The BNPL market in France

The BNPL market in France brings together specialist fintechs and subsidiaries of banking groups. French fintech Alma reports €2.5bn of gross merchandise volume in 2025, up 30%, and 23,000 partner merchants in Europe, according to Finyear. Klarna claims 2.9 million regular users in France, according to Pricebank (March 2026). Oney, Floa, Cofidis, Cetelem, Sofinco, Younited, Scalapay and PayPal complete the instalment payment offer.

Split payments enter the consumer credit regime in France on 20 November 2026. Ordonnance n° 2025-880 of 3 September 2025 transposes Directive (EU) 2023/2225 and covers mini-loans under €200 and credits of under three months with negligible costs, according to Village de la Justice. According to LSA, BNPL providers will have to assess customers’ creditworthiness and offer a fourteen-day right of withdrawal.

The Observatoire de l’inclusion bancaire reports a 9.8% rise in over-indebtedness filings in France in 2025 compared with 2024. Young people aged 18 to 29 account for 12% of filers, versus 5% in 2022. The OIB pays closer attention to split payments and mini-loans, which are risky for vulnerable groups, and recommends systematically consulting the FICP (the French national register of credit repayment incidents) before any lending.

According to Le Nouvel Économiste (August 2025), citing Worldpay, global BNPL spending rose from $2bn ten years ago to $342bn the previous year. Specialists such as Klarna and Affirm pay merchants upfront in return for a fee, for example $3 on a $100 purchase. In France, the BNPL market reaches €9.8bn of split payments in 2025, according to LSA.

A PDF report in French, 2026 edition, organised in six chapters: BNPL and its scope, market size and dynamics, demand and usage, supply and players, the CCD2 directive and regulation, and market outlook.

Publications from the Banque de France and the Observatoire de l’inclusion bancaire, the official texts transposing Directive (EU) 2023/2225, company communications and trade press articles from the IndexPresse database. Every figure comes with its source and period.

Yes. The study is updated before it is sent, within 48 hours at most: it includes the latest published data, and every figure comes with its source and period.

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