As BNPL reached maturity in France and Europe and commonplace online, players in the sector are accelerating their transformation. Longer instalments, new verticals, extended services and super-apps: announcements are multiplying as the DCC2 directive is set to partially reintegrate offers of less than 90 days into the long-term credit framework. Pauline Tolila (Younited), Louis Chatriot (Alma), Gabrielle Canal (Scalapay) and Julien Cailleau (Oney) reveal to mind Retail priorities and growth plans for 2026.
BNPL, a major lever for conversion and average basket in e-commerce, is capturing the attention of retailers ahead of the holiday season. In recent months, announcements have followed one another in this market, blurring the line between instalment payments (in three or four slots) and long-term credit (over 90 days). In October 2025, Klarna announced the launch in France of a 12-month payment offer. Alma (21,000 merchants, average basket €430) is following the same strategy, accelerating the
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Article authors
Sophie Baqué
Chief Editor of mind Retail