Why should I use FLOA, the split payment solution from BNP Paribas?


In a world of constant technological change, traditional payment methods are rapidly being replaced by smarter, more efficient solutions. Among these innovations, FLOA, developed by BNP Paribas, stands out as a revolutionary payment solution, offering a frictionless experience for consumers and businesses. In this article, we take an in-depth look at what FLOA is, its benefits, its payment flexibility, its ability to accommodate even the largest amounts, and its unrivalled security.



FLOA in 5 questions

  • What is FLOA?

FLOA, short for « Flexible Online Advanced », is a payment solution developed by BNP Paribas, one of the world’s leading financial institutions. Designed to meet the needs of modern businesses and consumers, FLOA offers an innovative approach to the online payment process. It allows you to make transactions securely, quickly and seamlessly, while offering unprecedented flexibility.

  • What are the advantages of using this payment solution?

The advantages of FLOA are many and varied. Firstly, it offers an optimal user experience, with simple and intuitive payment processes. You also benefit from increased flexibility, with the possibility of choosing from several payment options, including payment in 3 or 4 instalments. What’s more, FLOA incorporates advanced features such as expense management and automatic invoicing, simplifying financial management for users and businesses alike.

  • How many times can customers pay?

As we’ve just said, one of FLOA’s distinctive features is its ability to offer flexible payment options. You can choose to pay in one lump sum or spread your payment over three or four instalments, depending on your preferences and needs. This greater flexibility allows you to manage your budget better and make major purchases without undue financial constraints… the ideal option for a family holiday!

  • Why is it suitable even for large amounts?

Unlike many online payment solutions, FLOA is perfectly suited to even the largest amounts. Thanks to its ability to offer staggered payments, you can make large purchases while spreading the payments over a longer period of time. This feature is particularly advantageous for purchases of high-value goods such as household appliances, furniture or even trips – like your next holiday with your children, for example – giving you valuable financial flexibility.

  • Why is it safe to use FLOA?

Security is a top priority for BNP Paribas, and FLOA is no exception. This payment solution uses state-of-the-art security protocols to guarantee the protection of users’ personal and financial data. It also incorporates identity verification and fraud detection features to prevent fraudulent activity. By choosing FLOA, you can enjoy welcome peace of mind when you’re planning your holidays!



The benefits of FLOA

  • Transaction security: FLOA offers enhanced security for online transactions, which is essential when making payments for holiday bookings, often involving considerable amounts of money.
  • Ease of use: With a user-friendly interface, FLOA makes the payment process for holiday bookings simple and intuitive, allowing users to finalise their transactions quickly and hassle-free.
  • Fast processing: Transactions made via FLOA are generally processed quickly, which is particularly useful when booking holidays at the last minute or where strict payment deadlines are in place.
  • Cross-platform compatibility: FLOA is compatible with a variety of devices and operating systems, meaning users can make holiday booking payments from their computer, smartphone or tablet, wherever they are.
  • Diverse payment options: FLOA supports a variety of payment methods, giving users the flexibility to choose the one that suits them best, whether by credit card, bank transfer or e-wallet.
  • Ability to track spending: By using FLOA to pay for holiday bookings, users benefit from the ability to track their spending through transaction history, which can be useful for managing their travel budget.


Why use FLOA to book holidays with Little Guest?

As an individual, there are several advantages to using FLOA to pay for your holiday bookings. When you book your holiday with Little Guest, you now have the option of paying in 3 or 4 instalments. But that’s not all! You’ll also benefit from the following advantages

  • Immediate response throughout your purchase process
  • After-sales service available online, in-store and via our call centre
  • Organisation of payment in instalments in just a few clicks
  • Refunds for cancelled orders


Our entire team of Travel Designers will be happy to help you book your next family holiday!

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