Floa is a straightforward and highly flexible Buy Now Pay Later (BNPL) payment solution, designed to streamline financial transactions.

With this option, customers have the freedom to split the payment for their purchases into multiple installments, rather than paying the full amount all at once.

This approach not only increases sales conversion but also significantly enhances the shopping experience, providing convenience and financial control to consumers.

🚧

FLOA is only available in France, Portugal, Italy, Spain, Belgium, and Germany.


How it works

When choosing Floa payment, we redirect the customer to the Floa checkout page, that way, the customer just puts the card info and makes the payment. As soon as the payment has been done, the customer will be redirected to Paybyrd's system, where we will check the transaction status and tell the good news: "Your payment was a success".



We provide the following Floa payment methods:

Payment in 3 times (FLOA3X)

The customer pays his order in 3 installments, each 30 days apart.

Payment in 4 times (FLOA4X)

The customer pays his order in 4 separate installments of 30 days each.

Deferred cash payment (FLOA1XD)

The customer pays his order one time with deferred payment from 1 to 30 days for France only. For other countries, deferred payment must only be in 14 or 30 days.


Create order

You can see below the simplest example of how to create an order and the generated response:

curl --request POST \
  --url https://gateway.paybyrd.com/api/v2/orders \
  --header 'Accept: application/json' \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: 5E37D19C-F99C-445F-8B77-1463EFC66C7B' \
  --data '
{
    "marketId": "PT",
    "isoAmount": 5000,
    "orderRef": "New Order",
    "currency": "EUR",
    "orderOptions": {
        "culture": "en-US"
    },
    "shopper": {
        "email": "[email protected]",
        "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": [
            "CARD"
        ]
    }
}
{
    "orderDate": "2024-05-06T18:03:45Z",
    "status": "created",
    "checkoutUrl": "https://link-s.paybyrd.com/chk_KydBswaR5",
    "tags": 0,
    "index": 1,
    "transactions": [],
    "orderId": "4d438d44-5609-4aic-ac5d-a948c7e39455",
    "amount": "5000",
    "currency": "EUR",
    "orderRef": "New Order",
    "shopper": {
        "customReference": "spiderman",
        "shopperId": "ecbd5431-af46-4c3e-9e0c-0117671fd907",
        "email": "[email protected]",
        "firstName": "Peter",
        "lastName": "Parker",
        "phoneCountryCode": 351,
        "phoneNumber": "999999999",
        "shippingAddress": "Av. Guerra Junqueiro 2A",
        "shippingPostalCode": "1000167",
        "shippingCity": "Lisbon",
        "shippingState": "LB",
        "shippingCountry": "PRT",
        "homeAddress": "Rua Rodrigo da Fonseca, 15 - 3H",
        "homePostalCode": "1250189",
        "homeCity": "Lisbon",
        "homeCountry": "PRT",
        "shippingType": "Undefined",
        "firstPurchaseDate": "2023-12-19T19:30:00+00:00",
        "lastPurchaseDate": "2023-12-19T19:30:00+00:00"
    },
    "orderOptions": {
        "redirectUrl": "https://paybyrd.com/",
        "culture": "en-US",
        "sendBy": []
    },
    "paymentOptions": {
        "useSimulated": true,
        "cardOptions": {
            "isPreAuth": false,
            "isDccEnabled": false
        },
        "tokenOptions": {
            "tokenizationMethod": "none"
        },
        "allowedPaymentMethods": [
            "Card"
        ]
    },
    "terminalOptions": {
        "notifyChanges": false
    },
    "shoppingCart": {
        "items": [
            {
                "amount": 5000,
                "categories": [
                    "Category 2",
                    "Category 1"
                ],
                "description": "Web launcher",
                "shipping": {
                    "shippingMethod": "STD"
                },
                "type": "Product"
            }
        ]
    },
    "marketId": "PT",
    "code": "BYRD200",
    "description": "Operation successfully completed",
    "checkoutKey": "eyJPcmRlcklkIjoiNGQ0MzhkNDQtNTYwOS00YWRjLWFjNWQtYTk0OGM3ZTM5NDU1IiwiT3JkZXJSZWYiOiJOZXcgT3JkZXIiLCJQZXJzb25JZCI6MzMwOCwiTGl2ZSI6ZmFsc2UsIkVudGl0eUlkIjoiNGQ0MzhkNDQtNTYwOS00YWRjLWFjNWQtYTk0OGM3ZTM5NDU1IiwiQW1vdW50IjoiMjUwMC4wMCIsIkN1cnJlbmN5IjoiRVVSIn0="
}

See the full API reference here.


