About
Alma is a French buy-now-pay-later provider run by Alma SAS of Neuilly-sur-Seine, founded in 2017 and licensed by the ACPR since 2021 as both a payment institution and a financing company. Shoppers choose it at online or in-store checkout and pay with their bank card in 2, 3 or 4 instalments, or defer payment by 15 days, with no late penalties; the merchant pays a per-transaction commission and is guaranteed full payment. Longer 10- or 12-instalment plans are regulated credit granted by Alma itself after a bank-account solvency check. Alma reported €2.5 billion in transaction volume and 23,000 merchants across about 10 European countries for 2025.
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