Training Example: Alma – Review the Data, Give Your Score & Compare to the Real AI Evaluation

The Alma app is now available - Keep control of all your payments, wherever you are. Download the appAlmaLog inCreate an accountRequest a demoOpen menuE-commerce and Point of sale
[H1] Flexible and guaranteed instalment payments
Let your customers pay at their own pace. Your business accelerates. Discover instalments with Alma.Get started with AlmaSign in to the merchant portalTrusted by 21,800 merchants across all retail sectors in Europe.
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[H2] An essential performance driver
Average results observed among merchants using Alma online or in‑store (June 2025).
[H3] +0%up to more conversions with Alma instalments.
[H3] +0%average order value uplift with Alma.
[H3] 0%approval rate for Alma payment requests.
[H2] A trusted solution for merchants
Whether you’re an e‑commerce player or a retailer, Alma helps you accelerate growth.
[H5] Maximise your sales opportunities
More conversions, fewer abandoned baskets, and more loyal customers for your business.
[H5] Secure your revenue with ease
Get paid upfront—no chasing collections. Your payouts are 100% guaranteed with no risk of non‑payment.
[H5] Get up and running fast
20+ technology partnerships for simple integration online and in‑store.Get started with Alma
[H2] A solution that fits all your sales channels
[H5] E‑commerce website
Customers pay online in under 30 seconds without leaving your website.
[H5] Point of sale (POS)
Customers pay via a payment link sent on their smartphone or directly on your payment terminal.
[H5] Call center and in-home sales
Customers receive a payment link by e-mail or SMS to finalize the payment in instalments.Get started with Alma
[H2] Tailored to the needs of retailers
The same guarantees for every merchant. Clear and transparent with Alma.
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[H3] You’re paid immediately
No risk of non‑payment. We settle the proceeds of every purchase made with Alma.
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[H3] Your customers stay your customers
We respect your customers’ privacy. We never sell personal data to third parties.
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[H3] We’re by your side
Our international teams help you implement the solution and boost your sales.
[H2] Why choose Alma ?
Our mission is to support merchants across Europe. Our vision is unique on the market.
[H5] Merchant‑first by design
Focus on your core business; we drive your growth. With Alma, payments are simple.
[H5] A responsible approach for your customers
Customers can defer an instalment at any time, and we do not charge late fees.
[H5] Instalments across Europe
France, Germany, Belgium, Spain, Italy, Luxembourg, the Netherlands and Portugal. Keep selling with Alma.Get started with Alma
[H2] Retailers share their experiences with Alma
Jérôme Connac
[H3] 25% of sales volume in BNPL - Maisons du Monde
"To tell the truth, it's one of the best levers in several respects: profitability, visibility, improved conversion rates, not to mention customer loyalty.…Read moreLisa Nakam
[H3] +50% on average basket size with Alma - Jonak
"The challenge was to integrate the solution in such a way as to generate real value for the brand in terms of increasing the average basket size. The effect…Read morePatrick Tisserant
[H3] 45% of web sales with Alma - MATY Group
"Alma's support for our customers has been decisive. When they make a purchase in-store via Alma, they receive an email reminding them of the upcoming due da…Read moreJérémie Encaoua
[H3] +10% new customers - Le Petit Lunetier
“With the introduction of Alma on our lepetitlunetier.com website and in our stores, our customers can now make a purchase without having to pay in advance, a…Read moreKévin Silvaggio
[H3] 40% of in-store purchases with Alma - Lepape
"We were working with a trusted payment service provider (PSP), but they weren't specialists in guaranteed installment payments like Alma is. The big advantag…Read moreTomothée Linÿer
[H3] 1/8 transactions made using BNPL - The Bradery
"At first, BNPL baskets accounted for 7% of sales volume. Today, it's 1 in 8 transactions. One-time payments are restrictive on purchases over €500. BNPL is a…Read moreQuestions about Alma?For partner merchants, please refer to our dedicated FAQ.Check out the FAQ
[H2] How does payment in installments work?
With Alma, you can offer your customers the option to pay in installments on your e-commerce site or in your stores. When your customer makes a purchase:Online: they select the Alma option on the payment page. Without leaving your site, the customer pays by credit card or bank transfer. Once the payment is confirmed, the order is validated.In-store: they ask a cashier to opt for payment with Alma. The customer pays by credit card via a payment link received by text message or on a payment terminal (depending on eligibility). Their purchase is validated and the customer leaves with their items.We validate installment payment requests in less than 10 seconds, without keeping your customers waiting. You then receive the revenue collected via Alma in your bank account.For you, it's like a cash payment. Payments are 100% guaranteed. Alma takes care of customer collection and you have no risk of non-payment.
