# Alma — Payment Provider

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.

- **Listing status:** Unclaimed — researched from public sources
- **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.
- **Fees:** 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.
- **Fee model:** subscription
- **Settlement time:** Your customers pay later and you receive the full amount immediately.
- **Categories:** traditional, regional
- **Countries served:** 10 (AT, BE, DE, ES, FR, IE, IT, LU, NL, PT)
- **Payment methods:** amex, bancontact, bnpl, cartes_bancaires, ideal, installments, mastercard, payconiq, visa

## Legal & compliance

Legal entities:
- ALMA — France — licenses: Payment Institution, FR, ACPR

1 license number and 1 register record (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/alma#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=alma&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/alma

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)