How to Book a Holiday Package with FLOA Pay in Europe

How FLOA Pay Works for Holiday Purchases

FLOA Pay is a buy-now-pay-later service operated by BNP Paribas. It splits a single payment into 3 or 4 equal monthly installments and works directly at the checkout of participating travel sites. No separate account or app is required: you select FLOA at payment, enter your card details, pass a 3D Secure authentication, and receive an instant decision. The first installment is charged on the day of booking; the remaining payments follow monthly. FLOA serves 4 million customers across France, Belgium, Spain, Italy, Portugal, Germany, and the Netherlands *(FLOA, 2026)*, but its travel partner network is strongest in France.

Step-by-Step: Booking a Holiday with FLOA Pay

FLOA is integrated at checkout across a range of French travel platforms. The main partners include MisterFly, Cdiscount Voyages, Leclerc Voyages, Havas Voyages, and Selectour. Camping and resort operators Siblu and Maeva also accept FLOA for stays at their properties.

Step 1: Choose a FLOA Travel Partner

Go to a holiday or travel site that offers FLOA installments at checkout. The core roster includes MisterFly, Leclerc Voyages, Cdiscount Voyages, Havas Voyages, Selectour, Siblu campsites, and Maeva. The full partner list is available at floabank.fr under the travel section.

Step 2: Select Your Holiday

Browse and choose your package holiday, campsite stay, or guided tour. Confirm dates and options. The total must be between €90 and €6,000 to qualify for FLOA installments.

Step 3: Select FLOA at Checkout

At the payment step, look for the FLOA option, typically labeled "Payer en 3 fois" or "Payer en 4 fois" on French partner sites. Select either the 3-installment or 4-installment plan.

Step 4: Enter Your Card Details and Authenticate

Enter your Visa or Mastercard number. FLOA routes you through your bank's 3D Secure process. The result is immediate. If your card is declined, confirm it is not a Revolut card, virtual card, American Express, or Maestro.

Step 5: Confirm and Pay the First Installment

Once approved, the first installment is charged immediately. The remaining payments follow on a fixed monthly schedule and are charged automatically to the same card. Early repayment is not available on 3x or 4x plans: the schedule is set at the time of booking.

Fees, Limits, and Availability

Most FLOA travel partners offer 3x and 4x installments with no added fees, meaning the total you pay equals the standard booking price *(FLOA, 2026)*. The eligible booking range is €90 to €6,000. Some partners offer 10 or 12-installment plans, which may carry fees: check the terms shown at checkout before confirming.

FLOA is active across seven European countries: France, Belgium, Spain, Italy, Portugal, Germany, and the Netherlands. The travel partner network is concentrated in France. If you are booking from Belgium, you can use FLOA where a partner supports it, but the range of travel partners outside France is narrower.