{"id":267589,"date":"2026-10-13T20:16:36","date_gmt":"2026-10-13T18:16:36","guid":{"rendered":"https:\/\/www.ecomstream.eu\/?page_id=267589"},"modified":"2026-10-13T20:16:36","modified_gmt":"2026-10-13T18:16:36","slug":"floa-pay","status":"publish","type":"page","link":"https:\/\/www.ecomstream.eu\/fr\/moyens-de-paiement\/floa-pay\/","title":{"rendered":"FLOA Pay"},"content":{"rendered":"\n\n<div class=\"et_pb_section_0 et_pb_section et_section_regular et_block_section es-page-sec\">\n<div class=\"et_pb_row_0 et_pb_row et_block_row\">\n<div class=\"et_pb_column_0 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_code_0 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><div class=\"es-page\">\n<section class=\"hero\">\n  <div class=\"wrap\">\n    <div class=\"h1row\"><h1>Accepter FLOA Pay en tant que marchand<\/h1><\/div>\n    <div class=\"body\"><p>FLOA Pay est le produit de paiement fractionn\u00e9 de FLOA, un \u00e9tablissement de cr\u00e9dit fran\u00e7ais bas\u00e9 \u00e0 Bordeaux, filiale \u00e0 100 % de BNP Paribas, dont il a int\u00e9gr\u00e9 le groupe en f\u00e9vrier 2022. Le client paie en trois ou quatre fois, en une fois 30 jours plus tard, ou en 10 \u00e0 48 mensualit\u00e9s sous forme de cr\u00e9dit \u00e0 la consommation. FLOA prend la d\u00e9cision de cr\u00e9dit et le risque d'impay\u00e9. Il est propos\u00e9 aux clients en France, en Belgique, en Espagne, en Italie et au Portugal. Pour un commer\u00e7ant, un choix fixe le prix : qui paie les frais de l'\u00e9ch\u00e9ancier, le client ou vous.<\/p><style>.rpti-naar{display:flex!important;align-items:center;gap:14px;margin:24px 0 0;padding:16px 18px;background:#fff;border:1px solid #e2ebd8!important;border-top:3px solid #9bcc3a!important;border-radius:10px;text-decoration:none!important;color:#222e34!important;box-shadow:0 6px 18px rgba(28,46,49,.06);max-width:640px}.rpti-naar .ic{flex:0 0 auto;width:44px;height:44px;border-radius:10px;background:#eef6e3;display:flex;align-items:center;justify-content:center}.rpti-naar .t{flex:1;display:flex;flex-direction:column;gap:3px;font-size:16px;line-height:1.35}.rpti-naar .t strong{font-weight:700}.rpti-naar .t .s{color:#56656e;font-size:14px;font-weight:400}.rpti-naar .r{flex:0 0 auto;width:40px;height:40px;border-radius:50%;background:#222e34;color:#9bcc3a;display:flex;align-items:center;justify-content:center;font-size:18px;font-weight:700;transition:transform .2s}.rpti-naar{flex-wrap:wrap;row-gap:14px}.rpti-naar .knop{flex:1 0 100%;display:flex;align-items:center;justify-content:center;gap:10px;box-sizing:border-box;min-height:48px;padding:0 22px;border-radius:8px;background:#222e34;color:#fff;font-weight:700;font-size:16px}.rpti-naar .knop::after{content:\"\\2193\";color:#9bcc3a;font-size:18px;transition:transform .2s}@media(min-width:768px){.rpti-naar{flex-wrap:nowrap}.rpti-naar .knop{flex:0 0 auto}}.rpti-naar:hover{border-color:#9bcc3a!important}.rpti-naar:hover .knop{background:#2f3e46}.rpti-naar:hover .knop::after{transform:translateY(2px)}.rpti-naar:focus-visible{outline:3px solid #9bcc3a;outline-offset:2px}<\/style><a class=\"rpti-naar\" href=\"#rpti-mt-floa-pay\"><span class=\"ic\"><svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#3a6f1c\" stroke-width=\"2\" aria-hidden=\"true\" focusable=\"false\"><rect x=\"3\" y=\"4\" width=\"18\" height=\"16\" rx=\"2\"\/><path d=\"M3 9h18M9 9v11\"\/><\/svg><\/span><span class=\"t\"><strong>Tarifs publi\u00e9s pour FLOA Pay<\/strong><span class=\"s\">Par prestataire, pays et canal, plus bas sur cette page<\/span><\/span><span class=\"knop\">Voir les tarifs<\/span><\/a><script>(function(){var a=document.currentScript&&document.currentScript.previousElementSibling;if(a&&a.tagName!==\"A\"){a=a.querySelector(\"a\");}if(!a){return;}a.addEventListener(\"click\",function(e){if(e.button!==0||e.metaKey||e.ctrlKey||e.shiftKey||e.altKey){return;}var id=a.getAttribute(\"href\").slice(1),doel=document.getElementById(id);if(!doel){return;}e.preventDefault();var kop=doel.querySelector(\"h2\")||doel;function kopruimte(){var h=0;var els=document.querySelectorAll(\"#main-header,.et-l--header,header\");for(var i=0;i<els.length;i++){var s=getComputedStyle(els[i]);if(s.position===\"fixed\"||s.position===\"sticky\"){var r=els[i].getBoundingClientRect();if(r.bottom>h&&r.top<=0+1){h=r.bottom;}}}return h+16;}function eind(){return kop.getBoundingClientRect().top+window.pageYOffset-kopruimte();}function klaar(){if(!kop.hasAttribute(\"tabindex\")){kop.setAttribute(\"tabindex\",\"-1\");}try{kop.focus({preventScroll:true});}catch(x){}if(history.replaceState){history.replaceState(null,\"\",\"#\"+id);}}var stil=window.matchMedia&&window.matchMedia(\"(prefers-reduced-motion: reduce)\").matches;var y0=window.pageYOffset,afst=Math.abs(eind()-y0);if(stil||afst<10){window.scrollTo({top:eind(),left:0,behavior:\"instant\"});klaar();return;}var duur=Math.max(700,Math.min(2000,afst\/3)),t0=null,stop=false;function halt(){stop=true;}[\"wheel\",\"touchstart\",\"keydown\",\"mousedown\"].forEach(function(n){window.addEventListener(n,halt,{passive:true,once:true});});function ease(t){return t<.5?4*t*t*t:1-Math.pow(-2*t+2,3)\/2;}function stap(ts){if(stop){return;}if(t0===null){t0=ts;}var p=Math.min(1,(ts-t0)\/duur);window.scrollTo({top:y0+(eind()-y0)*ease(p),left:0,behavior:\"instant\"});if(p<1){requestAnimationFrame(stap);}else{klaar();}}requestAnimationFrame(stap);});})();<\/script><\/div>\n  <\/div>\n<\/section>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"et_pb_section_1 et_pb_section et_section_regular et_block_section es-page-sec\">\n<div class=\"et_pb_row_1 et_pb_row et_block_row\">\n<div class=\"et_pb_column_1 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_code_1 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><div class=\"es-page\">\n<section class=\"sec\">\n  <div class=\"wrap\">\n    <h2>Comment accepter FLOA Pay en tant que marchand<\/h2>\n    <div class=\"rule\"><\/div>\n    <div class=\"body\"><p>Vous pouvez contracter directement avec FLOA, en tant que marchand FLOA Pay, et l'int\u00e9grer par son API, ou le recevoir par un PSP qui le propose. Les voies diff\u00e8rent par la partie qui d\u00e9tient les conditions commerciales. Computop demande votre propre compte marchand FLOA Pay et les identifiants du back-office FLOA, le tarif se fixe donc entre vous et FLOA. Pay. active FLOA dans son propre espace d'administration, et PayPal publie FLOA Pay dans ses grilles tarifaires, le prix y est donc celui du PSP.