ProgrammableMarketing/almapay.com (opens in a new tab)
PDF

Views

  • Plan
  • Roadmap
  • Research

On this page

  • The brief
  • Start here
  • Idea portfolio
  • Effort vs impact
  • This week · 6
  • This quarter · 10
  • Big bets · 3
  • Wildcards · 3
  • How we can help
Generated Oct 26, 2026
  1. Programmable
  2. Playbooks
  3. Alma
Alma logo

growth playbook · Oct 26, 2026

almapay.com (opens in a new tab)

Alma growth playbook

Diagnosis

Alma is France's BNPL leader with €160M+ ARR, 25,000+ merchants and 10 million consumers, and its hiring shows where it is going: a Madrid hub with Spanish and Portuguese AEs, Dutch support, a lifecycle manager to activate merchants and move off HubSpot, an experimentation engineer for merchant tests and its own funnels, partnerships and enablement, and a consumer wallet.

The site lags the expansion in places: Portugal has 13 pages, no pricing, no plugin pages and an older homepage, headline numbers differ across pages, and Dutch content is thin.

This playbook brings Portugal up to Spain, activates signed merchants and routes demos by market first, then scales merchant tests, plugin marketplaces, partner kits, early churn warnings, vertical plays and a consumer directory that sends shoppers to merchants.

Growth Score

7/10

Biggest Opportunity

Turn each new market's site and each signed merchant into revenue faster: local pages and proof for Iberia, activation to a first payment, and expansion of existing merchants across the countries Alma already covers.

Biggest Risk

Klarna, Scalapay, PayPal and Oney sell the same instalments in Spain, Portugal and the Netherlands, and a thin local presence makes Alma look like a French provider abroad.

01

Start here

The three moves to make first. Each one is written up in full below.

  1. 1

    Bring Portugal up to the Spanish site before the new Portuguese AE starts selling

    List the Spanish pages that have no Portuguese twin and rank them by sales use.

    High impact First result in 1 month
  2. 2

    A three-email activation sprint for signed merchants who have not taken a first payment

    Export signed merchants with zero payments and their integration type.

    High impact First result in 1 month
  3. 3

    Start the CRO programme with instant booking on the demo request, by market

    Map today's demo form answers to teams.

    High impact First result in 1 month

02

Your idea portfolio

22 ideas, grouped by when to run them. Open any idea for how to run it: the steps, who to approach, copy you can use, and how to measure it.

  • 6 ideas are marked Unexpected: plays you are unlikely to have tried.

    1 of these are things Programmable can build and run for you.

Every idea placed by the effort it takes against the impact it could have. Quick wins sit top left; select a number to open that idea. The filters below narrow the list by status, timing, category and what Programmable can build.

Effort vs impactEach number is an idea. Select one to open it.
Impact →
Quick wins · 3Big bets · 12Fill-ins · 6Reconsider · 1
Effort →

Showing 22 of 22 ideas

This week 6

Quick wins with a clear first action.

  • 01

    Alma is hiring a native-speaking AE to grow the Portuguese market from the new Madrid hub. But almapay.com/pt-PT has 13 pages to Spain's 73: no pricing page (/pt-PT/precos is a 404 while Spain has /tarifas), no Shopify, WooCommerce, PrestaShop or Magento pages, no 6-12 instalment page, no franchise or international page, no blog and no merchant stories. The Portuguese homepage still runs the pre-redesign template, with a "+20%" claim and testimonials from French brands, while Spain shows the redesigned page with Spanish merchants. A Portuguese merchant who checks Alma after the AE's first call sees a thinner, older site than the Spanish one.

    High impactMedium effort First result in 1 month Experimentation & Tracking En…

    First action

    List the Spanish pages that have no Portuguese twin and rank them by sales use.

    How to measure it

    Demo requests from /pt-PT

    Now
    –
    Target
    3x the current monthly level
    By
    90 days

    Steps

    1. 1

      Gap list

      Spanish pages with no Portuguese version.

      Experimentation & Tracking Engineer 1 day

    2. 2

      Redesigned homepage

      Same layout and claims as Spain, in Portuguese.

      Experimentation & Tracking Engineer 1 week

    3. 3

      Pricing page

      Translate /tarifas with local rates.

      Product Marketing Manager 3 days

    4. 4

      Plugin pages

      Shopify, WooCommerce, PrestaShop, Magento.

      Experimentation & Tracking Engineer 1 week

    5. 5

      Proof

      One Iberian merchant quote in Portuguese.

      Account Executive - Portuguese market 3 weeks

    6. 6

      Demo routing

      Portuguese form answers go to the Madrid team.

      Revenue Systems Lead 2 days

    7. 7

      hreflang and tracking

      Sitemap entries and market events.

      Experimentation & Tracking Engineer 1 day

    8. 8

      Review with the AE

      What prospects still ask for.

      Account Executive - Portuguese market monthly

    First result
    1 month
    Cost
    Translation and build time
    Owner
    Experimentation & Tracking Engineer

    Smallest test

    Publish the Portuguese pricing page and the WooCommerce page this month.

    Why it works

    Use the Spanish locale as the template and ship the Portuguese gaps in order of sales use: the redesigned homepage, pricing, the CMS plugin pages (Shopify, WooCommerce, PrestaShop, Magento), the 6-12 instalment page and the demo form routed to the Madrid team. Ask the first signed Iberian merchants for a Portuguese-language quote or story, and add hreflang entries as each page goes live. The experimentation engineer's brief already covers market pages and local content after the redesign; this makes Portugal the first market on that list.

    Mid-market merchants check pricing and their platform's plugin page before a second call. With those pages missing, the AE has to send PDFs and links to the Spanish site; with them live, organic Portuguese searches for "pagamento em prestações" plus a plugin name can reach Alma directly.

    Ready to use

    ChecklistPortugal parity list

    [ ] Redesigned /pt-PT homepage with current stats
    [ ] /pt-PT pricing page (Spain: /es-ES/tarifas)
    [ ] Shopify, WooCommerce, PrestaShop, Magento pages
    [ ] 6, 10 or 12 instalments page
    [ ] International and branches-and-franchises pages
    [ ] One Portuguese-language merchant quote
    [ ] Demo form routed to Madrid
    [ ] hreflang in the sitemap for each new page

    Risks and how to handle them

    • Machine translation reads as foreign

      Native review by the Portuguese AE before publishing.

    • Claims differ by market

      Use the June 2025 averages already on the Spanish page.

    Evidence

    • HiringAccount Executive Large Accounts - Spain and Account Executive - Portuguese market (Madrid, both posted October 23, 2026): the Iberia team is "already 5 people and aim to be around 10 by the end of 2027", with "a brand-new hub directly in Madrid"; it "will soon be managing €100M in volume, built in just one year". Merchants "signed in the last 12 months" include PcComponentes, Atrapamuebles, Maisons du Monde, Emma and Web Moveis. The Portuguese AE must be a native speaker, sell to merchants of €10M-250M turnover, "Contribute to the growth of Alma's presence and network in the Portuguese market" and represent Alma at trade shows.Source
    • Your websiteSitemap (645 URLs, checked October 23, 2026), pages per locale: fr-FR 289, it-IT 91, es-ES 73, nl-BE 34, de-DE 34, nl-NL 29, fr-BE 27, fr-LU 18, pt-PT 13. Blog posts: fr-FR 214, it-IT 54, es-ES 45, de-DE 14, nl-NL 7, pt-PT none. Portugal has a homepage, two product pages, online and in-store pages, consumers, contact, demo and legal pages; /pt-PT/precos and /pt-PT/blog return 404.Source
    • Your websiteSpain has what Portugal lacks: a pricing page (/es-ES/tarifas), integration pages for Shopify, WooCommerce, PrestaShop, Magento and Mollie, a 6, 10 or 12 instalment product page, international and branches-and-franchises pages, a press page and merchant stories (Prensa Stove "+20%" average ticket, Newcop "triplica sus ventas", Bloome "+30%" conversion, Wabi Home, Impress, Kuestiona).Source
    • Your websitePortuguese homepage (/pt-PT, October 23, 2026): still the earlier template, with the "+20%" sales claim and testimonials from The Kooples, KitchenAid, Jane de Boy and Panda Tea, none of them Portuguese merchants. The Spanish homepage has the redesigned layout (June 2025 averages: +15% conversions, +80% average basket, 33% repeat rate) and Spanish merchants (Impress, Wabi Home, Newcop).Source
    • HiringExperimentation & Tracking Engineer (Paris, posted October 21, 2026): runs A/B tests "on merchant websites" in Kameleoon, "with a target of 8 merchant tests going live over the year"; owns the tracking plan "across 8 markets"; builds "landing pages, product pages, market pages, and local content following the website redesign"; runs "a CRO programme on Alma's own funnels, starting with the demo request", while maintaining Core Web Vitals, technical SEO and hreflang.Source
  • 02

    The lifecycle manager's brief names "activating signed merchants who haven't taken a first payment" as a core journey, and the integrations PM measures "time to first payment". Every signed but inactive merchant is acquisition cost with no TPV.

    High impactLow effort First result in 1 month Lifecycle Marketing Manager

    First action

    Export signed merchants with zero payments and their integration type.

    How to measure it

    Merchants activated within 30 days of signing

    Now
    –
    Target
    +20%
    By
    60 days

    Steps

    1. 1

      Export list

      Signed, no payment, by integration.