[H2] What are the costs of the Alma solution?
We charge a commission for each purchase made through Alma. There are no monthly subscription fees or hidden costs.You can share part of the costs with your customers or cover the entire amount yourself to increase your conversion rate. You can find more details on our pricing page.
[H2] What additional services does Alma offer?
With Alma, you get a comprehensive installment payment solution to support you on a daily basis:Dashboard with over 30 key performance indicators (KPIs). Your teams can track sales and financial performance in real time with Alma.Premium support to help you set up Alma and make your first sales. Depending on your annual revenue, we will assign you an Account Manager to help you manage your use of the solution. To activate points of sale, our retail experts will support your teams to help them sell better with Alma.Services to make your daily life easier: customer refunds via the Alma dashboard, access to all your data (payment history, sales exports, accounting exports, etc.), resources to help you get started with Alma, and more.
[H2] What are the conditions for paying in installments?
For each payment, we systematically check the following information:The age of the buyer. Only adults (18+) can pay in installments with Alma;The validity period of the credit card. We refuse cards that expire before the end of the payment with Alma;The type of credit card. We do not accept prepaid cards or virtual cards.Depending on the amount, the ability to pay back with Open Banking. This technology allows us to query the customer's bank and obtain a response in less than 5 seconds.Our evaluation algorithm is one of the most powerful on the market, guaranteeing you maximum additional conversions.
[H2] What payment methods are accepted with Alma?
Your customers can pay in installments by credit card.We accept most credit cards issued in Europe: Carte Bleue, Visa, and Mastercard. We also accept American Express cards, as well as local payment methods depending on the country (iDeal, Bancontact, PostePay, etc.).Only prepaid cards and single-use virtual cards are declined.
[H2] Is payment in installments secure?
Yes. We work actively with payment service providers to accept payments from your customers and store their banking details. This partner is certified as a Level 1 PCI Service Provider. This is the most stringent level of certification in the payments industry.In addition, each payment is accompanied by 3D Secure authentication. This protocol, implemented by all banks, requires payment validation via bank login or SMS. This security measure minimizes the risk of bank identity theft and fraud.
[H2] What about the collection and use of customer data?
To process payments in installments, we collect several types of customer data:Personal information: last name, first name, email address, and phone number. This information also allows your customers to create an Alma account to manage and track their payments.Bank details: credit card number, expiration date, and security code.We store personal information in our own data center. Bank details are stored with our partners. You can find more information on our page dedicated to our privacy and data management policy.Under no circumstances do we use your customers' information for commercial purposes. Your customers are guaranteed not to receive any unsolicited communications from third-party companies.
[H2] Why choose Alma's installment payment solution?
With Alma, you are choosing an installment payment solution that is committed to merchants and their customers.Our solution is designed to support your growth and maximize your business performance. We also provide you with personalized support.We guarantee high customer satisfaction with an optimized shopping experience, as well as a 100% responsible approach that is unique in the market.We do not charge late fees or hidden costs. Customers can even postpone a payment in just a few clicks without delaying your payment. Your customers appreciate this gesture, which has a positive impact on your brand image.Put finance back to work for your business
[H2] Increase sales with Alma installment payments
Get started nowRequest a demo
[H3]

The Alma app is now available - Keep control of all your payments, wherever you are. Download the appAlmaLog inCreate an accountRequest a demoOpen menu
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[H4] Pricing
Commission you can share with your customersNo commitment, no subscription and no setup fees
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[H4] Guaranteed payment
Your customer pays later, but you receive the money instantlyBringing finance back to commerce
[H2] Increase your sales, just like the 21 000 brands already using Alma
Contact us
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The Alma app is now available - Keep control of all your payments, wherever you are. Download the appAlmaCustomer portalOpen menu
[H1] Unlock your purchases, pay in instalments.
Pay with Alma at over 21,000 retailers and adjust your payment schedule for free if needed.
[H2] Simple and immediate payment in instalments.
With Alma there's no complicated paperwork involved; your purchase is completed in a few clicks, and the response is instant.
[H2] Postpone your Installments for free
Need more flexibility? Postpone your payments from your app without justification or fees. You decide.
[H2] Available with your favourite brands
Pay in 2 to 12 instalments at over 21,000 partner shops and websites.
[H2] With Alma, paying in instalments becomes simple, smooth, and without surprises.
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[H3] Compatible with your payment methods
Visa, Mastercard, American Express.
[IMG: 100% transparent, 0 late fees]
[H3] 100% transparent, 0 late fees
No nasty surprises: no hidden fees, no late fees.
[IMG: Guaranteed security]
[H3] Guaranteed security
Enhanced security: your data is protected from hacking and theft.