<\/p><p>La premi\u00e8re question est donc structurelle. Avec votre propre compte FLOA, vous n\u00e9gociez avec le pr\u00eateur. Par un PSP qui le revend, vous n\u00e9gociez avec le PSP, sur un tarif catalogue qui contient d\u00e9j\u00e0 la part de FLOA.<\/p><\/div>\n  <\/div>\n<\/section>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"et_pb_section_2 et_pb_section et_section_regular et_block_section es-page-sec\">\n<div class=\"et_pb_row_2 et_pb_row et_block_row\">\n<div class=\"et_pb_column_2 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_code_2 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><div class=\"es-page\">\n<section class=\"sec paper\">\n  <div class=\"wrap\">\n    <p class=\"eyebrow\">Cr\u00e9dit<\/p>\n    <h2>FLOA pr\u00eate au client et vous verse la valeur de la commande<\/h2>\n    <div class=\"rule\"><\/div>\n    <div class=\"body\"><p>Les conditions fran\u00e7aises de FLOA pour le paiement diff\u00e9r\u00e9 et le paiement en trois ou quatre fois d\u00e9crivent chaque plan comme une op\u00e9ration de cr\u00e9dit de FLOA en qualit\u00e9 d'\u00e9tablissement de cr\u00e9dit. Les \u00e9ch\u00e9ances sont pr\u00e9lev\u00e9es sur le compte de paiement adoss\u00e9 \u00e0 la carte Visa ou Mastercard du client, et la dur\u00e9e entre la premi\u00e8re et la derni\u00e8re \u00e9ch\u00e9ance est de trois mois au plus. Computop indique qu'apr\u00e8s une v\u00e9rification de cr\u00e9dit, FLOA assume la totalit\u00e9 du risque d'impay\u00e9 du client, et que le commer\u00e7ant re\u00e7oit le montant total apr\u00e8s la capture. Un paiement \u00e9choue lorsque FLOA n'accepte pas la demande de cr\u00e9dit.<\/p><p>Les conditions placent les plans de trois mois hors des articles L.312-1 \u00e0 L.312-94 du Code de la consommation, au motif que le remboursement ne d\u00e9passe pas trois mois et que les frais sont n\u00e9gligeables. Les plans de 10 \u00e0 48 mois sont un cr\u00e9dit affect\u00e9, avec pi\u00e8ces justificatives et acceptation apr\u00e8s expiration du d\u00e9lai l\u00e9gal de r\u00e9tractation. La directive (UE) 2023\/2225 s'applique \u00e0 partir du 20 novembre 2026 et pr\u00e9voit que le paiement diff\u00e9r\u00e9 de type buy now, pay later entre dans son champ.<\/p><\/div>\n  <\/div>\n<\/section>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"et_pb_section_3 et_pb_section et_section_regular et_block_section es-page-sec\">\n<div class=\"et_pb_row_3 et_pb_row et_block_row\">\n<div class=\"et_pb_column_3 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_code_3 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><div class=\"es-page\">\n<section class=\"sec\">\n  <div class=\"wrap\">\n    <h2>O\u00f9 FLOA Pay est utilis\u00e9, en ligne et en magasin<\/h2>\n    <div class=\"rule\"><\/div>\n    <div class=\"body\"><p>FLOA indique qu'une seule solution de paiement fractionn\u00e9 couvre la France, la Belgique, l'Espagne, l'Italie et le Portugal. Il fixe des fourchettes de panier par produit : de 50 \u00e0 6 000 euros en trois et quatre fois, de 200 \u00e0 75 000 euros en 10 \u00e0 48 fois, et de 30 \u00e0 1 000 euros pour le paiement \u00e0 30 jours. FLOA indique compter plus de 4 millions de clients.<\/p><p>En magasin, le client paie en plusieurs fois directement sur place, selon FLOA. Les conditions fran\u00e7aises r\u00e9servent les plans de trois mois aux personnes majeures r\u00e9sidant en France, titulaires d'une carte Visa ou Mastercard \u00e0 leur nom. L'\u00e9ligibilit\u00e9 est donc fix\u00e9e pays par pays par les conditions de FLOA, et non par votre checkout.<\/p><\/div>\n  <\/div>\n<\/section>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"et_pb_section_4 et_pb_section et_section_regular et_block_section es-page-sec\">\n<div class=\"et_pb_row_4 et_pb_row et_block_row\">\n<div class=\"et_pb_column_4 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_code_4 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><div class=\"es-page\">\n<section class=\"sec paper\">\n  <div class=\"wrap\">\n    <p class=\"eyebrow\">Tarif<\/p>\n    <h2>FLOA ne publie pas de tarif marchand, PayPal en publie deux<\/h2>\n    <div class=\"rule\"><\/div>\n    <div class=\"body\"><p>Le site marchand de FLOA ne donne aucun tarif. Par un PSP, le tarif est publi\u00e9. PayPal publie 5,49 % plus 0,35 euro pour FLOA Pay lorsque le plan porte int\u00e9r\u00eats pour le consommateur, et 6,50 % plus 0,35 euro lorsqu'il est sans int\u00e9r\u00eats pour le consommateur. Pay. publie 5,54 % plus 0,15 euro pour la France, l'Italie, l'Espagne et le Portugal et 5,21 % plus 0,15 euro pour la Belgique, avec l'offre Professional \u00e0 35 euros par mois.<\/p><p>Sur une commande de 300 euros, cela repr\u00e9sente 16,82 euros chez PayPal lorsque le client paie les frais, 19,85 euros lorsque le client ne paie rien, et 16,77 euros chez Pay. pour un client fran\u00e7ais. Ce sont des tarifs catalogue publi\u00e9s, et la comparaison est une illustration ; ce que vous payez r\u00e9ellement est fix\u00e9 par le tarif propos\u00e9.