      Lifecycle Marketing Manager 1 day

    2. 2

      Hold out a control

      10% of merchants.

      Lifecycle Marketing Manager 1 hour

    3. 3

      Write the sequence

      Per platform.

      Lifecycle Marketing Manager 3 days

    4. 4

      Offer setup calls

      With customer care.

      Customer Care team 1 day

    5. 5

      Send

      In HubSpot for now.

      Lifecycle Marketing Manager 1 day

    6. 6

      Measure

      Activation and first TPV.

      Lifecycle Marketing Manager weekly

    7. 7

      Carry over

      Rebuild in the new platform.

      Lifecycle Marketing Manager later

    First result
    1 month
    Cost
    $0
    Owner
    Lifecycle Marketing Manager

    Smallest test

    Send the first email to merchants signed in the last 90 days.

    Build the prospect list. The list compiled from public sources, verified, deduplicated and delivered to your CRM. Usually live within days.

    Book a working session

    Why it works

    Before the platform migration, pull the list of signed merchants with no payment, split by integration type (CMS plugin, API, in-store link), and send a three-step sequence: the exact setup guide for their platform, a 15-minute setup call, and a reminder with the first-payment checklist. Measure activation against a held-out control group.

    It is the fastest TPV the lifecycle team can add and does not need the new tool.

    Risks and how to handle them

    • Merchants waiting on their developer

      Offer a developer-ready email they can forward.

    Evidence

    • HiringLifecycle Marketing Manager (Paris, posted October 21, 2026): owns the B2B lifecycle "from lead to active merchant": lead nurturing, onboarding, "activating signed merchants who haven't taken a first payment", retention and win-back, with segments on industry, size, country, TPV and product usage; a campaign calendar including "credit upsell"; POS materials for in-store merchants; "Alma is opening up to B2C, with new consumer products on the way"; leads "the migration off HubSpot" ("Braze is the front-runner"); reports "on activations, reactivations and influenced TPV rather than open rates".Source
    • HiringSenior Product Manager - Integrations (posted August 26, 2026) measures "time to integration, time to first payment" across APIs, SDKs, CMS and PSP integrations; Senior Software Engineer - E-commerce (PHP) (posted August 28, 2026) maintains plugins for "Sylius, Magento, PrestaShop, WooCommerce, Shopify, and SFCC" serving "25,000+ merchants".Source
    • HiringSenior Account Performance Manager (Paris, posted October 22, 2026): each manager has "approximately 200 strategic merchants" turning over €1M-3M with Alma; "SMB and Mid-Market accounts represent around 40% of Alma's margin"; levers include upselling, "Optimizing pricing and payment plans", "Expanding into new countries" and spotting "early warning signs" of churn.Source
  • 03

    The experimentation engineer's CRO programme starts "with the demo request". Alma now sells from Paris, Madrid and Milan to merchants from small shops to €1Bn retailers, so the demo form has to route by country and size.

    High impactLow effort First result in 1 month Experimentation & Tracking En…

    First action

    Map today's demo form answers to teams.

    How to measure it

    Demo requests that book a meeting

    Now
    –
    Target
    +25%
    By
    60 days

    Steps

    1. 1

      Map routing

      Country and size to team.

      Revenue Systems Lead 2 days

    2. 2

      Add fields

      Three short questions.

      Experimentation & Tracking Engineer 1 day

    3. 3

      Add booking

      Team calendars.

      Experimentation & Tracking Engineer 3 days

    4. 4

      Self-serve path

      Under €1M.

      Experimentation & Tracking Engineer 2 days

    5. 5

      Test

      A/B against current.

      Experimentation & Tracking Engineer 3 weeks

    6. 6

      Report

      Meetings and pipeline.

      Experimentation & Tracking Engineer weekly

    First result
    1 month
    Cost
    Scheduling tool
    Owner
    Experimentation & Tracking Engineer

    Smallest test

    Add instant booking on the Spanish demo page first.

    Why it works

    Add country, turnover band and platform to the demo form, then show a calendar of the right team (SMB, mid-market, Iberia, Italy) instead of a thank-you page. Send merchants under €1M to self-serve sign-up with an offer of help. A/B test against the current form.

    Instant booking removes the wait between form and call, and routing sends each lead to the team that can close it.

    Risks and how to handle them

    • Fewer leads from extra fields

      Keep it to three questions.

    Evidence

    • HiringExperimentation & Tracking Engineer (Paris, posted October 21, 2026): runs A/B tests "on merchant websites" in Kameleoon, "with a target of 8 merchant tests going live over the year"; owns the tracking plan "across 8 markets"; builds "landing pages, product pages, market pages, and local content following the website redesign"; runs "a CRO programme on Alma's own funnels, starting with the demo request", while maintaining Core Web Vitals, technical SEO and hreflang.Source
    • HiringAccount Executive Large Accounts - Spain and Account Executive - Portuguese market (Madrid, both posted October 23, 2026): the Iberia team is "already 5 people and aim to be around 10 by the end of 2027", with "a brand-new hub directly in Madrid"; it "will soon be managing €100M in volume, built in just one year". Merchants "signed in the last 12 months" include PcComponentes, Atrapamuebles, Maisons du Monde, Emma and Web Moveis. The Portuguese AE must be a native speaker, sell to merchants of €10M-250M turnover, "Contribute to the growth of Alma's presence and network in the Portuguese market" and represent Alma at trade shows.Source
    • Your websitePricing: Standard offer "Up to €1M of turnover", "No set-up fees or monthly fees"; payment in 2 instalments 3.60% HT, pay later at 15 days 4.20% HT, with optional fee-sharing; "Financing - Join the waiting list", "payment in 5 to 12 times is only available after having payment in 2, 3, 4 times"; a customized offer above €1M.Source
  • 04

    The homepage says 26,000 merchants and 8 countries; the case studies page says 25,000 brands; job posts say 10 countries; the meta description promises "+20%" turnover while the page shows "+15%" conversions; the Portuguese homepage still shows the older "+20%". The enablement role is asked to audit content freshness.

    Medium impactLow effort First result in 2 weeks Revenue Enablement & Market I…

    First action

    List every page that states a headline number.

    How to measure it

    Pages using the current figures

    Now
    –
    Target
    100%
    By
    30 days

    Steps

    1. 1

      Agree numbers

      With Data and Legal.

      Revenue Enablement & Market Intelligence Manager 2 days

    2. 2

      Find pages

      All locales and meta descriptions.

      Experimentation & Tracking Engineer 1 day

    3. 3

      Update

      Copy and descriptions.

      Experimentation & Tracking Engineer 1 week

    4. 4

      Update decks

      Sales materials.

      Revenue Enablement & Market Intelligence Manager 1 week

    5. 5

      Set a check

      Quarterly freshness audit.

      Revenue Enablement & Market Intelligence Manager quarterly

    6. 6

      Automate

      Agent flags stale claims.

      Revenue Enablement & Market Intelligence Manager 1 month

    First result
    2 weeks
    Cost
    $0
    Owner
    Revenue Enablement & Market Intelligence Manager

    Smallest test

    Fix the homepage meta description this week.

    Why it works

    Create one source of truth for headline claims (merchants, consumers, countries, uplift figures with their date and method), update every locale and the meta descriptions to match, and add a quarterly freshness check.

    Consistent claims protect credibility with large merchants who compare pages and decks, and keep AI summaries and search snippets accurate.

    Risks and how to handle them

    • Regulatory wording

      Keep each figure with its date and method.

    Evidence

    • Your websiteEnglish homepage: "Trusted by 26,000 merchants across all retail sectors in Europe"; "+15% up to more conversions", "+80% average order value uplift", "90% approval rate" (June 2025); lists 8 countries. The meta description promises "boost your turnover by 20%", the case studies page says "more than 25 000 brands", and job posts say 10 countries. The page language is set to "en-FR".Source
    • Your websitePortuguese homepage (/pt-PT, October 23, 2026): still the earlier template, with the "+20%" sales claim and testimonials from The Kooples, KitchenAid, Jane de Boy and Panda Tea, none of them Portuguese merchants. The Spanish homepage has the redesigned layout (June 2025 averages: +15% conversions, +80% average basket, 33% repeat rate) and Spanish merchants (Impress, Wabi Home, Newcop).Source
    • HiringAlma in its job posts: "the buy now pay later leader in France and active in 10 European countries", "more than 25,000 merchants and 10 million consumers", "400+ Almakers and €160M+ ARR", a member of the Next40; merchants "boost sales by 20% or more"; "4.8/5 on Trustpilot".Source
    • HiringSenior Strategic Partnerships Manager (posted October 8, 2026): "partner-led and partner-assisted GTM plans, including co-marketing and co-selling programs"; Revenue Enablement & Market Intelligence Manager (open, updated September 24, 2026): "personalized case study narratives", "competitor comparisons, head-to-head comparisons", per-market buyer priorities, and AI agents for "content freshness auditing".Source
  • 05

    Spain has six merchant stories (Prensa Stove, Newcop, Bloome, Wabi Home, Impress, Kuestiona), but they sit in the blog, and the case studies page is French and European brands. Iberia's AEs sell to large accounts and need local proof in one place.

    Medium impactLow effort First result in 1 month Account Executive Large Accou…

    First action

    Pull the key number from each Spanish story.

