Alma

Alma provides deferred and installment payment solutions for both online and physical stores. The company primarily serves retail businesses of all sizes, from independent shops to large department stores and franchise networks, enabling them to offer flexible payment options to their customers.

Its business model is based on a transparent fee structure tied to the transactions processed. Alma assumes 100% of the risk for unpaid installments, guaranteeing that merchants receive the full payment for every order. This approach helps businesses increase their conversion rates and average order value by making purchases more accessible to a wider range of customers. The company operates in the growing "Buy Now, Pay Later" (BNPL) market, offering payment in 2, 3, or 4 installments, as well as deferred payment options of 15 or 30 days.

Keywords: payment solutions, buy now pay later, installment payments, deferred payments, retail finance, e-commerce, point of sale, merchant services, financial technology, risk management