Floa is a Buy Now Pay Later (BNPL) payment solution.
Customers can split the payment for their purchases into multiple installments.
FLOA is only available in France, Portugal, Italy, Spain, Belgium, and Germany.
How it works
Floa is a synchronous payment method — no redirect occurs. The customer fills in the required fields and submits the payment. Paybyrd processes the request and returns a success or failure response directly, without redirecting to an external page.
If shopper information is provided in the order, the payment form fields are pre-filled, though the customer must still confirm and submit.
We provide the following Floa payment methods:
Payment in 3 times (FLOA3X)
The customer pays their order in 3 installments, each 30 days apart.
Payment in 4 times (FLOA4X)
The customer pays their order in 4 installments, each 30 days apart.
Deferred cash payment (FLOA1XD)
The customer pays their order in a single deferred payment. In France, deferral can be between 1 and 30 days. In all other supported countries, deferral must be either 14 or 30 days.
Create order
The following example shows how to create an order and the response it generates:
curl --request POST \
--url https://gateway.paybyrd.com/api/v2/orders \
--header 'Accept: application/json' \
--header 'Content-Type: application/json' \
--header 'x-api-key: {your_api_key}' \
--data '
{
"marketId": "PT",
"isoAmount": 5000,
"orderRef": "New Order",
"currency": "EUR",
"orderOptions": {
"culture": "en-US"
},
"shopper": {
"email": "peter@parker.com",
"firstName": "Peter",
"lastName": "Parker",
"phoneCountryCode": 351,
"phoneNumber": "999999999",
"homeAddress": "Rua Rodrigo da Fonseca, 15 - 3H",
"homePostalCode": "1250189",
"homeCity": "Lisbon",
"homeCountry": "PRT",
"ipAddress": "192.168.0.1",
"firstPurchaseDate": "2023-12-19T19:30:00Z",
"lastPurchaseDate": "2023-12-19T19:30:00Z",
"shippingAddress": "Av. Guerra Junqueiro 2A",
"shippingPostalCode": "1000167",
"shippingCity": "Lisbon",
"shippingState": "LB",
"shippingCountry": "PRT",
"customReference": "spiderman"
},
"shoppingCart": {
"items": [
{
"description": "Web launcher",
"amount": 5000,
"categories": [
"Category 2",
"Category 1"
],
"shipping": {
"shippingMethod": "STD"
},
"type": "Product"
}
]
},
"paymentOptions": {
"allowedPaymentMethods": [
"FLOA3X",
"FLOA4X",
"FLOA1XD"
]
}
}'