    How to measure it

    Demo requests after viewing the page

    Now
    –
    Target
    +15%
    By
    90 days

    Steps

    1. 1

      Collect numbers

      Six stories.

      Account Executive Large Accounts - Spain 2 days

    2. 2

      Build page

      With sector filters.

      Experimentation & Tracking Engineer 3 days

    3. 3

      Link

      Homepage and demo.

      Experimentation & Tracking Engineer 1 day

    4. 4

      PDFs

      Two strongest.

      Revenue Enablement & Market Intelligence Manager 1 week

    5. 5

      Add new ones

      Each signed merchant.

      Account Executive Large Accounts - Spain ongoing

    6. 6

      Track

      Views and demos.

      Experimentation & Tracking Engineer monthly

    First result
    1 month
    Cost
    $0
    Owner
    Account Executive Large Accounts Spain

    Smallest test

    Publish the page with three stories.

    Why it works

    Build /es-ES case studies with the six stories, their key numbers, sector and platform, and filters by sector. Link it from the Spanish homepage and demo page, and turn the two strongest into one-page PDFs for the AEs.

    Local peers persuade local merchants, and a single page is easier to send after a call.

    Risks and how to handle them

    • Old numbers

      Date each story.

    Evidence

    • Your websiteSpain has what Portugal lacks: a pricing page (/es-ES/tarifas), integration pages for Shopify, WooCommerce, PrestaShop, Magento and Mollie, a 6, 10 or 12 instalment product page, international and branches-and-franchises pages, a press page and merchant stories (Prensa Stove "+20%" average ticket, Newcop "triplica sus ventas", Bloome "+30%" conversion, Wabi Home, Impress, Kuestiona).Source
    • HiringAccount Executive Large Accounts - Spain and Account Executive - Portuguese market (Madrid, both posted October 23, 2026): the Iberia team is "already 5 people and aim to be around 10 by the end of 2027", with "a brand-new hub directly in Madrid"; it "will soon be managing €100M in volume, built in just one year". Merchants "signed in the last 12 months" include PcComponentes, Atrapamuebles, Maisons du Monde, Emma and Web Moveis. The Portuguese AE must be a native speaker, sell to merchants of €10M-250M turnover, "Contribute to the growth of Alma's presence and network in the Portuguese market" and represent Alma at trade shows.Source
    • Your websiteCase studies page: Maisons du Monde (Alma in 214 shops and online; 95% acceptance, 20% higher conversion, three times the basket in store), KitchenAid (5 European countries, +92% average order value), MYCS (€7.2 million processed in France and Germany). The sitemap also lists merchant terms with HiPay and with Mollie in France and Belgium, and a page for the e-Show Barcelona trade fair.Source
  • 06

    Alma is hiring Dutch-speaking customer care for "our growth in the Dutch market", but nl-NL has 29 pages and 7 blog posts. Merchants and shoppers in the Netherlands will look for setup and payment help in Dutch first.

    Medium impactLow effort First result in 1 month Customer Care Officer Netherl…

    First action

    Export the most common questions from Dutch merchants and shoppers.

    How to measure it

    Tickets per merchant in NL

    Now
    –
    Target
    -20%
    By
    2 quarters

    Steps

    1. 1

      Collect questions

      From tickets.

      Customer Care Officer - Netherlands 1 week

    2. 2

      Write guide

      Setup to first payment.

      Customer Care Officer - Netherlands 1 week

    3. 3

      Shopper page

      How instalments work.

      Customer Care Officer - Netherlands 3 days

    4. 4

      Publish

      nl-NL and help center.

      Experimentation & Tracking Engineer 2 days

    5. 5

      Link

      Support and onboarding emails.

      Lifecycle Marketing Manager 1 day

    6. 6

      Review

      Ticket trends.

      Customer Care Officer - Netherlands monthly

    First result
    1 month
    Cost
    Staff time only
    Owner
    Customer Care Officer Netherlands

    Smallest test

    Publish the top ten questions in Dutch.

    Why it works

    Write a Dutch onboarding guide (plugins, payment links, first payment), the top 20 merchant and shopper questions from support tickets, and a Dutch page on how instalments work for shoppers. Link them from nl-NL and support emails.

    Self-serve answers in Dutch lower support load and speed up activation in a new market.

    Risks and how to handle them

    • Duplicates the help center

      Publish in the help center and link from the site.

    Evidence

    • HiringEngineering Manager - Mobile App (posted October 1, 2026): the Alma Wallet roadmap covers "the Alma card", Apple Pay, Google Pay, "local payment methods", "the consumer point-of-sale experience", identity verification and Open Banking. Customer Care Officer - Netherlands (posted October 14, 2026) is "part of our international expansion" to support "our growth in the Dutch market", in Dutch, French and English.Source
    • Your websiteSitemap (645 URLs, checked October 23, 2026), pages per locale: fr-FR 289, it-IT 91, es-ES 73, nl-BE 34, de-DE 34, nl-NL 29, fr-BE 27, fr-LU 18, pt-PT 13. Blog posts: fr-FR 214, it-IT 54, es-ES 45, de-DE 14, nl-NL 7, pt-PT none. Portugal has a homepage, two product pages, online and in-store pages, consumers, contact, demo and legal pages; /pt-PT/precos and /pt-PT/blog return 404.Source
    • HiringLifecycle Marketing Manager (Paris, posted October 21, 2026): owns the B2B lifecycle "from lead to active merchant": lead nurturing, onboarding, "activating signed merchants who haven't taken a first payment", retention and win-back, with segments on industry, size, country, TPV and product usage; a campaign calendar including "credit upsell"; POS materials for in-store merchants; "Alma is opening up to B2C, with new consumer products on the way"; leads "the migration off HubSpot" ("Braze is the front-runner"); reports "on activations, reactivations and influenced TPV rather than open rates".Source

This quarter 10

The core plays for the next three months.

  • 07

    The lifecycle manager will lead the move off HubSpot, with Braze the front-runner, and is asked to report activations, reactivations and influenced TPV rather than open rates.

    High impactHigh effort First result in 2 quarters Lifecycle Marketing Manager

    First action

    List all live HubSpot workflows with their goal and last change.

    How to measure it

    Lifecycle-influenced TPV

    Now
    –
    Target
    measured monthly with control groups
    By
    2 quarters

    Steps

    1. 1

      Audit workflows

      Keep, rebuild or drop.

      Lifecycle Marketing Manager 1 month

    2. 2

      Pick platform

      Braze or alternative.

      Lifecycle Marketing Manager 1 month

    3. 3

      Data model

      Segments and consent.

      Growth Engineer 1 month

    4. 4

      Rebuild core journeys

      Five journeys.

      Lifecycle Marketing Manager 1 quarter

    5. 5

      Control groups

      Every journey.

      Lifecycle Marketing Manager ongoing

    6. 6

      Switch off HubSpot

      On schedule.

      Lifecycle Marketing Manager 2 quarters

    7. 7

      Report

      Weekly TPV.

      Lifecycle Marketing Manager weekly

    First result
    2 quarters
    Cost
    Platform cost
    Owner
    Lifecycle Marketing Manager

    Smallest test

    Add a control group to the onboarding journey now.

    Why it works

    Before migrating, audit every live workflow and keep only those that can show TPV impact. Rebuild the core journeys (nurture, onboarding, activation, win-back, credit upsell) with a standing control group, shared segments with Data, and a weekly TPV report.

    A migration is the one moment old workflows can be dropped without politics, and control groups prove what lifecycle is worth.

    Risks and how to handle them

    • Gaps during migration

      Run both for priority journeys until checked.

    Evidence

    • HiringLifecycle Marketing Manager (Paris, posted October 21, 2026): owns the B2B lifecycle "from lead to active merchant": lead nurturing, onboarding, "activating signed merchants who haven't taken a first payment", retention and win-back, with segments on industry, size, country, TPV and product usage; a campaign calendar including "credit upsell"; POS materials for in-store merchants; "Alma is opening up to B2C, with new consumer products on the way"; leads "the migration off HubSpot" ("Braze is the front-runner"); reports "on activations, reactivations and influenced TPV rather than open rates".Source
    • HiringSenior Account Performance Manager (Paris, posted October 22, 2026): each manager has "approximately 200 strategic merchants" turning over €1M-3M with Alma; "SMB and Mid-Market accounts represent around 40% of Alma's margin"; levers include upselling, "Optimizing pricing and payment plans", "Expanding into new countries" and spotting "early warning signs" of churn.Source
  • 08

    Alma runs A/B tests on merchant websites with a target of 8 tests a year. Each successful test is proof for a sales deck and an upsell for the account manager, but eight a year is a small number for 25,000 merchants.

    High impactMedium effort First result in 2 quarters Experimentation & Tracking En…

    First action

    Write the first template from the best past test.

    How to measure it

    Merchant tests live

    Now
    –
    Target
    20 a year
    By
    4 quarters

    Steps

    1. 1

      Template tests

      Three placements.

      Experimentation & Tracking Engineer 1 month

    2. 2

      Eligibility check

      Traffic and tech.

      Experimentation & Tracking Engineer 1 week

    3. 3

      Readout format

      One page.

      Experimentation & Tracking Engineer 1 week

    4. 4

      Train account managers

      When to offer.

