Alma

Alma lets merchants offer their customers payment in instalments or later, online and in store. Shoppers can pay in two, three or four instalments, spread bigger purchases over ten or twelve, or pay 15 or 30 days later, while the merchant is paid immediately and the payment is guaranteed. Alma also has an app where customers keep track of all their payments, and it supports international expansion for merchants. It serves France, Belgium, Luxembourg, the Netherlands, Spain, Italy, Germany and Portugal.