FLOA Pay: The Complete Buy Now Pay Later Solution for Odoo
FLOA Pay is a subsidiary of BNP Paribas and one of Europe's leading Buy Now Pay Later platforms, trusted by major retailers like Cdiscount, Boulanger, and Fnac Darty. With our FLOA Pay module developed by DevTalents, integrate the full FLOA Pay API with OAuth2 authentication directly into your Odoo store.
This module offers 35 payment methods across 7 European countries, including split payments in 3x, 4x, and 10x installments, deferred Pay Later options, instant Pay Now, and IBAN monthly installment plans — all with a built-in installment widget that shows customers their payment options in real time.
Why Choose FLOA Pay?
FLOA Pay is backed by BNP Paribas and serves millions of consumers across Europe, making it one of the most trusted BNPL solutions on the market.
A subsidiary of one of Europe's largest banks, providing institutional-grade trust and financial stability.
France, Spain, Italy, Belgium, Portugal, Netherlands, and Germany — with localized payment methods for each market.
BNPL options increase average order value by up to 45% and reduce cart abandonment significantly.
Secure OAuth2 client credentials authentication with hosted payment pages — no sensitive card data touches your server.
35 Payment Methods Across 7 Countries
Our module supports the full range of FLOA Pay installment and deferred payment options:
Pay in 3x
Split your purchase into 3 monthly installments — with or without fees
Pay in 4x
Split your purchase into 4 monthly installments — with or without fees
Pay in 10x
Spread your payment over 10 months — ideal for larger purchases (France)
Pay Later
Defer payment by 1 to 90 days — buy today, pay later (France)
Pay Now
Full instant payment via FLOA — simple and secure checkout (France)
IBAN Installments
Monthly IBAN direct debit from 3 to 84 months — for high-value orders (France)
IBAN 12x / 18x / 24x
Fixed monthly IBAN plans over 12, 18, or 24 months (France)
Multi-Country
Localized 3x & 4x installments for FR, ES, IT, BE, PT, NL, DE
European Coverage
FLOA Pay adapts to each market with localized payment methods, amount limits, and regulatory compliance:
| Country | Methods Available | Amount Range |
|---|---|---|
| 🇫🇷 France | 3x, 4x, 10x, Pay Later, Pay Now, IBAN (3-84 months) | EUR 1 — 75,000 |
| 🇪🇸 Spain | 3x, 4x | EUR 50 — 2,499 |
| 🇮🇹 Italy | 3x, 4x | EUR 75 — 6,000 |
| 🇧🇪 Belgium | 3x | EUR 50 — 6,000 |
| 🇵🇹 Portugal | 3x, 4x (free) | EUR 50 — 2,500 |
| 🇳🇱 Netherlands | 3x, 4x | EUR 50 — 6,000 |
| 🇩🇪 Germany | 3x, 4x | EUR 50 — 3,000 |
Technical Overview
| Feature | Details |
|---|---|
| API | FLOA Pay REST API (JSON-based) |
| Authentication | OAuth2 client_credentials (Client ID + Client Secret) |
| Payment Flow | Hosted Payment Page — secure redirect to FLOA |
| Security | OAuth2 Bearer tokens, TLS encryption, no card data on your server |
| Webhook | Real-time server-to-server notifications + browser return URL |
| Installment Widget | Built-in FLOA widget on product pages, cart, and checkout — dynamic pricing |
| Data Normalization | Automatic phone (E.164), zip code, and customer name normalization |
| Customer Portal | FLOA fields (civility, birth date, birth department) on /my/account |
| Test Mode | Sandbox environment with test credentials and test cards |
| Coverage | France Spain Italy Belgium Portugal Netherlands Germany |
| Dependencies | No external Python library required |
Built-in Installment Widget
Our module includes the official FLOA Pay installment widget, giving your customers full transparency on available payment plans before they even reach checkout.
Show installment options directly on each product page — customers see "from X EUR/month" instantly.
Widget auto-updates as cart total changes, showing available plans and monthly amounts in real time.
Widget automatically adapts to the customer's language — French, Spanish, Italian, Portuguese, Dutch, German, or English.
Widget loads automatically based on your FLOA provider settings — sandbox or production, with correct offers and limits.
How It Works
A seamless, fully automated payment flow:
Choose from 3x, 4x, 10x, Pay Later, Pay Now, or IBAN installments at checkout.
Odoo validates customer data, creates an OAuth2 deal, and redirects to FLOA's hosted payment page.
Customer completes payment on FLOA (ID verification for large amounts) and returns to Odoo.
Webhook + return URL ensure your Odoo transaction is always up to date — even if the browser is closed.
Smart Data Handling
Our module automatically normalizes customer data to meet FLOA's strict requirements:
Automatically converts any phone format to E.164 international standard (+33612345678). Supports all 7 country dial codes.
Strips non-digit characters and pads French zip codes to exactly 5 digits — preventing FLOA validation errors.
Intelligently splits full names into first and last name using Odoo's built-in utility — no empty fields sent to FLOA.
Validates required fields (civility, birth date, phone) and amount limits before contacting FLOA — clear error messages guide the customer.
Customer Portal Integration
Three dedicated fields are added to the customer portal at /my/account, allowing customers to enter their FLOA-required information before checkout:
Civility
Mr, Mrs, or Ms — required by FLOA for identity verification
Date of Birth
Required for credit scoring and regulatory compliance
Birth Department
French department code at birth (e.g. 75 for Paris) — required for France only
Ready to Offer Buy Now Pay Later in Your Odoo Store?
Get our FLOA Pay module and boost your conversion rates with 35 installment payment methods across 7 European countries.
Need other payment solutions?
If you're looking to integrate a payment method not yet available in Odoo, don't hesitate to contact us. We are experts in developing Odoo payment modules tailored to your business needs.