      Senior Account Performance Manager 2 weeks

    5. 5

      Run

      Top merchants first.

      Experimentation & Tracking Engineer ongoing

    6. 6

      Publish results

      By sector.

      Revenue Enablement & Market Intelligence Manager quarterly

    First result
    2 quarters
    Cost
    Engineering time
    Owner
    Experimentation & Tracking Engineer

    Smallest test

    Offer the product-page template to five merchants.

    Why it works

    Build three standard test templates (instalment message on product pages, at the basket, at checkout), a short eligibility check, and a one-page readout format. Let account managers offer them to their top merchants, and publish anonymised results by sector.

    Standard tests scale the practice, and each readout is both a retention tool and a case study.

    Risks and how to handle them

    • Inconclusive tests

      Use the eligibility criteria strictly.

    Evidence

    • HiringExperimentation & Tracking Engineer (Paris, posted October 21, 2026): runs A/B tests "on merchant websites" in Kameleoon, "with a target of 8 merchant tests going live over the year"; owns the tracking plan "across 8 markets"; builds "landing pages, product pages, market pages, and local content following the website redesign"; runs "a CRO programme on Alma's own funnels, starting with the demo request", while maintaining Core Web Vitals, technical SEO and hreflang.Source
    • HiringSenior Account Performance Manager (Paris, posted October 22, 2026): each manager has "approximately 200 strategic merchants" turning over €1M-3M with Alma; "SMB and Mid-Market accounts represent around 40% of Alma's margin"; levers include upselling, "Optimizing pricing and payment plans", "Expanding into new countries" and spotting "early warning signs" of churn.Source
    • HiringSenior Strategic Partnerships Manager (posted October 8, 2026): "partner-led and partner-assisted GTM plans, including co-marketing and co-selling programs"; Revenue Enablement & Market Intelligence Manager (open, updated September 24, 2026): "personalized case study narratives", "competitor comparisons, head-to-head comparisons", per-market buyer priorities, and AI agents for "content freshness auditing".Source
  • 09

    Alma maintains plugins for Sylius, Magento, PrestaShop, WooCommerce, Shopify and SFCC, and measures time to first payment. Small merchants find payment options in their platform's app store, not on almapay.com.

    High impactMedium effort First result in 1 quarter Senior Product Manager Integr…

    First action

    Compare installs and active merchants by platform.

    How to measure it

    Plugin installs reaching a first payment

    Now
    –
    Target
    +20%
    By
    2 quarters

    Steps

    1. 1

      Baseline

      Installs and activations by platform.

      Senior Product Manager - Integrations 1 week

    2. 2

      Rewrite listings

      All languages.

      Product Marketing Manager 1 month

    3. 3

      Collect reviews

      Active merchants.

      Lifecycle Marketing Manager 1 month

    4. 4

      Guided setup

      Ends with a test payment.

      Senior Software Engineer - E-commerce (PHP) 1 quarter

    5. 5

      Track

      By platform.

      Senior Product Manager - Integrations monthly

    6. 6

      Fix the worst

      Lowest activation first.

      Senior Software Engineer - E-commerce (PHP) ongoing

    First result
    1 quarter
    Cost
    Engineering time
    Owner
    Senior Product Manager Integrations

    Smallest test

    Rewrite the WooCommerce listing.

    Why it works

    Rewrite each marketplace listing in every Alma language, ask active merchants on each platform for reviews, add a guided setup that ends with a test payment, and track installs to first payment by platform.

    Marketplace listings bring self-serve merchants at low cost, and better setup lifts the activation rate the lifecycle team is measured on.

    Risks and how to handle them

    • Platform rules on reviews

      Ask only as each marketplace allows.

    Evidence

    • HiringSenior Product Manager - Integrations (posted August 26, 2026) measures "time to integration, time to first payment" across APIs, SDKs, CMS and PSP integrations; Senior Software Engineer - E-commerce (PHP) (posted August 28, 2026) maintains plugins for "Sylius, Magento, PrestaShop, WooCommerce, Shopify, and SFCC" serving "25,000+ merchants".Source
    • HiringLifecycle Marketing Manager (Paris, posted October 21, 2026): owns the B2B lifecycle "from lead to active merchant": lead nurturing, onboarding, "activating signed merchants who haven't taken a first payment", retention and win-back, with segments on industry, size, country, TPV and product usage; a campaign calendar including "credit upsell"; POS materials for in-store merchants; "Alma is opening up to B2C, with new consumer products on the way"; leads "the migration off HubSpot" ("Braze is the front-runner"); reports "on activations, reactivations and influenced TPV rather than open rates".Source
    • Your websitePricing: Standard offer "Up to €1M of turnover", "No set-up fees or monthly fees"; payment in 2 instalments 3.60% HT, pay later at 15 days 4.20% HT, with optional fee-sharing; "Financing - Join the waiting list", "payment in 5 to 12 times is only available after having payment in 2, 3, 4 times"; a customized offer above €1M.Source
  • 10

    Each account performance manager covers about 200 strategic merchants, and SMB and mid-market accounts are around 40% of Alma's margin. The role asks for spotting churn signs early.

    High impactMedium effort First result in 1 quarter Senior Account Performance Ma…

    First action

    Build the score in Looker for one portfolio.

    How to measure it

    Margin lost to churn

    Now
    –
    Target
    -15%
    By
    3 quarters

    Steps

    1. 1

      Define signals

      Four signals.

      Senior Account Performance Manager 1 week

    2. 2

      Build score

      Looker.

      Business Analyst 2 weeks

    3. 3

      Weekly flags

      To each manager.

      Business Analyst weekly

    4. 4

      Call playbook

      Insight per signal.

      Senior Account Performance Manager 1 week

    5. 5

      Run

      All portfolios.

      Senior Account Performance Manager ongoing

    6. 6

      Review

      Score accuracy.

      Senior Account Performance Manager quarterly

    First result
    1 quarter
    Cost
    Analyst time
    Owner
    Senior Account Performance Manager

    Smallest test

    Score one portfolio by hand this week.

    Why it works

    Score every merchant weekly on TPV trend, share of checkout (Alma versus other options where known), approval rate and support tickets. Flag drops for a call with a ready insight (for example, instalment messaging missing from product pages).

    Catching a drop early is cheaper than winning a merchant back, and a data-led call is welcome rather than a sales push.

    Risks and how to handle them

    • False alarms

      Tune thresholds after a month.

    Evidence

    • HiringSenior Account Performance Manager (Paris, posted October 22, 2026): each manager has "approximately 200 strategic merchants" turning over €1M-3M with Alma; "SMB and Mid-Market accounts represent around 40% of Alma's margin"; levers include upselling, "Optimizing pricing and payment plans", "Expanding into new countries" and spotting "early warning signs" of churn.Source
    • HiringLifecycle Marketing Manager (Paris, posted October 21, 2026): owns the B2B lifecycle "from lead to active merchant": lead nurturing, onboarding, "activating signed merchants who haven't taken a first payment", retention and win-back, with segments on industry, size, country, TPV and product usage; a campaign calendar including "credit upsell"; POS materials for in-store merchants; "Alma is opening up to B2C, with new consumer products on the way"; leads "the migration off HubSpot" ("Braze is the front-runner"); reports "on activations, reactivations and influenced TPV rather than open rates".Source
  • 11

    The pricing page offers "Financing - Join the waiting list" and says 5-12 instalments are "only available after having payment in 2, 3, 4 times". The lifecycle brief includes a "credit upsell" in its campaign calendar.

    High impactMedium effort First result in 1 quarter Lifecycle Marketing Manager

    First action

    Export the waiting list and merchants with the highest average basket.

    How to measure it

    Long-instalment activations

    Now
    –
    Target
    +30%
    By
    2 quarters

    Steps

    1. 1

      Export

      Waiting list and high baskets.

      Lifecycle Marketing Manager 1 day

    2. 2

      Check eligibility

      With Risk.

      Risk team 1 week

    3. 3

      Write journey

      Eligibility and uplift.

      Lifecycle Marketing Manager 1 week

    4. 4

      Route to AMs

      Qualified merchants.

      Revenue Systems Lead 1 week

    5. 5

      Send

      In waves.

      Lifecycle Marketing Manager weekly

    6. 6

      Measure

      Activations and TPV.

      Lifecycle Marketing Manager monthly

    First result
    1 quarter
    Cost
    $0
    Owner
    Lifecycle Marketing Manager

    Smallest test

    Email the waiting list with eligibility steps.

    Why it works

    Treat every waiting-list sign-up and every merchant with a high average basket as an upsell lead: explain eligibility, show the expected uplift on large baskets, and route qualified merchants to their account manager. Track activation of longer instalments.

    Merchants with big baskets gain the most from long instalments, and the waiting list is a list of merchants who already asked.

    Risks and how to handle them

    • Credit regulation

      Have Legal approve every message.

