An original solution at the heart of an ultra-competitive market
Commonly known as BNPL for Buy Now Pay Later, the split payment market is growing. Estimated at 25 billion euros in 2025, against 6 billion in 2019, its high-speed development is fueling envy. According to the Fintech Horizon 2021 study conducted by Kleinblue, 12% of merchants in France would already accept a deferred payment solution. With already recognized players such as Alma, Younited or Pledg, the market has a bright future ahead of it.
In the same category
The launch of Django comes within the framework of the acceleration of the diversification of the Postal Bank in the activities identified as being with high added value. "The challenge of this new Django subsidiary is to support the development of e-commerce, while capitalizing on the solid links forged by the La Poste group with many e-merchants through its logistics solutions or even its payment solutions and funding," explains Philippe Heim, Chairman of the Management Board of La Banque Postale.
The Django solution logo. Image: Postal Bank.
A payment solution in installments (2, 3 or 4 installments), deferred payment (15, 30 or 45 days) and accessible up to 6,000 euros in purchases, Django integrates directly into the merchants' purchasing process and offers a full range of financing. With a commission, calculated in APR for more transparency, ranging from 2-5% to 5% of the purchase amount, the Django solution is on the low commission range of the market, making it particularly competitive.
The solution also benefits from a simplified and streamlined customer experience. For merchants, it is a completely plug and play solution. For customers, it's an option that fits seamlessly into the buying journey.
A resolutely civic and differentiating positioning
La Banque Postale Consumer Finance (LBP CF) values its civic engagement. A local bank, with its 17,000 contact points spread throughout France, it is also a leader in sustainable finance and ranks among the top ranks of non-financial rating agencies. This strong civic identity is reflected in the new Django solution through several strong commitments.
As part of a desire for transparency and a relationship of trust with its customers, a partnership with Cresus, the first association for the fight against over-indebtedness in France, has been set up, with the aim in particular of making the Budget Grande application available. Speed allowing the easy calculation of the remainder to live. “We are convinced that we have a role to play in encouraging more reasoned consumer practices,” explains Jocelyne Amégan-Douaud, Managing Director of Django. "Our payment solution in installments is part of a citizen logic of accompanying the consumer, and supporting all merchants," she concludes.
Finally, Django customers will soon be able to measure the carbon impact of their purchasing behavior thanks to a partnership with the Carbo application. It allows you to easily measure your daily carbon footprint.
One step ahead of regulatory changes and strong ambitions displayed
In summary, Django's civic positioning as well as the solid support of its parent company, Banque Postale Consumer Finance, will certainly enable it to do well in a Buy Now Pay Later market which promises to be increasingly more competitive.