Qitero Qitero

Alma (France)

Country: France (FR)  |  Payment Rail: bnpl

BNPL Market Adoption: 45%

Alma is France's leading BNPL provider offering 2x, 3x, 4x interest-free installment options with auto-debit.

🔄 User Payment Flow

  1. Customer selects Alma Pay in 3x or 4x at checkout
  2. Customer enters mobile number and card details
  3. Alma approves transaction in real-time and debits first installment
  4. Merchant receives 100% order payout while Alma collects remaining installments automatically

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRNO
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API calls acquiring gateway (Stripe / Adyen / Alma API) for session payload
  • PSP issues payment token and Alma hosted checkout URL
  • PSP receives Alma clearing webhook notification