<\/p><\/div>\n  <\/div>\n<\/section>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"et_pb_section_5 et_pb_section et_section_regular et_block_section es-page-sec\">\n<div class=\"et_pb_row_5 et_pb_row et_block_row\">\n<div class=\"et_pb_column_5 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_code_5 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><div class=\"es-page\">\n<section class=\"sec\">\n  <div class=\"wrap\">\n    <p class=\"eyebrow\">Frais<\/p>\n    <h2>Un plan sans frais pour le client porte un tarif marchand plus \u00e9lev\u00e9<\/h2>\n    <div class=\"rule\"><\/div>\n    <div class=\"body\"><p>Les conditions de FLOA pr\u00e9voient chaque plan court en deux versions : avec des frais n\u00e9gligeables \u00e0 la charge du client, ou sans frais \u00e0 un TAEG de 0 %. Les deux tarifs de PayPal montrent ce que la seconde version co\u00fbte au commer\u00e7ant. Prenez 3 millions d'euros de volume FLOA en France pour un panier moyen de 300 euros, soit 10 000 commandes par an. \u00c0 5,49 % plus 0,35 euro, elles co\u00fbtent 168 200 euros, \u00e0 6,50 % plus 0,35 euro, 198 500 euros.<\/p><p>L'\u00e9cart de 30 300 euros par an est le prix d'une offre sans frais pour le client. Avec une marge brute illustrative de 30 %, la version sans frais doit apporter 101 000 euros de chiffre d'affaires suppl\u00e9mentaire, soit environ 337 commandes de 300 euros en plus, avant de s'autofinancer. En de\u00e7\u00e0, c'est une remise accord\u00e9e au checkout, et elle se r\u00e8gle par produit et par fourchette de panier, pas une fois pour toute la gamme.<\/p><\/div>\n  <\/div>\n<\/section>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"et_pb_section_6 et_pb_section et_section_regular et_block_section es-page-sec\">\n<div class=\"et_pb_row_6 et_pb_row et_block_row\">\n<div class=\"et_pb_column_6 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_code_6 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><div class=\"es-page\">\n<section class=\"sec dark\">\n  <div class=\"wrap\">\n    <p class=\"eyebrow\">Marketing<\/p>\n    <h2>FLOA valide votre marketing FLOA, et la version de frais change le texte<\/h2>\n    <div class=\"rule\"><\/div>\n    <div class=\"body\"><p>Le guide publicit\u00e9 de FLOA pour la Belgique, version 02.2026, pr\u00e9voit que toute communication citant FLOA doit \u00eatre soumise \u00e0 son \u00e9quipe marketing pour validation. La mention l\u00e9gale d'une banni\u00e8re diff\u00e8re selon que le client paie des frais ou non. Passer de la version avec frais \u00e0 la version sans frais change donc en m\u00eame temps votre prix et votre texte marketing.<\/p><p>Inscrivez trois points par \u00e9crit : quelle version de frais s'applique \u00e0 quel produit et \u00e0 quelle fourchette de panier, le d\u00e9lai de validation d'une campagne par FLOA, et qui supporte le co\u00fbt lorsqu'une campagne tourne avec une mention l\u00e9gale erron\u00e9e.<\/p><\/div>\n  <\/div>\n<\/section>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"et_pb_section_7 et_pb_section et_section_regular et_block_section es-page-sec\">\n<div class=\"et_pb_row_7 et_pb_row et_block_row\">\n<div class=\"et_pb_column_7 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_code_7 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><div class=\"es-page\">\n<section class=\"sec\">\n  <div class=\"wrap\">\n    <h2>Les produits que vous obtenez d\u00e9pendent de la voie<\/h2>\n    <div class=\"rule\"><\/div>\n    <div class=\"body\"><p>FLOA vend le paiement en trois et quatre fois, de 10 \u00e0 48 mensualit\u00e9s et le paiement \u00e0 30 jours. Un PSP ne les propose pas forc\u00e9ment tous. Pay. documente le paiement en trois ou quatre fois et le paiement sous 30 jours. La documentation technique de Computop cite 3X, 4X, 1XD et 3XD, les deux derniers \u00e9tant des plans diff\u00e9r\u00e9s. La documentation d'Axepta, le service propre de BNP Paribas, indique que seuls Floa 3X et Floa 4X sont disponibles. Aucune des trois ne cite l\u00e0 le cr\u00e9dit de 10 \u00e0 48 mois.<\/p><p>Un commer\u00e7ant aux paniers \u00e9lev\u00e9s qui veut le cr\u00e9dit de 10 \u00e0 48 mois au checkout a besoin d'une voie qui le propose, et le PSP au tarif publi\u00e9 le plus bas peut justement \u00eatre celui qui ne l'a pas. V\u00e9rifiez d'abord la liste des produits par voie, puis seulement les tarifs, car un tarif en trois fois ne dit rien du cr\u00e9dit long.<\/p><\/div>\n  <\/div>\n<\/section>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"et_pb_section_8 et_pb_section et_section_regular et_block_section es-page-sec\">\n<div class=\"et_pb_row_8 et_pb_row et_block_row\">\n<div class=\"et_pb_column_8 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_code_8 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><div class=\"es-page\">\n<section class=\"sec paper\">\n  <div class=\"wrap\">\n    <h2>Quels prestataires de paiement prennent en charge FLOA Pay<\/h2>\n    <div class=\"rule\"><\/div>\n    <div class=\"body\"><p>Dans l'index, Computop, Eupago, Lyra, Pay. et PayPal proposent FLOA Pay aux commer\u00e7ants \u00e9tablis en Europe. Vous pouvez aussi contracter directement avec FLOA, et par Computop, votre propre compte marchand FLOA Pay est requis.<\/p><p>Les questions sont les m\u00eames pour chaque prestataire : le tarif de la version avec et sans frais client, les produits FLOA propos\u00e9s par la voie, le moment o\u00f9 la valeur de la commande arrive sur votre compte, le r\u00e8glement d'un remboursement partiel, et le traitement de la validation des campagnes par FLOA.