the Disputes API.