    Evidence

    • Your websitePricing: Standard offer "Up to €1M of turnover", "No set-up fees or monthly fees"; payment in 2 instalments 3.60% HT, pay later at 15 days 4.20% HT, with optional fee-sharing; "Financing - Join the waiting list", "payment in 5 to 12 times is only available after having payment in 2, 3, 4 times"; a customized offer above €1M.Source
    • HiringLifecycle Marketing Manager (Paris, posted October 21, 2026): owns the B2B lifecycle "from lead to active merchant": lead nurturing, onboarding, "activating signed merchants who haven't taken a first payment", retention and win-back, with segments on industry, size, country, TPV and product usage; a campaign calendar including "credit upsell"; POS materials for in-store merchants; "Alma is opening up to B2C, with new consumer products on the way"; leads "the migration off HubSpot" ("Braze is the front-runner"); reports "on activations, reactivations and influenced TPV rather than open rates".Source
    • HiringSenior Account Performance Manager (Paris, posted October 22, 2026): each manager has "approximately 200 strategic merchants" turning over €1M-3M with Alma; "SMB and Mid-Market accounts represent around 40% of Alma's margin"; levers include upselling, "Optimizing pricing and payment plans", "Expanding into new countries" and spotting "early warning signs" of churn.Source
  • 12

    The sitemap lists merchant terms for Alma with HiPay and with Mollie in France and Belgium, and Spain has a Mollie integration page. The new partnerships manager is asked to run co-marketing and co-selling programs.

    High impactMedium effort First result in 2 quarters Senior Strategic Partnerships…

    First action

    Ask one partner which merchants asked about instalments last quarter.

    How to measure it

    Merchants signed via partners

    Now
    –
    Target
    +40%
    By
    2 quarters

    Steps

    1. 1

      Pick partners

      Highest overlap.

      Senior Strategic Partnerships Manager 1 week

    2. 2

      Build kits

      Pitch, webinar, case study.

      Product Marketing Manager 1 month

    3. 3

      Train partner teams

      Sales sessions.

      Senior Strategic Partnerships Manager 1 month

    4. 4

      Activation path

      In partner dashboards.

      Senior Product Manager - Integrations 1 quarter

    5. 5

      Joint targets

      Monthly review.

      Senior Strategic Partnerships Manager monthly

    6. 6

      Expand

      New markets.

      Senior Strategic Partnerships Manager quarterly

    First result
    2 quarters
    Cost
    Staff time and webinar costs
    Owner
    Senior Strategic Partnerships Manager

    Smallest test

    Run one joint webinar with a PSP.

    Why it works

    Build a kit per partner: a one-page pitch in each language, a merchant webinar, a joint case study and an activation path inside the partner's dashboard. Set joint targets and review them monthly.

    PSPs talk to thousands of merchants every day, and a ready kit turns a technical integration into a sales channel.

    Risks and how to handle them

    • Partners push competitors

      Make Alma the easiest to sell.

    Evidence

    • Your websiteCase studies page: Maisons du Monde (Alma in 214 shops and online; 95% acceptance, 20% higher conversion, three times the basket in store), KitchenAid (5 European countries, +92% average order value), MYCS (€7.2 million processed in France and Germany). The sitemap also lists merchant terms with HiPay and with Mollie in France and Belgium, and a page for the e-Show Barcelona trade fair.Source
    • Your websiteSpain has what Portugal lacks: a pricing page (/es-ES/tarifas), integration pages for Shopify, WooCommerce, PrestaShop, Magento and Mollie, a 6, 10 or 12 instalment product page, international and branches-and-franchises pages, a press page and merchant stories (Prensa Stove "+20%" average ticket, Newcop "triplica sus ventas", Bloome "+30%" conversion, Wabi Home, Impress, Kuestiona).Source
    • HiringSenior Strategic Partnerships Manager (posted October 8, 2026): "partner-led and partner-assisted GTM plans, including co-marketing and co-selling programs"; Revenue Enablement & Market Intelligence Manager (open, updated September 24, 2026): "personalized case study narratives", "competitor comparisons, head-to-head comparisons", per-market buyer priorities, and AI agents for "content freshness auditing".Source
  • 13

    The Iberia AEs are asked to represent Alma at trade shows, and the Spanish site already has an e-Show Barcelona page. Show contacts are often lost without a fast follow-up.

    Medium impactLow effort First result in 1 quarter Account Executive Large Accou…

    First action

    List next year's Iberian shows.

    How to measure it

    Meetings booked per show

    Now
    –
    Target
    20
    By
    2 quarters

    Steps

    1. 1

      List shows

      Spain and Portugal.

      Account Executive Large Accounts - Spain 1 week

    2. 2

      Template page

      Booking and offer.

      Experimentation & Tracking Engineer 1 week

    3. 3

      Badge scan to CRM

      Same day.

      Revenue Systems Lead 1 week

    4. 4

      48-hour follow-up

      With a case study.

      Lifecycle Marketing Manager per show

    5. 5

      Report

      Meetings and pipeline.

      Account Executive Large Accounts - Spain per show

    6. 6

      Repeat

      Every show.

      Account Executive - Portuguese market ongoing

    First result
    1 quarter
    Cost
    Show costs
    Owner
    Account Executive Large Accounts Spain

    Smallest test

    Build the page for the next show.

    Why it works

    For each show, publish a page with a meeting booking, a show-only offer and local merchant stories; scan badges into the CRM the same day and send a follow-up in 48 hours with the relevant case study.

    Trade-show leads cool quickly; a page and a 48-hour follow-up turn conversations into meetings.

    Risks and how to handle them

    • Low show quality

      Drop shows with poor pipeline.

    Evidence

    • HiringAccount Executive Large Accounts - Spain and Account Executive - Portuguese market (Madrid, both posted October 23, 2026): the Iberia team is "already 5 people and aim to be around 10 by the end of 2027", with "a brand-new hub directly in Madrid"; it "will soon be managing €100M in volume, built in just one year". Merchants "signed in the last 12 months" include PcComponentes, Atrapamuebles, Maisons du Monde, Emma and Web Moveis. The Portuguese AE must be a native speaker, sell to merchants of €10M-250M turnover, "Contribute to the growth of Alma's presence and network in the Portuguese market" and represent Alma at trade shows.Source
    • Your websiteCase studies page: Maisons du Monde (Alma in 214 shops and online; 95% acceptance, 20% higher conversion, three times the basket in store), KitchenAid (5 European countries, +92% average order value), MYCS (€7.2 million processed in France and Germany). The sitemap also lists merchant terms with HiPay and with Mollie in France and Belgium, and a page for the e-Show Barcelona trade fair.Source
    • Your websiteSpain has what Portugal lacks: a pricing page (/es-ES/tarifas), integration pages for Shopify, WooCommerce, PrestaShop, Magento and Mollie, a 6, 10 or 12 instalment product page, international and branches-and-franchises pages, a press page and merchant stories (Prensa Stove "+20%" average ticket, Newcop "triplica sus ventas", Bloome "+30%" conversion, Wabi Home, Impress, Kuestiona).Source
  • 14

    The enablement role builds "competitor comparisons, head-to-head comparisons". The Spanish blog already has a post on what sets Alma apart, and Scalapay markets "three interest-free instalments" in Spain and Portugal. Merchants compare BNPL providers before a demo.

    High impactMedium effort First result in 1 quarter Revenue Enablement & Market I…

    First action

    Pick the two rivals sales meets most in each market.

    How to measure it

    Comparison-page demo requests

    Now
    –
    Target
    40 a month
    By
    2 quarters

    Steps

    1. 1

      Pick rivals

      Per market.

      Revenue Enablement & Market Intelligence Manager 1 week

    2. 2

      Check facts

      Current terms.

      Revenue Enablement & Market Intelligence Manager 2 weeks

    3. 3

      Write pages

      Fair tables.

      Product Marketing Manager 2 weeks

    4. 4

      Legal review

      Claims and trademarks.

      Head of Legal - Financial Services 2 weeks

    5. 5

      Publish

      Each locale.

      Experimentation & Tracking Engineer 1 week

    6. 6

      Refresh

      Quarterly.

      Revenue Enablement & Market Intelligence Manager quarterly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Revenue Enablement & Market Intelligence Manager

    Smallest test

    Publish the Spanish comparison first.

    Why it works

    Turn the internal comparisons into fair public pages per market: fees, who carries the risk, payouts, plugins, in-store options, late fees and data use. Have Legal review them, date them and refresh quarterly.

    Comparison searches are high intent, and Alma's merchant-first terms (no late fees, customers stay yours) are easy to show side by side.

    Risks and how to handle them

    • Out-of-date claims

      Date and source each line.

    Evidence

    • HiringSenior Strategic Partnerships Manager (posted October 8, 2026): "partner-led and partner-assisted GTM plans, including co-marketing and co-selling programs"; Revenue Enablement & Market Intelligence Manager (open, updated September 24, 2026): "personalized case study narratives", "competitor comparisons, head-to-head comparisons", per-market buyer priorities, and AI agents for "content freshness auditing".Source
    • Competitor researchScalapay's homepage: "pay in three convenient, interest-free instalments", a consumer store directory by category, a country picker that includes España and Portugal, and "Trusted by over 1.500 merchants". Klarna, PayPal's pay-in-instalments and Oney also sell instalments to European merchants.Source
    • Your websiteSpain has what Portugal lacks: a pricing page (/es-ES/tarifas), integration pages for Shopify, WooCommerce, PrestaShop, Magento and Mollie, a 6, 10 or 12 instalment product page, international and branches-and-franchises pages, a press page and merchant stories (Prensa Stove "+20%" average ticket, Newcop "triplica sus ventas", Bloome "+30%" conversion, Wabi Home, Impress, Kuestiona).Source
    • Your websiteEnglish homepage: "Trusted by 26,000 merchants across all retail sectors in Europe"; "+15% up to more conversions", "+80% average order value uplift", "90% approval rate" (June 2025); lists 8 countries. The meta description promises "boost your turnover by 20%", the case studies page says "more than 25 000 brands", and job posts say 10 countries. The page language is set to "en-FR".Source
  • 15

    Of the Iberian merchants Alma names as signed in the last year, most sell furniture, home or mattresses (Atrapamuebles, Maisons du Monde, Emma, Web Moveis), and Spain's stories include Wabi Home. Large baskets are where instalments matter most.