<\/p><\/div>\n  <\/div>\n<\/section>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<style>.rpti-mt .rpti-mt-keuze{display:flex;flex-wrap:wrap;gap:18px 28px;align-items:flex-end;margin:28px 0 6px;padding:18px 20px;background:#f4f8ef;border:1px solid #e2ebd8;border-radius:12px}.rpti-mt .rpti-mt-keuze[hidden]{display:none}.rpti-mt .rpti-mt-veld{margin:0;border:0;padding:0;min-width:0}.rpti-mt .rpti-mt-veld>label,.rpti-mt 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et_section_regular es-page-sec rpti-mt-sec\"><div class=\"et_pb_row\"><div class=\"et_pb_column et_pb_column_4_4 et-last-child\"><div class=\"es-page\"><section class=\"sec rpti-mt\" id=\"rpti-mt-floa-pay\" data-start=\"FR\" data-kanaal=\"online\" data-telling=\"%1$d prestataires, %2$d avec un tarif publi\u00e9\" data-telling1=\"1 prestataire, %2$d avec un tarif publi\u00e9\" data-meer=\"Afficher les %d prestataires\" data-eutag=\"Toute l&#039;UE\" data-leeg=\"Aucun prestataire de l&#039;index ne propose FLOA Pay aux commer\u00e7ants de ce pays sur ce canal.\" data-kort=\"Afficher le tarif complet\" data-minder=\"Afficher moins\"><div class=\"wrap\"><p class=\"eyebrow\">Retail Payment Methods Transparency Index<\/p><h2>Tarifs publi\u00e9s pour FLOA Pay, par prestataire<\/h2><div class=\"rule\"><\/div><div class=\"body\"><p>5 prestataires de l&#039;index proposent FLOA Pay aux commer\u00e7ants \u00e9tablis en Europe, et 3 d&#039;entre eux publient un tarif.<\/p><p>Chaque tarif figure tel que le prestataire le publie, et le nom du prestataire renvoie vers la page o\u00f9 il a \u00e9t\u00e9 lu. Un tarif publi\u00e9 est un tarif catalogue : ce qu&#039;un commer\u00e7ant paie r\u00e9ellement figure dans le tarif propos\u00e9 et le contrat.<\/p><\/div><div class=\"rpti-mt-keuze\" hidden><p class=\"rpti-mt-hint\" id=\"rpti-mt-floa-pay-hint\">Le pays o\u00f9 votre entreprise est \u00e9tablie et depuis lequel vous vendez. Les acheteurs paient avec FLOA Pay dans : France, Belgique, Espagne, Portugal, Italie.<\/p><div class=\"rpti-mt-veld\"><label for=\"rpti-mt-floa-pay-land\">Vente depuis<\/label><select id=\"rpti-mt-floa-pay-land\" aria-describedby=\"rpti-mt-floa-pay-hint\"><option value=\"DE\" data-ph=\"Commer\u00e7ants en Allemagne\">Allemagne<\/option><option value=\"AT\" data-ph=\"Commer\u00e7ants en Autriche\">Autriche<\/option><option value=\"BE\" data-ph=\"Commer\u00e7ants en Belgique\">Belgique<\/option><option value=\"BG\" data-ph=\"Commer\u00e7ants en Bulgarie\">Bulgarie<\/option><option value=\"HR\" data-ph=\"Commer\u00e7ants en Croatie\">Croatie<\/option><option value=\"DK\" data-ph=\"Commer\u00e7ants au Danemark\">Danemark<\/option><option value=\"ES\" data-ph=\"Commer\u00e7ants en Espagne\">Espagne<\/option><option value=\"EE\" data-ph=\"Commer\u00e7ants en Estonie\">Estonie<\/option><option value=\"FI\" data-ph=\"Commer\u00e7ants en Finlande\">Finlande<\/option><option value=\"FR\" data-ph=\"Commer\u00e7ants en France\" selected>France<\/option><option value=\"GR\" data-ph=\"Commer\u00e7ants en Gr\u00e8ce\">Gr\u00e8ce<\/option><option value=\"HU\" data-ph=\"Commer\u00e7ants en Hongrie\">Hongrie<\/option><option value=\"IE\" data-ph=\"Commer\u00e7ants en Irlande\">Irlande<\/option><option value=\"IT\" data-ph=\"Commer\u00e7ants en Italie\">Italie<\/option><option value=\"LV\" data-ph=\"Commer\u00e7ants en Lettonie\">Lettonie<\/option><option value=\"LT\" data-ph=\"Commer\u00e7ants en Lituanie\">Lituanie<\/option><option value=\"LU\" data-ph=\"Commer\u00e7ants au Luxembourg\">Luxembourg<\/option><option value=\"NO\" data-ph=\"Commer\u00e7ants en Norv\u00e8ge\">Norv\u00e8ge<\/option><option value=\"NL\" data-ph=\"Commer\u00e7ants aux Pays-Bas\">Pays-Bas<\/option><option value=\"PL\" data-ph=\"Commer\u00e7ants en Pologne\">Pologne<\/option><option value=\"PT\" data-ph=\"Commer\u00e7ants au Portugal\">Portugal<\/option><option value=\"RO\" data-ph=\"Commer\u00e7ants en Roumanie\">Roumanie<\/option><option value=\"SK\" data-ph=\"Commer\u00e7ants en Slovaquie\">Slovaquie<\/option><option value=\"SI\" data-ph=\"Commer\u00e7ants en Slov\u00e9nie\">Slov\u00e9nie<\/option><option value=\"SE\" data-ph=\"Commer\u00e7ants en Su\u00e8de\">Su\u00e8de<\/option><option value=\"CZ\" data-ph=\"Commer\u00e7ants en Tch\u00e9quie\">Tch\u00e9quie<\/option><\/select><\/div><div class=\"rpti-mt-veld\"><span class=\"rpti-mt-lbl\" id=\"rpti-mt-floa-pay-chl\">Canal<\/span><div class=\"rpti-mt-kanaal\" role=\"radiogroup\" aria-labelledby=\"rpti-mt-floa-pay-chl\"><label class=\"rpti-mt-optie\"><input type=\"radio\" name=\"rpti-mt-floa-pay-ch\" value=\"online\" checked> <span>En ligne<\/span><\/label><label class=\"rpti-mt-optie\"><input type=\"radio\" name=\"rpti-mt-floa-pay-ch\" value=\"pos\" disabled> <span>En magasin<\/span><\/label><\/div><\/div><label class=\"rpti-mt-alleen\"><input type=\"checkbox\"> <span>Uniquement les prestataires qui publient un tarif<\/span><\/label><\/div><p class=\"rpti-mt-telling\" aria-live=\"polite\"><\/p><p class=\"rpti-mt-eunoot\" hidden>Y compris les tarifs publi\u00e9s pour les commer\u00e7ants partout dans l&#039;UE, marqu\u00e9s Toute l&#039;UE.