> ## Documentation Index
> Fetch the complete documentation index at: https://docs.paybyrd.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Floa

Floa is a Buy Now Pay Later (BNPL) payment solution.

Customers can split the payment for their purchases into multiple installments.

<Note>FLOA is only available in France, Portugal, Italy, Spain, Belgium, and Germany.</Note>

## 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:

### Generic shopping cart

```bash theme={null}
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"
   ]
 }
}'
```