    High impactMedium effort First result in 1 quarter Account Executive Large Accou…

    First action

    List Iberia's top 100 home and furniture retailers.

    How to measure it

    Home-sector deals

    Now
    –
    Target
    +10
    By
    2 quarters

    Steps

    1. 1

      Build list

      Top 100 retailers.

      Account Executive Large Accounts - Spain 2 weeks

    2. 2

      Collect proof

      Sector stories.

      Revenue Enablement & Market Intelligence Manager 2 weeks

    3. 3

      Write page

      Spanish and Portuguese.

      Product Marketing Manager 2 weeks

    4. 4

      Calculator

      Basket-size uplift.

      Experimentation & Tracking Engineer 2 weeks

    5. 5

      Outreach

      With sector proof.

      Account Executive Large Accounts - Spain weekly

    6. 6

      Measure

      Pipeline by sector.

      Account Executive Large Accounts - Spain monthly

    First result
    1 quarter
    Cost
    Staff time only
    Owner
    Account Executive Large Accounts Spain

    Smallest test

    Send the sector proof to 20 retailers.

    Why it works

    Build a Spanish and Portuguese "home and furniture" page with the sector's stories and numbers, a basket-size calculator, in-store options for showrooms, and a list of the top 100 home retailers in Iberia for the AEs.

    A vertical story built on recent wins is easier to sell to the next retailer in the same sector.

    Risks and how to handle them

    • Over-reliance on one sector

      Repeat the method for the next sector.

    Evidence

    • HiringAccount Executive Large Accounts - Spain and Account Executive - Portuguese market (Madrid, both posted October 23, 2026): the Iberia team is "already 5 people and aim to be around 10 by the end of 2027", with "a brand-new hub directly in Madrid"; it "will soon be managing €100M in volume, built in just one year". Merchants "signed in the last 12 months" include PcComponentes, Atrapamuebles, Maisons du Monde, Emma and Web Moveis. The Portuguese AE must be a native speaker, sell to merchants of €10M-250M turnover, "Contribute to the growth of Alma's presence and network in the Portuguese market" and represent Alma at trade shows.Source
    • Your websiteSpain has what Portugal lacks: a pricing page (/es-ES/tarifas), integration pages for Shopify, WooCommerce, PrestaShop, Magento and Mollie, a 6, 10 or 12 instalment product page, international and branches-and-franchises pages, a press page and merchant stories (Prensa Stove "+20%" average ticket, Newcop "triplica sus ventas", Bloome "+30%" conversion, Wabi Home, Impress, Kuestiona).Source
    • Your websiteCase studies page: Maisons du Monde (Alma in 214 shops and online; 95% acceptance, 20% higher conversion, three times the basket in store), KitchenAid (5 European countries, +92% average order value), MYCS (€7.2 million processed in France and Germany). The sitemap also lists merchant terms with HiPay and with Mollie in France and Belgium, and a page for the e-Show Barcelona trade fair.Source
  • 16

    The lifecycle role adds "POS materials for in-store merchants", and Maisons du Monde runs Alma in 214 shops. In-store activation depends on staff remembering to offer instalments.

    Medium impactMedium effort First result in 1 quarter Lifecycle Marketing Manager

    First action

    Design counter signs and the staff video script.

    How to measure it

    Stores with ten payments in 30 days

    Now
    –
    Target
    50%
    By
    2 quarters

    Steps

    1. 1

      Design kit

      Signs and QR.

      Brand team 2 weeks

    2. 2

      Training video

      5 minutes.

      Lifecycle Marketing Manager 2 weeks

    3. 3

      Send

      New in-store merchants.

      Lifecycle Marketing Manager ongoing

    4. 4

      Check-in call

      Day 14.

      Customer Care team ongoing

    5. 5

      Track

      Payments by store.

      Lifecycle Marketing Manager weekly

    6. 6

      Improve

      From store feedback.

      Lifecycle Marketing Manager monthly

    First result
    1 quarter
    Cost
    Print and shipping
    Owner
    Lifecycle Marketing Manager

    Smallest test

    Send kits to the next 20 in-store merchants.

    Why it works

    Send every new in-store merchant a kit: counter signs, a 5-minute staff training video, a QR to the payment link and a first-ten-payments challenge with a check-in call. Track first payments by store.

    Staff prompting decides in-store usage, and a kit makes it easy from day one.

    Risks and how to handle them

    • Kits ignored

      Pair with the check-in call.

    Evidence

    • HiringLifecycle Marketing Manager (Paris, posted October 21, 2026): owns the B2B lifecycle "from lead to active merchant": lead nurturing, onboarding, "activating signed merchants who haven't taken a first payment", retention and win-back, with segments on industry, size, country, TPV and product usage; a campaign calendar including "credit upsell"; POS materials for in-store merchants; "Alma is opening up to B2C, with new consumer products on the way"; leads "the migration off HubSpot" ("Braze is the front-runner"); reports "on activations, reactivations and influenced TPV rather than open rates".Source
    • Your websiteCase studies page: Maisons du Monde (Alma in 214 shops and online; 95% acceptance, 20% higher conversion, three times the basket in store), KitchenAid (5 European countries, +92% average order value), MYCS (€7.2 million processed in France and Germany). The sitemap also lists merchant terms with HiPay and with Mollie in France and Belgium, and a page for the e-Show Barcelona trade fair.Source
    • HiringEngineering Manager - Mobile App (posted October 1, 2026): the Alma Wallet roadmap covers "the Alma card", Apple Pay, Google Pay, "local payment methods", "the consumer point-of-sale experience", identity verification and Open Banking. Customer Care Officer - Netherlands (posted October 14, 2026) is "part of our international expansion" to support "our growth in the Dutch market", in Dutch, French and English.Source

Big bets 3

Larger plays that can change the trajectory.

  • 17

    Alma is "opening up to B2C" and building the Alma Wallet with a card, Apple Pay and Google Pay. Scalapay already shows consumers a store directory by category. Alma has 10 million consumers and 25,000+ merchants but no way for one to find the other.

    High impactHigh effort First result in 4 quarters Engineering Manager Mobile App

    First action

    Test a directory with 100 merchants in one category.

    How to measure it

    Directory-driven orders

    Now
    –
    Target
    50,000 a quarter
    By
    4 quarters

    Steps

    1. 1

      Pick category

      High basket, many merchants.

      Consumer Product Manager 2 weeks

    2. 2

      Recruit merchants

      100 for the pilot.

      Senior Account Performance Manager 1 month

    3. 3

      Build directory

      In the app.

      Engineering Manager - Mobile App 1 quarter

    4. 4

      Consumer lifecycle

      Offers and reminders.

      Lifecycle Marketing Manager 1 quarter

    5. 5

      Merchant reporting

      Traffic and sales.

      Senior Product Manager - Integrations 1 quarter

    6. 6

      Scale

      More categories.

      Engineering Manager - Mobile App 2 quarters

    First result
    4 quarters
    Cost
    Product team
    Owner
    Engineering Manager Mobile App

    Smallest test

    Email consumers a curated list of 20 merchants and measure clicks.

    Why it works

    Add a merchant directory and offers to the app, ranked by category and location, with merchant-funded promotions. Report the traffic and sales sent to each merchant in their dashboard.

    Traffic is the strongest reason for a merchant to choose and keep a BNPL provider, and it gives consumers a reason to open the app.

    Risks and how to handle them

    • Merchants fear losing customers

      Keep "your customers stay your customers": link to merchant sites.

    Evidence

    • HiringLifecycle Marketing Manager (Paris, posted October 21, 2026): owns the B2B lifecycle "from lead to active merchant": lead nurturing, onboarding, "activating signed merchants who haven't taken a first payment", retention and win-back, with segments on industry, size, country, TPV and product usage; a campaign calendar including "credit upsell"; POS materials for in-store merchants; "Alma is opening up to B2C, with new consumer products on the way"; leads "the migration off HubSpot" ("Braze is the front-runner"); reports "on activations, reactivations and influenced TPV rather than open rates".Source
    • HiringEngineering Manager - Mobile App (posted October 1, 2026): the Alma Wallet roadmap covers "the Alma card", Apple Pay, Google Pay, "local payment methods", "the consumer point-of-sale experience", identity verification and Open Banking. Customer Care Officer - Netherlands (posted October 14, 2026) is "part of our international expansion" to support "our growth in the Dutch market", in Dutch, French and English.Source
    • Competitor researchScalapay's homepage: "pay in three convenient, interest-free instalments", a consumer store directory by category, a country picker that includes España and Portugal, and "Trusted by over 1.500 merchants". Klarna, PayPal's pay-in-instalments and Oney also sell instalments to European merchants.Source
    • HiringAlma in its job posts: "the buy now pay later leader in France and active in 10 European countries", "more than 25,000 merchants and 10 million consumers", "400+ Almakers and €160M+ ARR", a member of the Next40; merchants "boost sales by 20% or more"; "4.8/5 on Trustpilot".Source
  • 18

    Alma operates in up to 10 countries with 10 million consumers and publishes average uplift figures by date. No European BNPL provider owns a credible, merchant-focused annual benchmark.

