Scalapay
Scalapay lets customers pay for purchases from participating online and physical stores in instalments while the merchant receives the full amount immediately.
What Scalapay is
Scalapay lets customers pay for purchases from participating online and physical stores in instalments while the merchant receives the full amount immediately. Pay in 3 divides payment into three monthly instalments without interest for the customer, with the first payment at purchase and later payments after one and two months. Pay in 4 uses four instalments, with payments at purchase and after one, two, and three months; a customer fee may apply depending on the offer. Both options are listed as free. Customers can also split a payment into three or four instalments using Pay by Link. For online purchases, customers can choose Scalapay and pay with Visa, Mastercard, or Amex; its iOS and Android app can generate a barcode for in-store checkout. Merchants pay a commission per order, with personalized fees provided after registration. Scalapay lists ready-made plugins for a range of store platforms and provides integration guides and API documentation. It says it assumes the risk of unpaid instalments and supports merchants from onboarding through post-launch. Founded in 2019, it is headquartered in Milan, Italy.
Good
- Merchants receive the full amount immediately.
- Pay in 3 has no customer interest.
- Pay by Link supports three or four instalments.
- Offers ready-made plugins for listed store platforms.
- Provides merchant support from onboarding through post-launch.
Watch out
- Pay in 4 may carry a customer fee.
- Merchants pay a commission on each order.
- Personalized merchant fees are disclosed after registration.
Who it suits
It may suit shoppers buying from participating stores who want to pay in instalments, and merchants seeking online or in-store payment options. Merchant fees are personalized and disclosed after registration.
Verdict
Scalapay offers instalment payments for online and physical stores, with payment links and merchant integrations. Customers should check any Pay in 4 fee before confirmation, while merchants should request their personalized commission details.
Plans and prices
From Scalapay's own pricing page, checked 20 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Merchant acceptance | Priced on request | Scalapay assumes fraud and non-payment risk · Commission charged on each customer order |
| Merchant offering | Priced on request | Commission charged per order; merchant pays agreed contractual fees; fees disclosed after registration |
| Pay in 3 | — | Small late fees may apply · available after approval · Three monthly instalments; first charged at purchase; no interest when paid on time |
| Pay in 4 | — | Fourth instalment cannot be postponed · approval required · Four monthly instalments; first charged at purchase; small service fee may apply |
The facts
Each one read from Scalapay's own pages, with the date it was checked.
What it does
- API and developer docs
- The developer portal provides integration guides and API documentation for merchants.checked 7 Oct 2026
- API authentication
- API requests use a secret Bearer token and return 401 when authentication fails.checked 20 Oct 2026
- API environments
- Scalapay provides separate production and sandbox API endpoints, with fake cards available for sandbox testing.checked 20 Oct 2026
- API flow
- The documented standard flow requires create-order, get-order-details and capture-order calls.checked 20 Oct 2026
- API simulator
- The developer portal includes an API simulator for submitting requests and viewing responses.checked 20 Oct 2026
- API transport security
- The API documentation says communications use TLS 1.2 or later.checked 20 Oct 2026
- Barcode payments
- The mobile app can generate a barcode for in-store instalment purchases.checked 20 Oct 2026
- Current scale claim
- The July 2026 Stripe announcement says Scalapay supports more than 13 million users and over 12,000 brand partners.checked 20 Oct 2026
- Custom integration
- Merchants can build a custom website integration when their platform is not listed.checked 20 Oct 2026
- Documentation depth
- The developer portal contains integration guides, API reference material, plugin instructions, testing guidance and go-live steps.checked 20 Oct 2026
- Funding
- Crunchbase lists eight funding rounds, 14 investors including the European Investment Bank and BNP Paribas, and a 251–500 employee range.checked 20 Oct 2026
- Google Play availability
- The Android app listing reports more than 1 million downloads and includes account, payment-management, store-directory and repayment-notification features.checked 20 Oct 2026
- Google Play data practices
- Google Play says the app may collect and share location and personal-data categories, encrypts data in transit and supports deletion requests.checked 20 Oct 2026
- Identity verification
- Scalapay says identity checks support fraud prevention, anti-money-laundering compliance and regulated-payment obligations.checked 20 Oct 2026
- Integrations
- Official plugins are listed for BigCommerce, Magento, OpenCart, PrestaShop, Salesforce, Shopify, Shopware, VTEX, WooCommerce and other platforms.checked 20 Oct 2026
- Late-fee limit
- The help centre lists fees of up to €1.20 after 24 hours late and another €1.20 after nine days, capped at €12 per instalment and 10% of financed amount.checked 20 Oct 2026
- Legal entity
- The company website identifies the maker as Scalapay S.R.L., with an Italian VAT number and Milan address.checked 20 Oct 2026
Where it runs
- Approval limits
- Orders are assessed in real time using factors such as store, card type, order value and usage history, and approval is not guaranteed.checked 20 Oct 2026
The company
- Company founding
- LinkedIn lists Scalapay as founded in 2019.checked 20 Oct 2026
- Company location
- The site identifies Scalapay S.R.L. at Via Nervesa 21, 20139 Milan, Italy.checked 7 Oct 2026
- Company size
- LinkedIn places Scalapay in the 201–500 employee range and shows 254 employees.checked 20 Oct 2026
- Founded
- 2019checked 28 Sep 2026
- Headquarters
- LinkedIn lists Dublin City, Ireland as headquarters, while Scalapay's own website gives an operating headquarters address in Milan, Italy.checked 20 Oct 2026
Money
- Customer cost
- The customer help page says Pay in 3 is free for shoppers, while Pay in 4 may carry an additional fee shown before confirmation.checked 7 Oct 2026