<\/p><div class=\"rpti-mt-lijst\"><table class=\"reftable rpti-mt-tabel\"><thead><tr><th scope=\"col\">Prestataire<\/th><th scope=\"col\">Par transaction<\/th><th scope=\"col\">Canal<\/th><\/tr><\/thead><tbody><tr data-c=\"DE\" data-ch=\"online\" data-pr=\"0\" data-p=\"Computop\" class=\"rpti-mt-geen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/developer.computop.com\/display\/EN\/Payment+methods\" target=\"_blank\" rel=\"noopener\" title=\"Lu \u00e0 la source le 22 septembre 2026\">Computop<\/a><\/span> <span class=\"rpti-mt-markt\">Commer\u00e7ants en Allemagne<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Aucun tarif publi\u00e9<\/span><\/td><td class=\"rpti-mt-ch\">En ligne<\/td><\/tr><tr data-c=\"PT\" data-ch=\"online\" data-pr=\"0\" data-p=\"Eupago\" class=\"rpti-mt-geen\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.eupago.pt\/precario\" target=\"_blank\" rel=\"noopener\" title=\"Lu \u00e0 la source le 28 septembre 2026\">Eupago<\/a><\/span> <span class=\"rpti-mt-markt\">Commer\u00e7ants au Portugal<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Aucun tarif publi\u00e9<\/span><\/td><td class=\"rpti-mt-ch\">En ligne<\/td><\/tr><tr data-c=\"FR\" data-ch=\"online\" data-pr=\"1\" data-p=\"Lyra\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.lyra.com\/fr\/tarifs\/\" target=\"_blank\" rel=\"noopener\" title=\"Lu \u00e0 la source le 12 octobre 2026\">Lyra<\/a><\/span> <span class=\"rpti-mt-markt\">Commer\u00e7ants en France<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">European cards: \u20ac0.20 + direct contract with FLOA; subject to a monthly subscription and set-up fee; indicative rates for standard cards (\u00e0 titre indicatif)<\/span><span class=\"rpti-mt-model\">Plus les frais du propri\u00e9taire du moyen, plus abonnement<\/span><\/td><td class=\"rpti-mt-ch\">En ligne<\/td><\/tr><tr data-c=\"EU\" data-ch=\"online\" data-pr=\"1\" data-p=\"Pay.\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.pay.nl\/en\/pricing\" target=\"_blank\" rel=\"noopener\" title=\"Lu \u00e0 la source le 28 septembre 2026\">Pay.<\/a><\/span> <span class=\"rpti-mt-markt\">Commer\u00e7ants partout dans l&#039;UE<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Belgium, Professional: \u20ac0.15 + 5.21%; Belgium, Business: \u20ac0.12 + 5.00%; Other countries, France, Professional: \u20ac0.15 + 5.54%; Other countries, France, Business: \u20ac0.12 + 5.31%; Other countries, Italy, Professional: \u20ac0.15 + 5.54%; Other countries, Italy, Business: \u20ac0.12 + 5.31%; Other countries, Spain, Professional: \u20ac0.15 + 5.54%; Other countries, Spain, Business: \u20ac0.12 + 5.31%; Other countries, Portugal, Professional: \u20ac0.15 + 5.54%; Other countries, Portugal, Business: \u20ac0.12 + 5.31%; Other countries, Netherlands, Professional: \u20ac0.15 + 5.54%; Other countries, Netherlands, Business: \u20ac0.12 + 5.31%; Other countries, Germany, Professional: \u20ac0.15 + 5.54%; Other countries, Germany, Business: \u20ac0.12 + 5.31%; Pioneer (no monthly fee): Professional rate + \u20ac0.05 per transaction + 0.25% of turnover; Professional plan: \u20ac35 per month; Business plan: \u20ac89 per month<\/span><span class=\"rpti-mt-model\">Pourcentage plus montant fixe, plus abonnement, par paliers<\/span><\/td><td class=\"rpti-mt-ch\">En ligne<\/td><\/tr><tr data-c=\"NO\" data-ch=\"online\" data-pr=\"1\" data-p=\"Pay.\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.pay.nl\/en\/pricing\" target=\"_blank\" rel=\"noopener\" title=\"Lu \u00e0 la source le 28 septembre 2026\">Pay.<\/a><\/span> <span class=\"rpti-mt-markt\">Commer\u00e7ants en Norv\u00e8ge<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Belgium, Professional: \u20ac0.15 + 5.21%; Belgium, Business: \u20ac0.12 + 5.00%; Other countries, France, Professional: \u20ac0.15 + 5.54%; Other countries, France, Business: \u20ac0.12 + 5.31%; Other countries, Italy, Professional: \u20ac0.15 + 5.54%; Other countries, Italy, Business: \u20ac0.12 + 5.31%; Other countries, Spain, Professional: \u20ac0.15 + 5.54%; Other countries, Spain, Business: \u20ac0.12 + 5.31%; Other countries, Portugal, Professional: \u20ac0.15 + 5.54%; Other countries, Portugal, Business: \u20ac0.12 + 5.31%; Other countries, Netherlands, Professional: \u20ac0.15 + 5.54%; Other countries, Netherlands, Business: \u20ac0.12 + 5.31%; Other countries, Germany, Professional: \u20ac0.15 + 5.54%; Other countries, Germany, Business: \u20ac0.12 + 5.31%; Pioneer (no monthly fee): Professional rate + \u20ac0.05 per transaction + 0.25% of turnover; Professional plan: \u20ac35 per month; Business plan: \u20ac89 per month<\/span><span class=\"rpti-mt-model\">Pourcentage plus montant fixe, plus abonnement, par paliers<\/span><\/td><td class=\"rpti-mt-ch\">En ligne<\/td><\/tr><tr data-c=\"BE\" data-ch=\"online\" data-pr=\"1\" data-p=\"PayPal\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.paypal.com\/be\/webapps\/mpp\/merchant-fees\" target=\"_blank\" rel=\"noopener\" title=\"Lu \u00e0 la source le 9 octobre 2026\">PayPal<\/a><\/span> <span class=\"rpti-mt-markt\">Commer\u00e7ants en Belgique<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Interest bearing for consumers: 5.49% + \u20ac0.35; non-interest bearing for consumers: 6.50% + \u20ac0.35<\/span><span class=\"rpti-mt-model\">Pourcentage plus montant fixe<\/span><\/td><td class=\"rpti-mt-ch\">En ligne<\/td><\/tr><tr data-c=\"BG\" data-ch=\"online\" data-pr=\"1\" data-p=\"PayPal\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.paypal.com\/bg\/business\/paypal-business-fees\" target=\"_blank\" rel=\"noopener\" title=\"Lu \u00e0 la source le 28 septembre 2026\">PayPal<\/a><\/span> <span class=\"rpti-mt-markt\">Commer\u00e7ants en Bulgarie<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">FLOA Pay (interest-bearing for consumers): 5.49% + fixed fee; FLOA Pay (interest-free for consumers): 6.50% + fixed fee; APM fixed fee, EUR: \u20ac0.35<\/span><span class=\"rpti-mt-model\">Pourcentage plus montant fixe<\/span><\/td><td class=\"rpti-mt-ch\">En ligne<\/td><\/tr><tr data-c=\"CZ\" data-ch=\"online\" data-pr=\"1\" data-p=\"PayPal\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.paypal.com\/cz\/business\/paypal-business-fees\" target=\"_blank\" rel=\"noopener\" title=\"Lu \u00e0 la source le 28 septembre 2026\">PayPal<\/a><\/span> <span class=\"rpti-mt-markt\">Commer\u00e7ants en Tch\u00e9quie<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">FLOA Pay (interest-bearing for consumers): 5.49% + fixed fee; FLOA Pay (interest-free