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  • Payment
  • France

With Franfipay, SG aims to make long-term credit 100% digital

To meet the needs of e-merchants, Franfinance announces the launch of Franfipay, a range of 100% online financing solutions, accessible to individuals via Franfinance partner e-commerce sites. In doing so, Franfinance is broadening the scope of online credit, opening up the possibility of financing goods up to 30,000 euros.


  • Franfipay is a marketed offer that covers several financing options:

    • 3 and 4-installment payment facilities free of charge for amounts under €4,000 

    • Credit financing over 4 to 60 months for amounts between €100 and €30,000.

  • In the case of credit financing, acceptance is immediate for amounts under €3,000. Beyond that, a final decision is given within 24 to 48 hours.

  • The entire process is dematerialized, thanks to the use of APIs to retrieve the supporting documents required for scoring:

    • APIs from ISPs and telecom operators to retrieve proof of address

    • API from Boursorama Banque's aggregator to analyze the customer's financial situation.


  • Digitizing long-term credit, essential to the evolution of e-commerce: in its e-commerce 2022 report, FEVAD reveals that the number of transactions carried out online and the amount of the average basket have increased by 6.5% and 6.9% respectively compared to 2021.  According to Franfinance, consumers now expect the same financial facilities from e-commerce as those available in stores selling capital goods (major appliances, DIY, etc.). Hence the need to rework the online credit application process.

  • Pushing the limits of open-banking even further: Franfinance was already using open-banking to score its customers. Today, the financial player is going one step further by offering its e-merchant customers credit financing options over longer terms, while maintaining the simplicity of the process thanks to data aggregation. This minimizes the need for customers to provide supporting documents.

  • A focus on e-merchants: this initiative is part of Societe Generale's wider strategy to build a comprehensive service for e-merchants. The new Franfipay offer, which revisits existing fractional payment offers, is designed to meet the needs of e-merchants.


  • Since 2019, Franfinance has been using open-banking to score customers for its financing offers, via the account aggregator co-developed with Boursorama Banque.

  • As a reminder, Sofinco and Decathlon have introduced Sofinco's 3xCB or 4xCB payment, presented as a fractional payment solution with instant authorization. It can be adapted to all sales channels, in-store or online, as it is compatible with different payment methods (mPOS, Smartphone, TPE). Floa has also been working for some time on adapting its technology to score customers "on the fly" for its online financing offers.