    High impactHigh effort First result in 3 quarters Revenue Enablement & Market I…

    First action

    Pick ten questions the data answers by country.

    How to measure it

    Downloads

    Now
    –
    Target
    5,000
    By
    1 year

    Steps

    1. 1

      Pick questions

      By country and sector.

      Revenue Enablement & Market Intelligence Manager 2 weeks

    2. 2

      Pull data

      Aggregated.

      Analytics Engineer 2 months

    3. 3

      Legal review

      Privacy and claims.

      Head of Legal - Financial Services 1 month

    4. 4

      Write

      Report and local versions.

      Product Marketing Manager 1 month

    5. 5

      Launch

      Press and webinars per market.

      Product Marketing Manager 1 month

    6. 6

      Use in sales

      Country slides.

      Revenue Enablement & Market Intelligence Manager ongoing

    First result
    3 quarters
    Cost
    Analyst and writing time
    Owner
    Revenue Enablement & Market Intelligence Manager

    Smallest test

    Publish one chart by country.

    Why it works

    Publish a yearly report by country and sector: share of baskets paid in instalments, average basket, approval and repeat rates, in-store versus online, seasonal peaks. Launch it per market with local press, webinars and AE outreach.

    Original data earns press and links in every market and gives AEs a reason to call any retailer.

    Risks and how to handle them

    • Data sensitivity

      Aggregate and suppress small groups.

    Evidence

    • HiringAlma in its job posts: "the buy now pay later leader in France and active in 10 European countries", "more than 25,000 merchants and 10 million consumers", "400+ Almakers and €160M+ ARR", a member of the Next40; merchants "boost sales by 20% or more"; "4.8/5 on Trustpilot".Source
    • Your websiteEnglish homepage: "Trusted by 26,000 merchants across all retail sectors in Europe"; "+15% up to more conversions", "+80% average order value uplift", "90% approval rate" (June 2025); lists 8 countries. The meta description promises "boost your turnover by 20%", the case studies page says "more than 25 000 brands", and job posts say 10 countries. The page language is set to "en-FR".Source
    • Your websitePortuguese homepage (/pt-PT, October 23, 2026): still the earlier template, with the "+20%" sales claim and testimonials from The Kooples, KitchenAid, Jane de Boy and Panda Tea, none of them Portuguese merchants. The Spanish homepage has the redesigned layout (June 2025 averages: +15% conversions, +80% average basket, 33% repeat rate) and Spanish merchants (Impress, Wabi Home, Newcop).Source
  • 19

    Alma tests instalment messaging on merchant sites and knows what lifts conversion. A prospect can be shown, on their own pages, where instalment options are missing or hidden.

    High impactHigh effort First result in 3 quarters Experimentation & Tracking En…

    First action

    Run the check by hand on 20 target retailers.

    How to measure it

    Checks leading to a demo

    Now
    –
    Target
    15%
    By
    3 quarters

    Steps

    1. 1

      Define checks

      Ten rules.

      Experimentation & Tracking Engineer 1 month

    2. 2

      Build tool

      Read-only page scan.

      Experimentation & Tracking Engineer 1 quarter

    3. 3

      Score and fixes

      Plain-language report.

      Product Marketing Manager 1 month

    4. 4

      Publish

      Each locale.

      Experimentation & Tracking Engineer 1 month

    5. 5

      Use in outbound

      Per market.

      Account Executive Large Accounts - Spain ongoing

    6. 6

      Measure

      Checks to demos.

      Experimentation & Tracking Engineer monthly

    First result
    3 quarters
    Cost
    Engineering time
    Owner
    Experimentation & Tracking Engineer

    Smallest test

    Send ten hand-made reports to Iberian prospects.

    Why it works

    Build a tool that checks a retailer's product, basket and checkout pages for instalment messaging, price thresholds and plugin compatibility, then gives a score and three fixes. Offer it on the site and use it in outbound by each market's AEs.

    A personal diagnosis opens doors with large retailers, and the results double as an outbound list.

    Risks and how to handle them

    • Retailers block scans

      Fall back to a manual review.

    Evidence

    • HiringExperimentation & Tracking Engineer (Paris, posted October 21, 2026): runs A/B tests "on merchant websites" in Kameleoon, "with a target of 8 merchant tests going live over the year"; owns the tracking plan "across 8 markets"; builds "landing pages, product pages, market pages, and local content following the website redesign"; runs "a CRO programme on Alma's own funnels, starting with the demo request", while maintaining Core Web Vitals, technical SEO and hreflang.Source
    • HiringSenior Product Manager - Integrations (posted August 26, 2026) measures "time to integration, time to first payment" across APIs, SDKs, CMS and PSP integrations; Senior Software Engineer - E-commerce (PHP) (posted August 28, 2026) maintains plugins for "Sylius, Magento, PrestaShop, WooCommerce, Shopify, and SFCC" serving "25,000+ merchants".Source
    • HiringAccount Executive Large Accounts - Spain and Account Executive - Portuguese market (Madrid, both posted October 23, 2026): the Iberia team is "already 5 people and aim to be around 10 by the end of 2027", with "a brand-new hub directly in Madrid"; it "will soon be managing €100M in volume, built in just one year". Merchants "signed in the last 12 months" include PcComponentes, Atrapamuebles, Maisons du Monde, Emma and Web Moveis. The Portuguese AE must be a native speaker, sell to merchants of €10M-250M turnover, "Contribute to the growth of Alma's presence and network in the Portuguese market" and represent Alma at trade shows.Source

Wildcards 3

Unexpected experiments, each with a cheap way to test it.

  • 20

    Alma reports 4.8/5 on Trustpilot. Merchants in Spain, Portugal and the Netherlands want to know their own shoppers trust the payment option, and reviews in their language show it.

    Medium impactLow effort First result in 1 quarter Customer Care Officer Netherl…

    First action

    Turn on review invites after the last instalment in one market.

    How to measure it

    Reviews per new market

    Now
    –
    Target
    500
    By
    2 quarters

    Steps

    1. 1

      Set invites

      After final instalment.

      Lifecycle Marketing Manager 2 weeks

    2. 2

      Pick markets

      ES, PT, NL.

      Customer Care Officer - Netherlands 1 day

    3. 3

      Show reviews

      Market homepages.

      Experimentation & Tracking Engineer 2 weeks

    4. 4

      Add to decks

      Per market.

      Revenue Enablement & Market Intelligence Manager 1 week

    5. 5

      Reply

      To every review.

      Customer Care Officer - Netherlands ongoing

    6. 6

      Track

      Rating by market.

      Customer Care Officer - Netherlands monthly

    First result
    1 quarter
    Cost
    $0
    Owner
    Customer Care Officer Netherlands

    Smallest test

    Start invites in Spain.

    Why it works

    Invite shoppers in each market to review after their final instalment, show local-language reviews on each market's homepage, and add them to AE decks.

    Shopper trust is a merchant concern, and local reviews answer it without a sales claim.

    Risks and how to handle them

    • Negative reviews

      Reply fast and fix causes.

    Evidence

    • HiringAlma in its job posts: "the buy now pay later leader in France and active in 10 European countries", "more than 25,000 merchants and 10 million consumers", "400+ Almakers and €160M+ ARR", a member of the Next40; merchants "boost sales by 20% or more"; "4.8/5 on Trustpilot".Source
    • HiringEngineering Manager - Mobile App (posted October 1, 2026): the Alma Wallet roadmap covers "the Alma card", Apple Pay, Google Pay, "local payment methods", "the consumer point-of-sale experience", identity verification and Open Banking. Customer Care Officer - Netherlands (posted October 14, 2026) is "part of our international expansion" to support "our growth in the Dutch market", in Dutch, French and English.Source
    • Your websitePortuguese homepage (/pt-PT, October 23, 2026): still the earlier template, with the "+20%" sales claim and testimonials from The Kooples, KitchenAid, Jane de Boy and Panda Tea, none of them Portuguese merchants. The Spanish homepage has the redesigned layout (June 2025 averages: +15% conversions, +80% average basket, 33% repeat rate) and Spanish merchants (Impress, Wabi Home, Newcop).Source
  • 21

    Account performance managers are asked to expand merchants "into new countries", and KitchenAid and MYCS already run Alma in several markets. Many French merchants ship to Belgium, Spain or Italy.

    High impactLow effort First result in 1 quarter Senior Account Performance Ma…

    First action

    List merchants with foreign orders.

    How to measure it

    Multi-market merchants

    Now
    –
    Target
    +25%
    By
    2 quarters

    Steps

    1. 1

      Find merchants

      Foreign order share.

      Business Analyst 1 week

    2. 2

      Estimate uplift

      Per market.

      Business Analyst 1 week

    3. 3

      Pitch

      Account managers.

      Senior Account Performance Manager ongoing

    4. 4

      Switch on

      Same integration.

      Senior Product Manager - Integrations ongoing

    5. 5

      Local pages

      Payment info in language.

      Experimentation & Tracking Engineer 1 month

    6. 6

      Track

      TPV by market.