for consumers): 6.50% + fixed fee; APM fixed fee, CZK: CZK 10.00; APM fixed fee, EUR: \u20ac0.35<\/span><span class=\"rpti-mt-model\">Pourcentage plus montant fixe<\/span><\/td><td class=\"rpti-mt-ch\">En ligne<\/td><\/tr><tr data-c=\"DK\" data-ch=\"online\" data-pr=\"1\" data-p=\"PayPal\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.paypal.com\/dk\/business\/paypal-business-fees\" target=\"_blank\" rel=\"noopener\" title=\"Lu \u00e0 la source le 28 septembre 2026\">PayPal<\/a><\/span> <span class=\"rpti-mt-markt\">Commer\u00e7ants au Danemark<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">FLOA Pay (interest-bearing for consumers): 5.49% + fixed fee; FLOA Pay (interest-free for consumers): 6.50% + fixed fee; APM fixed fee, DKK: DKK 2.60<\/span><span class=\"rpti-mt-model\">Pourcentage plus montant fixe<\/span><\/td><td class=\"rpti-mt-ch\">En ligne<\/td><\/tr><tr data-c=\"EE\" data-ch=\"online\" data-pr=\"1\" data-p=\"PayPal\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.paypal.com\/ee\/business\/paypal-business-fees\" target=\"_blank\" rel=\"noopener\" title=\"Lu \u00e0 la source le 28 septembre 2026\">PayPal<\/a><\/span> <span class=\"rpti-mt-markt\">Commer\u00e7ants en Estonie<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">FLOA Pay (interest-bearing for consumers): 5.49% + fixed fee; FLOA Pay (interest-free for consumers): 6.50% + fixed fee; APM fixed fee, EUR: \u20ac0.35<\/span><span class=\"rpti-mt-model\">Pourcentage plus montant fixe<\/span><\/td><td class=\"rpti-mt-ch\">En ligne<\/td><\/tr><tr data-c=\"FI\" data-ch=\"online\" data-pr=\"1\" data-p=\"PayPal\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.paypal.com\/fi\/business\/paypal-business-fees\" target=\"_blank\" rel=\"noopener\" title=\"Lu \u00e0 la source le 28 septembre 2026\">PayPal<\/a><\/span> <span class=\"rpti-mt-markt\">Commer\u00e7ants en Finlande<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">FLOA Pay (interest-bearing for consumers): 5.49% + fixed fee; FLOA Pay (interest-free for consumers): 6.50% + fixed fee; APM fixed fee, EUR: \u20ac0.35<\/span><span class=\"rpti-mt-model\">Pourcentage plus montant fixe<\/span><\/td><td class=\"rpti-mt-ch\">En ligne<\/td><\/tr><tr data-c=\"GR\" data-ch=\"online\" data-pr=\"1\" data-p=\"PayPal\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.paypal.com\/gr\/business\/paypal-business-fees\" target=\"_blank\" rel=\"noopener\" title=\"Lu \u00e0 la source le 28 septembre 2026\">PayPal<\/a><\/span> <span class=\"rpti-mt-markt\">Commer\u00e7ants en Gr\u00e8ce<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">FLOA Pay (interest-bearing for consumers): 5.49% + fixed fee; FLOA Pay (interest-free): 6.50% + fixed fee; APM fixed fee, EUR: \u20ac0.35<\/span><span class=\"rpti-mt-model\">Pourcentage plus montant fixe<\/span><\/td><td class=\"rpti-mt-ch\">En ligne<\/td><\/tr><tr data-c=\"HU\" data-ch=\"online\" data-pr=\"1\" data-p=\"PayPal\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.paypal.com\/hu\/business\/paypal-business-fees\" target=\"_blank\" rel=\"noopener\" title=\"Lu \u00e0 la source le 5 octobre 2026\">PayPal<\/a><\/span> <span class=\"rpti-mt-markt\">Commer\u00e7ants en Hongrie<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">FLOA Pay (interest-free for consumers): 5.49% + fixed fee; FLOA Pay (interest-free for consumers): 6.50% + fixed fee; APM fixed fee, HUF: HUF 90.00; APM fixed fee, EUR: \u20ac0.35<\/span><span class=\"rpti-mt-model\">Pourcentage plus montant fixe<\/span><\/td><td class=\"rpti-mt-ch\">En ligne<\/td><\/tr><tr data-c=\"LT\" data-ch=\"online\" data-pr=\"1\" data-p=\"PayPal\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.paypal.com\/lt\/business\/paypal-business-fees\" target=\"_blank\" rel=\"noopener\" title=\"Lu \u00e0 la source le 28 septembre 2026\">PayPal<\/a><\/span> <span class=\"rpti-mt-markt\">Commer\u00e7ants en Lituanie<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">FLOA Pay (interest-bearing for consumers): 5.49% + fixed fee; FLOA Pay (interest-free for consumers): 6.50% + fixed fee; APM fixed fee, EUR: \u20ac0.35<\/span><span class=\"rpti-mt-model\">Pourcentage plus montant fixe<\/span><\/td><td class=\"rpti-mt-ch\">En ligne<\/td><\/tr><tr data-c=\"LU\" data-ch=\"online\" data-pr=\"1\" data-p=\"PayPal\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.paypal.com\/lu\/business\/paypal-business-fees\" target=\"_blank\" rel=\"noopener\" title=\"Lu \u00e0 la source le 28 septembre 2026\">PayPal<\/a><\/span> <span class=\"rpti-mt-markt\">Commer\u00e7ants au Luxembourg<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">FLOA Pay (interest-bearing for consumers): 5.49% + fixed fee; FLOA Pay (interest-free for consumers): 6.50% + fixed fee; APM fixed fee, EUR: \u20ac0.35<\/span><span class=\"rpti-mt-model\">Pourcentage plus montant fixe<\/span><\/td><td class=\"rpti-mt-ch\">En ligne<\/td><\/tr><tr data-c=\"LV\" data-ch=\"online\" data-pr=\"1\" data-p=\"PayPal\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.paypal.com\/lv\/business\/paypal-business-fees\" target=\"_blank\" rel=\"noopener\" title=\"Lu \u00e0 la source le 28 septembre 2026\">PayPal<\/a><\/span> <span class=\"rpti-mt-markt\">Commer\u00e7ants en Lettonie<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">FLOA Pay (interest-bearing for consumers): 5.49% + fixed fee; FLOA Pay (interest-free for consumers): 6.50% + fixed fee; APM fixed fee, EUR: \u20ac0.35<\/span><span class=\"rpti-mt-model\">Pourcentage plus montant fixe<\/span><\/td><td class=\"rpti-mt-ch\">En ligne<\/td><\/tr><tr data-c=\"NL\" data-ch=\"online\" data-pr=\"1\" data-p=\"PayPal\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.paypal.com\/nl\/webapps\/mpp\/merchant-fees\" target=\"_blank\" rel=\"noopener\" title=\"Lu \u00e0 la source le 28 septembre 2026\">PayPal<\/a><\/span> <span class=\"rpti-mt-markt\">Commer\u00e7ants aux Pays-Bas<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">FLOA Pay (interest-bearing for consumers): 5.49% + \u20ac0.35; FLOA Pay (interest-free for consumers): 6.50% + \u20ac0.35<\/span><span class=\"rpti-mt-model\">Pourcentage plus montant fixe<\/span><\/td><td class=\"rpti-mt-ch\">En ligne<\/td><\/tr><tr data-c=\"NO\" data-ch=\"online\" data-pr=\"1\" data-p=\"PayPal\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.paypal.com\/no\/webapps\/mpp\/merchant-fees\" target=\"_blank\" rel=\"noopener\" title=\"Lu \u00e0 la source le 28 septembre 2026\">PayPal<\/a><\/span> <span class=\"rpti-mt-markt\">Commer\u00e7ants en Norv\u00e8ge<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">FLOA Pay (interest-bearing for consumers): 5.49% + NOK 2.80; FLOA Pay (non-interest-bearing for consumers): 6.50% + NOK 2.80<\/span><span class=\"rpti-mt-model\">Pourcentage plus montant fixe<\/span><\/td><td class=\"rpti-mt-ch\">En ligne<\/td><\/tr><tr data-c=\"PL\" data-ch=\"online\" data-pr=\"1\" data-p=\"PayPal\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.paypal.com\/pl\/webapps\/mpp\/merchant-fees\" target=\"_blank\" rel=\"noopener\" title=\"Lu \u00e0 la source le 28 septembre 2026\">PayPal<\/a><\/span> <span class=\"rpti-mt-markt\">Commer\u00e7ants en Pologne<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Interest-bearing for consumers: 5.49% + fixed fee; interest-free for consumers: 6.50% + fixed fee; fixed fee: PLN 1.35 for PLN received; \u20ac0.35 for EUR received<\/span><span class=\"rpti-mt-model\">Pourcentage plus montant fixe<\/span><\/td><td class=\"rpti-mt-ch\">En ligne<\/td><\/tr><tr data-c=\"PT\" data-ch=\"online\" data-pr=\"1\" data-p=\"PayPal\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.paypal.com\/pt\/webapps\/mpp\/merchant-fees\" target=\"_blank\" rel=\"noopener\" title=\"Lu \u00e0 la source le 28 septembre 2026\">PayPal<\/a><\/span> <span class=\"rpti-mt-markt\">Commer\u00e7ants au Portugal<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Interest-bearing for consumers: 5.49% + fixed fee; interest-free for consumers: 6.50% + fixed fee; fixed fee: \u20ac0.35<\/span><span class=\"rpti-mt-model\">Pourcentage plus montant fixe<\/span><\/td><td class=\"rpti-mt-ch\">En ligne<\/td><\/tr><tr data-c=\"RO\" data-ch=\"online\" data-pr=\"1\" data-p=\"PayPal\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.paypal.com\/ro\/business\/paypal-business-fees\" target=\"_blank\" rel=\"noopener\" title=\"Lu \u00e0 la source le 28 septembre 2026\">PayPal<\/a><\/span> <span class=\"rpti-mt-markt\">Commer\u00e7ants en Roumanie<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">FLOA Pay (interest-bearing for consumers): 5.49% + fixed fee; FLOA Pay (interest-free for consumers): 6.50% + fixed fee; APM fixed fee, EUR: \u20ac0.35<\/span><span class=\"rpti-mt-model\">Pourcentage plus montant fixe<\/span><\/td><td class=\"rpti-mt-ch\">En ligne<\/td><\/tr><tr data-c=\"SE\" data-ch=\"online\" data-pr=\"1\" data-p=\"PayPal\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.paypal.com\/se\/webapps\/mpp\/merchant-fees\" target=\"_blank\" rel=\"noopener\" title=\"Lu \u00e0 la source le 28 septembre 2026\">PayPal<\/a><\/span> <span class=\"rpti-mt-markt\">Commer\u00e7ants en Su\u00e8de<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">Interest-bearing for consumers: 5.49% + fixed fee; interest-free for consumers: 6.50% + fixed fee; fixed fee: SEK 3.25 for SEK received; \u20ac0.35 for EUR received<\/span><span class=\"rpti-mt-model\">Pourcentage plus montant fixe<\/span><\/td><td class=\"rpti-mt-ch\">En ligne<\/td><\/tr><tr data-c=\"SI\" data-ch=\"online\" data-pr=\"1\" data-p=\"PayPal\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.paypal.com\/si\/business\/paypal-business-fees\" target=\"_blank\" rel=\"noopener\" title=\"Lu \u00e0 la source le 28 septembre 2026\">PayPal<\/a><\/span> <span class=\"rpti-mt-markt\">Commer\u00e7ants en Slov\u00e9nie<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">FLOA Pay (interest-bearing for consumers): 5.49% + fixed fee; FLOA Pay (interest-free for consumers): 6.50% + fixed fee; APM fixed fee, EUR: \u20ac0.35<\/span><span class=\"rpti-mt-model\">Pourcentage plus montant fixe<\/span><\/td><td class=\"rpti-mt-ch\">En ligne<\/td><\/tr><tr data-c=\"SK\" data-ch=\"online\" data-pr=\"1\" data-p=\"PayPal\"><td class=\"rpti-mt-wie\"><span class=\"rpti-mt-naam\"><a href=\"https:\/\/www.paypal.com\/sk\/business\/paypal-business-fees\" target=\"_blank\" rel=\"noopener\" title=\"Lu \u00e0 la source le 28 septembre 2026\">PayPal<\/a><\/span> <span class=\"rpti-mt-markt\">Commer\u00e7ants en Slovaquie<\/span><\/td><td class=\"rpti-mt-tarief\"><span class=\"rpti-mt-bedrag\">FLOA Pay (interest-bearing): 5.49% + fixed fee; FLOA Pay (interest-free for consumers): 6.50% + fixed fee; APM fixed fee, EUR: \u20ac0.35<\/span><span class=\"rpti-mt-model\">Pourcentage plus montant fixe<\/span><\/td><td class=\"rpti-mt-ch\">En ligne<\/td><\/tr><\/tbody><\/table><\/div><p class=\"rpti-mt-leeg\" hidden><\/p><p class=\"rpti-mt-meerp\" hidden><button type=\"button\" class=\"rpti-mt-meer\"><\/button><\/p><div class=\"rpti-mt-link\"><a class=\"ix\" href=\"https:\/\/www.ecomstream.eu\/fr\/indice-transparence-moyens-de-paiement\/?m=floa-pay\"><span class=\"ic\"><svg width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#9bcc3a\" stroke-width=\"2\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 5h18l-7 8v6l-4-2v-4z\"\/><\/svg><\/span><span class=\"t\"><strong>Choisissez dans l&#039;index vos propres pays et votre canal pour FLOA Pay<\/strong><span class=\"s\">Ouvrir le Retail Payment Methods Transparency Index<\/span><\/span><span class=\"r\" aria-hidden=\"true\">&#8594;<\/span><\/a><\/div><p class=\"small\">Source : EcomStream, Retail Payment Methods Transparency Index, ecomstream.eu\/payment-methods-transparency-index. Lu \u00e0 la source entre le 22 septembre 2026 et le 12 octobre 2026. Un prestataire qui estime qu&#039;une ligne est erron\u00e9e peut \u00e9crire \u00e0 <a href=\"mailto:index@ecomstream.nl\">index@ecomstream.nl<\/a>. Chaque correction signal\u00e9e est v\u00e9rifi\u00e9e \u00e0 la source.