[H2] Take Alma with you everywhere
Keep an eye on your ongoing payments, postpone your deadlines for free, discover where to pay with Alma.
[H2] European instalment payment, available in 10 countries and highly rated by its users
Chrystelle
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I needed to postpone my monthly instalments due to an unexpected financial issue, and I was able to do it for free. The service is completely free; it's very…Read moreVictor
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I am very satisfied with this 4X payment option, and we can also pay the instalments in advance if we want, so since I enjoy doing that most of the time…Read moreKarine
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Nothing to complain about. It's great to be able to spread payments over several months. The emails keep us informed about where we stand. Very good.
[H2] Pay with Alma for your favourite brands and services
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[H3]

The Alma app is now available - Keep control of all your payments, wherever you are. Download the appAlmaLog inCreate an accountRequest a demoOpen menu
[H2] Our fees
Whether you are a small independent store, a franchise network, or a department store, our rates are adapted to your business.Standard offer
[H2] Up to €1M of turnover
No set-up fees or monthly feesShare commissions with your customersNo more problems with fraud, unpaid bills or collectionOur standard offersCustomized offer
[H2] Over €1M of turnover
Let's build the solution of payment in instalments together, adapted to your needs. Decreasing rates according to volumes.Contact us
[H2] Our offers
Discover the rates of our different payment solutions.Payment in 2x 3x 4xPay LaterAlma FinancingCash paymentPayment in 2x 3x 4xPay LaterAlma FinancingCash paymentAny question?Contact us
[H3] Pay in
2x3x4xNo fee sharing with the customer
[H3] Payment in 2 instalments
Your customers pay at their own rhythm with payment in 2 times3,60% HTFee sharingExplore the option to share some of the costs with your customers.Customer feesYour fees0,71% HTmax fees2,89% HTThese rates may be adjusted according to the risk identified. As an exception, an automatic increase in rates will apply when the buyer uses an American Express card or a business card.Get started with Alma
[H3] Pay Later
D+15D+30No cost for the customer
[H3] Payment 15 days later
Your customers buy immediately and pay 2 weeks later4,20% HTFee sharingNeed to share the cost? Explore the option to share some of the costs with your customers.Customer feesYour fees0,71% HTmax fees3,49% HTThese rates may be adjusted according to the risk identified. As an exception, an automatic increase in rates will apply when the buyer uses an American Express card or a business card.Contact usFinancing
[H3] Join the waiting list
Increase your conversion on your most important shopping carts. Offer available only under certain eligibility conditions.Waiting listPlease note: payment in 5 to 12 times is only available after having payment in 2, 3, 4 times.Register on the waiting listNo charge for the customer
[H3] One-off payment
Make it easy for your customers to pay with contactless link paymentContact usContact us
[H2] Discover the impact of Alma on your turnover
Calculate your ROIFAQSee our FAQ
[H2] How can I share fees with my customers?
Sharing fees with your customers is possible, but subject to regulatory constraints.Generally speaking, we recommend that merchants who use deferred payment or payment in instalments take the maximum amount of fees from their customers, as this maximizes their conversion rate.If you still want to set up fee sharing, you can set it up in your Alma account, where you can also find information about regulatory constraints.
[H2] Is there a subscription or setup fee?
No. We only pay ourselves by taking a commission on the transactions made through our payment solution. There are no additional fees (no application fees, no setup fees, no hidden costs), and no commitment is needed from you.
[H2] Can I try Alma for free?
With Alma, you only pay when you make a sale.We provide you with a free test environment (the "Sandbox") that allows you to try and test your integration from A to Z before making it available to your customers.
[H2] Will I incur additional costs if I default on a payment?
No. There are no additional costs associated with late payments by your customers on transactions made with our payment solutions. You get paid in full, whether your customer honors their payments or not.Robin AliCo-founder, Panda TeaWe knew that up to 20% of sales are paid for in installments on some websites, so we're keen to try Alma. We're delighted with the solution: it's easy to set…Read moreGeorges SimonCEO, Jane de BoyAlma has accounted for a big share of our customer spend since we introduced it. We weren't expecting it to have such an impact: Alma has really boosted our b…Read moreStéphanie CrijnsE-commerce Specialist, KitchenaidWe chose Alma for our payment in installments as it's so quick and intuitive for the end consumer. And the integration is easy for us as a business! Thanks to…Read moreLivio TabbiVP Global Retail, The KooplesWe have deployed Alma on our entire in-store network in record time. The solution is simple, intuitive and high-performance and the support from Alma to our i…Read moreBringing finance back to commerce
[H2] Join over 21 000 brands who trust Alma
Contact us
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