We don’t help people buy more, but buy better — to purchase the products they want, at their own pace, with confidence and control. At Alma, we understand that finance is a business catalyst, and our payment solutions bring significant added value to both merchants and customers across Europe (in Belgium, France, Germany, Italy, the Netherlands, and Spain). For merchants, our installment and deferred payment solutions are excellent ways to build customer loyalty, improve satisfaction, and generate up to 20% more revenue — all without risk, since Alma takes care of everything. For customers, the shopping experience is enhanced (rated 4.8/5 on Trustpilot), and Alma gives them the ability to manage their budget easily. They pay later, Alma pays the merchants immediately. For both merchants and customers, our strength lies in simplicity and efficiency — our goal is to create the smoothest, most pleasant, and most transparent experience possible.