Finzr

Finzr Pay - Solution Paiement Fractionné 3x 4x pour Garages et Concessions Automobiles

FLOA certified solution
Your customers pay in 4x

Turn your quotes into paid invoices. Finzr Pay is the app that secures your cash flow and offers flexibility to your customers.

Check my eligibility
48h creditZero default
The reality

Repair costs are skyrocketing.
Your customers feel it.

€718 on average in 2024, vs €657 in 2023¹. Result: 25% of your customers postpone their appointment for fear of the cost, and only 15% do preventive maintenance².

Offering split payment is no longer optional—it's an essential conversion lever.

  • Increase your average basket by 25%
  • Retain customers looking for flexibility
+€61 vs 2023
€718
Average repair bill 2024¹
25%
Postpone appointments due to cost²
15%
Do preventive maintenance²
Sources : ¹Journal Auto 2024, ²La Dépêche 2024
Official Partner

Powered by Floa

European leader in installment payments, a BNP Paribas subsidiary.

Floa simplifies payments for over 4 million customers and 15,000 merchant partners across Europe. Voted Customer Service of the Year 4 times in a row.

4M+

Customers

15,000+

Merchant partners

7

European countries

Customer Service of the Year 2024

4th consecutive year in the "Credit Organization" category

Floa Logo
BNP Paribas Subsidiary
Visit floapay.fr

Simple as a text message

No paperwork. An app designed for the workshop.

1

Quick entry

Enter the amount and customer's number in the Finzr Pay app. 20 seconds flat.

2

Customer validation

The customer receives a secure FLOA link via SMS. They complete their personal details and validate the payment by bank card*, and their payment schedule.

3

Guaranteed payment

You receive 100% of the amount within 48h by bank transfer. Your cash flow is protected.

* FLOA subject to acceptance of your application by FLOA and after expiration of the legal withdrawal period. FLOA Société Anonyme with capital of €72,297,200 - Registered office: Immeuble G7, 71 rue Lucien Faure, 33300 Bordeaux - RCS Bordeaux 434 130 423. Subject to supervision by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4 Place de Budapest, CS 92459, 75436 Paris cedex 09. Orias No.: 07 028 160 .(www.orias.fr).

Installment payment offer simulator

1200 €
Your customer pays (4x)300.00 € /mois
You receive (within 48h)1127.28 €

Simulation for illustrative purposes only. Rates shown are subject to change and determined by our partner FLOA.

Pro Interface

Stay in control of your payments.

In real time.

Track every payment file from a simple and intuitive interface. View statuses, amounts, and timelines at a glance.

Real-time tracking

Instantly view the status of each file: sent, opened by the customer, accepted, or declined.

Full transparency

Access details of each transaction: invoiced amount, service fees, and net amount received.

Multi-site management

Filter by salesperson or dealership for an overview or individual tracking.

Complete history

Access all your past files for simplified tracking.

Included in your subscription
Finzr Pay payment file tracking interface
ROI Calculator

Calculate your business impact

Estimate your potential gains based on 2024 automotive market data.

Your business

150

Number of repairs and maintenance invoiced

718 €

2024 market average: €718

Expected impact

You display the 3x/4x option and actively offer it to customers.

Adoption:25%Basket:+15%Recovery:10%

Data based on Journal Auto 2024 and La Dépêche 2024

Your potential with Finzr Pay

Estimated net annual gain

+80 327 €

ROI: 17930%

Basket increase

38 customers/month using 3x/4x

+4 039 €/mois
Recovered customers

4 customers/month recovered

+2 693 €/mois
Finzr Pay subscription
-29 €/mois

Realistic : 38 customers/month will choose 3x/4x, and you'll recover 4 customers who would have postponed.

Response within 72 business hours

Indicative simulation based on market averages. Actual results may vary depending on your business.

Q1 2026 Cohort

Become a partner

15 spots to shape the future of automotive split payment. Save €340 in your first year.

€340savings in year 1
12 spots out of 15
Closes: March 31, 2026
-50% activation

Activation fees

€100 instead of €200 setup fees

€29/month

Reduced subscription

€29/month instead of €49 for 12 months

Training included

VIP Onboarding

Dedicated training session with our team

No commitment • Approval in 72h

Program reserved for professionals with over €2M revenue (groups, networks or established independents) • Check my eligibility

Are you eligible?

FLOA approval requires financial stability criteria.

Established automotive professionals

Garage groups (4+ sites)

Network franchisees (AD, Point S, Speedy...)

Dealerships & brand agents

Established independent mechanics (revenue > €2M)

Accessory retailers & parts distributors

E-commerce sites selling parts or accessories

Frequently asked questions

Everything you need to know about how it works.

FLOA is the installment payment subsidiary of BNP Paribas Group, voted Customer Service of the Year 4 consecutive times. Learn more about our partner
FLOA split payment can be offered on repair, maintenance, and accessory invoices and quotes. However, it cannot be used for initial financing installments or for the purchase of used vehicles.
3x or 4x payment is available for baskets ranging from €50 to €3,000. This range allows you to cover both minor services and major unexpected repairs.
As a professional, you have the choice: either you cover the fees and offer your customer a free payment facility, or you choose to have them paid by your customer.
No, FLOA split payment is exclusively reserved for individual consumers.
FLOA pays you directly. As soon as your customer validates their payment, you receive 100% of the amount by bank transfer within 48h.
Simplicity first. For standard amounts in 3x or 4x, only a valid bank card (CB, Visa, Mastercard) is needed. No pay slip, no bank details, no paper file.
Nothing for you. FLOA assumes 100% of the default risk. Once you're credited (within 48h), the money is definitively yours. Collection is exclusively FLOA's responsibility.
No. FLOA 3x or 4x payment is not consumer credit. It's a payment facility. If you choose to pass fees to your customer, these are service fees, not interest. No credit application, no income verification required.
Yes, Finzr Pay is available via API. You can use it at point of sale AND on your website. Specific connection fees apply.
Limited spots

Ready to boost your revenue?

Join the 15,000 partners who trust FLOA. Approval in 72h.

Finzr Pay Team

Launch offer reserved for the first 15 partners.

Need auto financing? Discover Finzr Credit