<\/p><\/div><\/section><\/div><\/div><\/div><\/div><div class=\"et_pb_section_9 et_pb_section et_section_regular et_block_section es-page-sec\">\n<div class=\"et_pb_row_9 et_pb_row et_block_row\">\n<div class=\"et_pb_column_9 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_code_9 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\"><div class=\"es-page\">\n<section class=\"sec\">\n  <div class=\"wrap\">\n    <h2>Examiner ce que FLOA Pay vous co\u00fbte<\/h2>\n    <div class=\"rule\"><\/div>\n    <div class=\"body\"><p>Ce que vous payez pour FLOA Pay est fix\u00e9 dans votre contrat, et non par un r\u00e9seau. Commencez par \u00e9tablir si vous <a href=\"https:\/\/www.ecomstream.eu\/fr\/are-you-overpaying-your-psp\/\">payez trop \u00e0 votre PSP<\/a>, et confrontez le co\u00fbt de la version sans frais aux commandes qu'elle apporte avant de renouveler, si FLOA Pay porte une part significative de votre volume fran\u00e7ais ou belge.<\/p><p>March\u00e9s concern\u00e9s : France, Belgique, Espagne, Italie, Portugal<\/p><\/div>\n  <\/div>\n<\/section>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"et_pb_section_10 et_pb_section et_section_regular et_block_section popup single\" id=\"my-popup7\"><div class=\"et_pb_row_10 et_pb_row et_block_row\"><div class=\"et_pb_column_10 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\"><div class=\"et_pb_contact_form_0 et_pb_contact_form_container clearfix et_pb_recaptcha_enabled et_pb_module et_flex_module\" data-form_unique_num=\"0\" data-form_unique_id=\"2b080173-4599-477f-994c-cf46478d77ad\" id=\"et_pb_contact_form_2b080173-4599-477f-994c-cf46478d77ad\"><h2 class=\"et_pb_contact_main_title\">Vous vendez \u00e0 des clients en France ou en Belgique ? V\u00e9rifions ce que FLOA Pay ajoute \u00e0 vos co\u00fbts PSP.<\/h2><div class=\"et-pb-contact-message\"><\/div><div class=\"et_pb_contact\"><form class=\"et_pb_contact_form et_flex_module\" method=\"post\" action=\"https:\/\/www.ecomstream.eu\/fr\/wp-json\/wp\/v2\/pages\/267589\"><div class=\"et_pb_contact_field_0 et_pb_contact_field et_pb_module et_flex_module et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_12_24_phone\" data-id=\"nom\" data-type=\"input\"><label class=\"et_pb_contact_form_label\" for=\"et_pb_contact_0_nom_0\">Nom<\/label><input type=\"text\" name=\"et_pb_contact_0_nom_0\" id=\"et_pb_contact_0_nom_0\" class=\"input\" data-required_mark=\"required\" data-field_type=\"input\" data-original_id=\"nom\" placeholder=\"Nom\" title=\"\" value=\"\" \/><\/div><div class=\"et_pb_contact_field_1 et_pb_contact_field et_pb_module et_flex_module et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_12_24_phone\" data-id=\"email\" data-type=\"email\"><label class=\"et_pb_contact_form_label\" for=\"et_pb_contact_0_email_1\">Adresse e-mail<\/label><input type=\"text\" name=\"et_pb_contact_0_email_1\" id=\"et_pb_contact_0_email_1\" class=\"input\" data-required_mark=\"required\" data-field_type=\"email\" data-original_id=\"email\" placeholder=\"Adresse e-mail\" title=\"\" value=\"\" \/><\/div><div class=\"et_pb_contact_field_2 et_pb_contact_field et_pb_module et_flex_module et_flex_column_24_24 et_flex_column_24_24_tablet et_flex_column_24_24_phone\" data-id=\"message\" data-type=\"text\"><label class=\"et_pb_contact_form_label\" for=\"et_pb_contact_0_message_2\">Message (facultatif)<\/label><textarea name=\"et_pb_contact_0_message_2\" id=\"et_pb_contact_0_message_2\" class=\"et_pb_contact_message input\" data-required_mark=\"not_required\" data-field_type=\"text\" data-original_id=\"message\" placeholder=\"Message (facultatif)\"><\/textarea><\/div><input type=\"hidden\" name=\"et_pb_contactform_submit_2b080173-4599-477f-994c-cf46478d77ad\" value=\"et_contact_proccess\" \/><div class=\"et_contact_bottom_container\"><div class=\"et_pb_button_wrapper\"><button type=\"submit\" name=\"et_builder_submit_button\" class=\"et_pb_button et_pb_contact_submit\">Submit<\/button><\/div><\/div><input type=\"hidden\" id=\"_wpnonce-et-pb-contact-form-submitted-2b080173-4599-477f-994c-cf46478d77ad\" name=\"_wpnonce-et-pb-contact-form-submitted-2b080173-4599-477f-994c-cf46478d77ad\" value=\"b45cbca623\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/fr\/wp-json\/wp\/v2\/pages\/267589\" \/><\/form><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Retail Payment Methods Transparency IndexTarifs publi\u00e9s pour FLOA Pay, par prestataire5 prestataires de l&#039;index proposent FLOA Pay aux commer\u00e7ants \u00e9tablis en Europe, et 3 d&#039;entre eux publient un tarif.Chaque tarif figure tel que le prestataire le publie, et le nom du prestataire renvoie vers la page o\u00f9 il a \u00e9t\u00e9 lu. Un tarif publi\u00e9 est [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":260831,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_yoast_wpseo_focuskw":"accepter FLOA Pay","_yoast_wpseo_title":"Accepter FLOA Pay : avec ou sans frais pour le client","_yoast_wpseo_metadesc":"Comment FLOA Pay fonctionne pour les commer\u00e7ants, ce que facturent PayPal et Pay., et ce que co\u00fbte par an un paiement fractionn\u00e9 sans frais client, chiffr\u00e9 en 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