Create payment from order

You can see below the simplest example of how to create a Floa payment with a Checkout Key and the generated response:

curl --request POST \
  --url https://gateway.paybyrd.com/api/v2/payment?checkoutKey=eyJPcmRlcklkIjoiNGQ0MzhkNDQtNTYwOS00YWRjLWFjNWQtYTk0OGM3ZTM5NDU1IiwiT3JkZXJSZWYiOiJOZXcgT3JkZXIiLCJQZXJzb25JZCI6MzMwOCwiTGl2ZSI6ZmFsc2UsIkVudGl0eUlkIjoiNGQ0MzhkNDQtNTYwOS00YWRjLWFjNWQtYTk0OGM3ZTM5NDU1IiwiQW1vdW50IjoiMjUwMC4wMCIsIkN1cnJlbmN5IjoiRVVSIn0%3D \
  --header 'Accept: application/json' \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: 5E37D19C-F99C-445F-8B77-1463EFC66C7B' \
  --data '
{
    "type": "BNPL",
    "amount": "50.00",
    "currency": "EUR",
    "culture": "en-US",
    "brand": "FLOA3X",
    "salesChannel": "Desktop",
    "orderRef": "New Order",
    "shopper": {
        "phoneCountryCode": 351,
        "phoneNumber": "11953259340",
        "email": "[email protected]",
        "firstName": "Peter",
        "lastName": "Parker",
        "homeAddress": "Rua Rodrigo da Fonseca, 15 - 3H",
        "homeCountry": "PRT",
        "homePostalCode": "1250-189",
        "homeCity": "Lisbon",
        "civility": "Mr",
        "birthName": "Peter",
        "birthDate": "1962-08-01",
        "documentNumber": "123456789",
        "birthPostalCode": "99"
    }
}'
{
    "culture": "en-US",
    "salesChannel": "Desktop",
    "type": "Bnpl",
    "currency": "EUR",
    "orderRef": "New Order",
    "brand": "FLOA3X",
    "paymentMethod": "floa",
    "redirectUrl": "https://paybyrd.com/",
    "action": {
        "type": "redirect",
        "url": "https://webapp-redirect-api-stg.azurewebsites.net/api/v1/Redirect/8cc2ee46-0380-4687-b56b-0079f4c53850"
    },
    "shopper": {
        "customReference": "spiderman",
        "email": "[email protected]",
        "firstName": "Peter",
        "lastName": "Parker",
        "birthName": "Peter",
        "birthDate": "1962-08-01T00:00:00",
        "birthPostalCode": "99",
        "civility": "Mr",
        "phoneCountryCode": 351,
        "phoneNumber": "11953259340",
        "ipAddress": "189.113.67.75",
        "shippingAddress": "Av. Guerra Junqueiro 2A",
        "shippingPostalCode": "1000167",
        "shippingCity": "Lisbon",
        "shippingCountry": "PRT",
        "homeAddress": "Rua Rodrigo da Fonseca, 15 - 3H",
        "homePostalCode": "1250-189",
        "homeCity": "Lisbon",
        "homeCountry": "PRT",
        "documentNumber": "123456789",
        "firstPurchaseDate": "2023-12-19T19:30:00+00:00",
        "lastPurchaseDate": "2023-12-19T19:30:00+00:00"
    },
    "code": "BYRD207",
    "description": "Pending redirect",
    "status": "Processing",
    "requestId": "4fc10ecd-46b1-4e0e-8702-40f62e3d2e24",
    "ipAddress": "139.113.64.75",
    "externalTransactionIdentifier": "0c3b24c9-97b6-4b3f-8f0d-556ea38fabb2",
    "marketId": "PT",
    "transactionId": "8cc2ee46-0380-4687-b56b-0079f4c53850",
    "amount": "50.00",
    "isoAmount": 5000
}

See the full API reference here.

In order to know whether the transaction was accepted or not, you must check the code field. For successful scenarios, the expected code is BYRD207. You can find here the list of all possible codes