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Alma

Alma is a French authorised payment institution that lets merchants offer buy-now-pay-later options: payment in 2, 3 or 4 instalments, 10 or 12 instalments, and pay later at 15 or 30 days. Merchants are paid upfront with payment guaranteed, and Alma handles collection from customers. It works online, in store via payment links or terminals, and for call-centre sales, and integrates with PSPs including Stripe, Adyen and Mollie.

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Fees from
Standard offer (up to €1M of turnover): No set-up fees or monthly fees. Payment in 2 instalments: 3,60% HT (no fee sharing with the customer); with fee sharing, your fees 0,71% HT, max fees 2,89% HT. Pay Later (payment 15 days later): 4,20% HT; with fee sharing, your fees 0,71% HT, max fees 3,49% HT. These rates may be adjusted according to the risk identified; an automatic increase in rates applies when the buyer uses an American Express card or a business card. Customized offer (over €1M of turnover): decreasing rates according to volumes.
Settlement
Your customers pay later and you receive the full amount immediately.
Coverage
10 countries
Payment methods
9
Dev tools
Sandbox Webhooks

Fees shown are indicative, not a binding quote — always verify with Alma before signing. Visit Website is an external link; we may earn a commission.

Alma overview

Best for

European online and in-store retailers, including those selling higher-value goods, that want to offer guaranteed instalment or pay-later options to customers.

Alma pricing & fees

Pricing structure

Pricing
Standard offer (up to €1M of turnover): No set-up fees or monthly fees. Payment in 2 instalments: 3,60% HT (no fee sharing with the customer); with fee sharing, your fees 0,71% HT, max fees 2,89% HT. Pay Later (payment 15 days later): 4,20% HT; with fee sharing, your fees 0,71% HT, max fees 3,49% HT. These rates may be adjusted according to the risk identified; an automatic increase in rates applies when the buyer uses an American Express card or a business card. Customized offer (over €1M of turnover): decreasing rates according to volumes.
Your business must be registered in
Not disclosed

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Alma settlement & payouts

Payouts

Settlement time
Your customers pay later and you receive the full amount immediately.
Settlement currencies
Not collected yet

Alma API & integration

API Profile

Sandbox
Not listed
Webhooks
Not listed

Alma coverage & payment methods

Supported countries

10 countries
ATBEDEESFRIEITLUNLPT

Payment methods

AmexBancontactBnplCartes BancairesIdealInstallmentsMastercardPayconiqVisa

Alma licensing & compliance

Legal & Compliance

Licensed entity · regulatorily responsible

ALMA

France

Licenses

Payment Institution FR

Authorised Payment Institution (FR)

Autorité de contrôle prudentiel et de résolution (France)

License numbers & register records

1 license number · 1 register record on file for Alma, with status history and links to verify each one at the regulator — free with a PaymentProviders account.

Log in — it's free

Using ChatGPT or Claude? Ask it to prepare your application to Alma. It can fill in your business profile for you, and you review and sign it here — nothing is sent before that. How assistants do it

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