      Senior Account Performance Manager monthly

    First result
    1 quarter
    Cost
    $0
    Owner
    Senior Account Performance Manager

    Smallest test

    Pitch five merchants with Belgian orders.

    Why it works

    Find merchants with orders from other Alma countries, show them the potential uplift and that the same integration works, and switch on the new markets with local payment pages.

    Expanding an existing merchant is cheaper than signing a new one and grows TPV fast.

    Risks and how to handle them

    • Local regulation

      Check each market with Legal.

    Evidence

    • HiringSenior Account Performance Manager (Paris, posted October 22, 2026): each manager has "approximately 200 strategic merchants" turning over €1M-3M with Alma; "SMB and Mid-Market accounts represent around 40% of Alma's margin"; levers include upselling, "Optimizing pricing and payment plans", "Expanding into new countries" and spotting "early warning signs" of churn.Source
    • Your websiteCase studies page: Maisons du Monde (Alma in 214 shops and online; 95% acceptance, 20% higher conversion, three times the basket in store), KitchenAid (5 European countries, +92% average order value), MYCS (€7.2 million processed in France and Germany). The sitemap also lists merchant terms with HiPay and with Mollie in France and Belgium, and a page for the e-Show Barcelona trade fair.Source
    • Your websiteEnglish homepage: "Trusted by 26,000 merchants across all retail sectors in Europe"; "+15% up to more conversions", "+80% average order value uplift", "90% approval rate" (June 2025); lists 8 countries. The meta description promises "boost your turnover by 20%", the case studies page says "more than 25 000 brands", and job posts say 10 countries. The page language is set to "en-FR".Source
  • 22

    The English homepage declares its language as "en-FR", a region-specific code for a page that serves eight markets. Locale signals matter for the hreflang work across 8 markets that the experimentation engineer owns.

    Medium impactLow effort First result in 2 weeks Experimentation & Tracking En…

    First action

    Check language attributes on one page per locale.

    How to measure it

    hreflang errors in Search Console

    Now
    –
    Target
    0
    By
    1 month

    Steps

    1. 1

      Audit

      One page per locale.

      Experimentation & Tracking Engineer 1 day

    2. 2

      Fix attributes

      All templates.

      Experimentation & Tracking Engineer 1 day

    3. 3

      Check hreflang

      Search Console.

      Experimentation & Tracking Engineer 1 day

    4. 4

      Fix errors

      Missing pairs.

      Experimentation & Tracking Engineer 1 week

    5. 5

      Monitor

      Monthly.

      Experimentation & Tracking Engineer monthly

    6. 6

      Document

      For new locales.

      Experimentation & Tracking Engineer 1 day

    First result
    2 weeks
    Cost
    $0
    Owner
    Experimentation & Tracking Engineer

    Smallest test

    Fix the English template this week.

    Why it works

    Use "en" for the English pages (hreflang can keep x-default), make sure every locale page declares its language, and check the hreflang set in Search Console for errors.

    Clean language signals help search engines show the right market page, and it is a small fix.

    Risks and how to handle them

    • Changing hreflang codes

      Keep URLs; change only declared language.

    Evidence

    • Your websiteEnglish homepage: "Trusted by 26,000 merchants across all retail sectors in Europe"; "+15% up to more conversions", "+80% average order value uplift", "90% approval rate" (June 2025); lists 8 countries. The meta description promises "boost your turnover by 20%", the case studies page says "more than 25 000 brands", and job posts say 10 countries. The page language is set to "en-FR".Source
    • HiringExperimentation & Tracking Engineer (Paris, posted October 21, 2026): runs A/B tests "on merchant websites" in Kameleoon, "with a target of 8 merchant tests going live over the year"; owns the tracking plan "across 8 markets"; builds "landing pages, product pages, market pages, and local content following the website redesign"; runs "a CRO programme on Alma's own funnels, starting with the demo request", while maintaining Core Web Vitals, technical SEO and hreflang.Source
    • PageSpeedChrome UX Report for almapay.com: real visitors see largest paint at 1.54 s, interaction at 142 ms and layout shift 0.01, which passes Core Web Vitals and is 11% faster than before. Google's lab test scores mobile 59 (desktop 83), with about 2 s of unused JavaScript.Source

03

How Programmable can help

Where an idea in this playbook is something Programmable builds or runs, it's listed here with what we'd do. Everything else is yours to run.

Have it built

ProgrammableAgency

1 of the 22 ideas are things Programmable builds and runs for its customers: pages, outreach, prospect lists, booking flows and monitors. Pick one, or send the whole list.

Prospect lists1The list compiled from public sources, verified, deduplicated and delivered to your CRM.

A 30-minute session with the engineer who would build it, not a sales call. You leave with a plan whether or not you hire us.

Book a working session

Usually live within days.

Tools for the rest

ProgrammableTalk

Fill the events in this plan

These ideas are events. Talk gets registrants for them and tells you who's coming and what their company does before the day.

Plan an event (opens programmable.talk in a new tab)
More example playbooks and reviews

More growth playbooks

Other companies we have researched, each read from what they are hiring for.

  • Bolna AI growth strategyA voice AI platform for building, testing and running phone agents that answer inbound calls and run outbound campaigns in Indian…22 growth ideas
  • Future Standard growth strategyA global alternative asset manager (formerly FS Investments, combined with Portfolio Advisors) investing across private equity, credit…22 growth ideas
  • Voyager growth strategyA desktop agent harness for creative work from Nullframe, Inc. (the company behind Moda): an AI agent that drives creative apps such as…23 growth ideas
  • Welo Global growth strategyA multilingual content, data and AI group with five brands: Welocalize (enterprise localization and the Opal platform), Park IP (patent…22 growth ideas
  • Tide growth strategyA business finance platform for small businesses: business accounts, cards, payments, invoicing and accounting, company formation, lending…21 growth ideas
  • Crowd Cow growth strategyAn online store for craft meat and seafood from named farms and fisheries, and a cold-chain fulfilment business that ships frozen goods in…20 growth ideas
  • Breezeway growth strategyProperty operations and guest experience software for short-term rentals and hospitality: task scheduling, checklists and inspections…21 growth ideas
  • Flying Tiger Copenhagen growth strategyA Danish variety retailer of playful, low-priced design products (home, party, Christmas, crafts, toys, school and office, food) sold in…22 growth ideas

See every playbook and website review

Independent research. Programmable wrote this playbook from public sources, as they stood on October 26, 2026, and cites them throughout. Alma did not commission, review or endorse it, and Programmable is not affiliated with Alma. Company and product names are trademarks of their owners, used only to identify them. The ideas are suggestions and opinion, not professional, legal or financial advice, and not statements about how Alma runs its business.

Something wrong, or do you represent Alma? Email [email protected] and we will correct it or take it down.

30/60/90 roadmap

What to focus on in each month, and the ideas that carry it.

  1. Days 1 to 307 ideas

    Portugal parity, the activation sprint, demo routing, one set of numbers, Spanish case studies and Dutch help; fix the language code.

    Programmable can ship 1 of these in days.

  2. Days 31 to 6012 ideas

    Lifecycle rebuild, merchant test offer, plugin marketplaces, churn score, credit upsell, PSP kits, trade shows, comparisons, the home vertical and in-store kits; local reviews and cross-border expansion.

  3. Days 61 to 903 ideas

    Commit to the big bets: the shopper directory, the European report and the checkout check.

The research behind the plan

3 research areas, each summarised in a few lines. Open any of them for the full detail.

Customers

What customers say

Customers value paid upfront with no risk of non-payment. The most cited problem: abandoned baskets on large purchases.

  • Higher conversion and basket size
  • Fraud and unpaid bills
  • In their words: “pay at their own pace”

Market

Competitive landscape

4 competitors compared: Klarna, Scalapay, PayPal instalments and Oney.

  • Gap to exploit: Merchant-first BNPL with local teams in Iberia
  • Klarna: Less merchant-first in tone
  • Scalapay: Smaller merchant base

Hiring signals

Alma is turning a French lead into a European one.

  • Account Executive - Portuguese market: Grow Portugal from the Madrid hub. Idea 1.
  • Account Executive Large Accounts - Spain: Large accounts and trade shows in Spain. Ideas 5, 13, 15.
  • Lifecycle Marketing Manager: Activation, credit upsell, HubSpot migration, B2C. Ideas 2, 7, 11, 16, 17.

From the team that wrote this playbook

All products
  • ProgrammableAgencyWorking AI systems in days, not quarters (opens programmable.agency in a new tab)
  • ProgrammableInfoAn agent that finds, researches and asks first (opens programmable.info in a new tab)
  • ProgrammableDigitalScreenshots in, an animated product demo out (opens programmable.digital in a new tab)
  • ProgrammableWatchKnow the day a supplier falls out of compliance (opens programmable.watch in a new tab)
  • ProgrammableTalkGet registrants for your events, and know who’s coming (opens programmable.talk in a new tab)
  • ProgrammablePageText what you need, your customer gets a page that works (opens programmable.page in a new tab)
  • ProgrammableCommunityForums with labelled AI members, never empty (opens programmable.community in a new tab)
ProgrammableMarketing
ExamplesLeaderboardsProductsTermsPrivacyCookiesDPALegalContact

© 2026 AI-Powered Growth Intelligence