Wallets/alma
Alma
0 standards supported
Overview
Alma is France's leading buy-now-pay-later (BNPL) provider, operated by Alma SAS [1]. Founded in 2018 in Paris, Alma offers split payments (pay in 2x, 3x, 4x) and deferred payment at thousands of merchants, with a strong focus on the French market and broader expansion across Western Europe. Alma positions itself around merchant economics and responsible-credit underwriting, and operates in France, Spain, Italy, Germany, Belgium, Netherlands, Portugal, Ireland and Luxembourg [1].
History
2018 — Founded in Paris [1] by Louis Chatriot and Guillaume Desloges.
2021 — Series B funding [1]: Backing from Cathay Innovation, Idinvest/Eurazeo and others fuels growth.
2022 — €210M Series C [2]: Round led by GR Capital and Cathay Innovation pushes Alma toward a ~€2B valuation and European expansion.
2022-2025 — Expansion across Western Europe [1]: Entry into Spain, Italy, Germany, Belgium, Netherlands and beyond; added pay-later and longer instalments.
Ownership & operator
Operating entity: Alma SAS (Paris, France).
Founders: Louis Chatriot (CEO) and Guillaume Desloges.
Major investors: Cathay Innovation, GR Capital, Eurazeo, Bpifrance and others.
Regulators:
- France: ACPR (Autorité de contrôle prudentiel et de résolution), Banque de France.
- Other EU markets: per-country regulators under the EU consumer-credit framework.
Technical integration
Alma is a split-payment / pay-later BNPL [1]:
| Layer | Description |
|---|---|
| Channels | Alma app (iOS + Android) + merchant web/in-store checkout |
| Identifiers | Email + phone number + card number |
| Core products | Pay in 2x / 3x / 4x, deferred (pay later) |
| Card network | Visa / Mastercard (instalment debits) |
| Merchant integration | Plugins for major e-commerce platforms + API + in-store terminals |
Implementations & partners
Operator: Alma SAS.
Markets: France, Spain, Italy, Germany, Belgium, Netherlands, Portugal, Ireland, Luxembourg.
Competitors: [[klarna]], [[scalapay]], Oney, Floa (BNP Paribas), PayPal Pay in 4, [[afterpay]] (Clearpay).
Status
Active, leading French BNPL [1, 2]:
- Alma SAS (Paris).
- ~€2B valuation after 2022 Series C.
- Operates across France and much of Western Europe.
Sources
Source
Biography extracted from alma.md. See matrix.md for standards-support matrix if present.