This payment solution is reserved for individuals (natural persons of legal age) who reside in Portugal and are holders of a Visa or Mastercard credit or debit card, the validity date of which must cover the duration of the financing.

During this entirely online, fast and secure process, no supporting documents will be requested.

Maestro, NP6, Revolut, American Express and Electron cards are not accepted.

Payment in 3 instalments by credit or debit card is an instalment payment in 3 instalments according to the following plan:

• 1st payment on the day the order is validated: one third of the total amount
• 2nd payment 30 days after the order is validated: one third of the total amount
• 3rd and final payment 60 days after the order is validated: one third of the total amount.

The opening fee is the responsibility of the client or the merchant.

The opening fee, if charged to the client, is divided among the 3 payment dates.

Payment in 4 instalments by credit or debit card is a payment divided into 4 instalments according to the following plan:

• 1st payment on the day of order validation: one quarter of the total order amount
• 2nd payment 30 days after order validation: one quarter of the total order amount
• 3rd payment 60 days after order validation: one quarter of the total amount
• 4th and final payment 90 days after order validation: one quarter of the total amount

The opening fee is the responsibility of either the customer or the merchant.

If the opening fee is borne by the customer, it is divided across the 4 payment dates.

For any questions related to the order or return, contact Bee Store. For any questions related to the payment or refund of your purchase, you can send an email to contactopt@floa.com 

You can also use the chat in your FLOA user account.

Yes, you can change your mind and exercise your right of withdrawal. You have a period of 14 consecutive days after the date of your order validation.

However, it is mandatory to follow a procedure: the customer must inform us of their intention by phone, email, or chat.

If the customer wishes to submit their request by post, they must use the detachable "4X payment" withdrawal form found in the General Terms and Conditions of "4X payment" on the FLOA Pay website.

This form must be sent by registered mail to the following address: FLOA Bank, SERVICE CONSOMMATEUR – FLOA Bank, 36 rue Messines, 59686 LILLE CEDEX9.

For a 3X or 4X FLOA payment, early repayment of your financing is not possible.