Alma paymentsBeta
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Alma is a Buy Now, Pay Later payment method available in France that gives your customers flexibility.
When customers select Alma as their payment method, Stripe redirects them to Alma’s website, where they get the ability to choose between 2, 3, or 4 installments to complete their purchase. You are paid immediately.
Payment flow
Get started
You don’t actually have to integrate Alma and other payment methods individually. If you use our front-end products, Stripe automatically determines the most relevant payment methods to display. Follow a quickstart for one of our hosted UIs:
After setting up your payment form, activate the payment methods you want using the Stripe Dashboard.
Other payment products
The following Stripe products also support adding Alma from the Dashboard:
If your integration requires manually listing payment methods, learn how to manually configure Alma as a payment.
Prohibited business categories
In addition to the industry and business categories listed in Prohibited and restricted business, Alma prohibits the following categories:
- Sole proprietorships or individual accounts
- Business to Business Services
- Educational services
- Professional services (including, but not limited to, legal, consulting, and accounting)
- Transportation services
- Travel services
- Telecommunication services and utilities
- Veterinary services
See a full list of prohibited activities. Even if an activity isn’t listed as prohibited, your business might still be ineligible for Alma due to risk-related reasons.
Refunds
Alma supports full and partial refunds. The refund period is up to 180 days after the purchase. Refunds for Alma payments are asynchronous and take up to 5 minutes to complete. We will notify you of the final refund status using the charge.refund.updated
webhook event. When a refund succeeds, the Refund object’s status transitions to succeeded
. In the rare instance that a refund fails, the Refund object’s status will transition to failed
and we will return the amount to your Stripe balance. You will then need to arrange an alternative way of providing your customer with a refund.
Disputed payments
Customers must authenticate Alma payments by logging into their Alma account. This requirement helps reduce the risk of fraud or unrecognized payments. While Alma covers losses incurred from customer fraud, Alma might contact you and request to stop or pause shipment before incurring any losses. Please comply promptly with these requests.
Customers have up to 120 calendar days from the date of purchase to file a dispute. The dispute process works like this:
After the customer initiates a dispute, Stripe notifies you through email, the Stripe Dashboard, and an API
charge.dispute.created
event (if your integration is set up to receive webhooks).Stripe holds back the disputed amount from your balance until Alma resolves the dispute.
Stripe requests that you upload compelling evidence that you fulfilled the purchase order using the Stripe Dashboard. This evidence can include:
- A received return confirmation (for shipped goods returned from the customer to you)
- The tracking ID
- The shipping date
- A record of purchase for intangible goods, such as IP address or email receipt
- A record of purchase for services or physical goods, such as phone number or proof of receipt
This information helps Alma determine if a dispute is valid or if it should be rejected. Make sure the evidence you provide contains as much detail as possible from what the customer provided at checkout. You must submit the requested information within 14 calendar days. Alma makes a decision within 25 calendar days of evidence submission. If Alma resolves the dispute with you winning, Stripe returns the disputed amount to your Stripe balance. If Alma rules in favor of the customer, the balance charge becomes permanent.
Warning
Alma requires merchants to maintain reasonable fraud and dispute rates. Increases to your fraud and dispute rates might result in losing access to Alma.
Note
If you prefer to handle disputes programmatically, you can respond to disputes using the API.
Supported currencies
You can create Alma payments in the currencies that map to your country. The default local currency for Alma is eur
and customers also see their purchase amount in eur
.
Currency | Country |
---|---|
eur | France |