- Home
- Buy Now, Pay Later Platforms
- Scalapay
Scalapay
LinkedIn lists Dublin City, Ireland as headquarters, while Scalapay's own website gives an operating headquarters address in Milan, Italy.
What it is
Scalapay lets customers split purchases from participating online and physical stores into instalments while merchants receive the full amount immediately. Pay in 3 divides a purchase into three instalments without interest for the customer; the listed plan is free. Pay in 4 divides payment into four instalments and is also listed as free, though a customer fee may apply depending on the offer. Pay by Link also allows payment in three or four instalments. Customers can select Scalapay at online checkout and pay with Visa, Mastercard, or Amex, or use the iOS or Android app to generate a barcode for in-store checkout. Merchants pay a commission per order, with personalized fees disclosed after registration. Ready-made plugins cover platforms including Shopify, WooCommerce, BigCommerce, Magento, and Salesforce; developer guides and API documentation are also available. Scalapay says it assumes the risk of unpaid instalments and supports merchants from onboarding through post-launch. The company was founded in 2019 and is headquartered in Milan, Italy.
For and against
For
- Supports online and physical-store checkout
- Pay in 3 has no customer interest
- Pay by Link splits payments into instalments
- Merchants receive the full amount immediately
- Offers plugins and API documentation
Against
- Pay in 4 may carry a customer fee
- Merchant commissions are personalized and disclosed after registration
The verdict
Scalapay offers instalment payments through checkout, payment links, and an in-store barcode flow. Customers should check the Pay in 4 offer for any fee, while merchants must register to see personalized commission details.
Who it suits
Scalapay suits shoppers who want to divide eligible purchases into instalments and merchants seeking an instalment payment option for online or in-store sales. Merchants can use listed plugins or developer documentation for integration.
Plans and prices
Merchant acceptance
Scalapay assumes fraud and non-payment risk
Read 20 Oct 2026 · merchant-help.scalapay.com
Pay in 3
Small late fees may apply · available after approval
Read 20 Oct 2026 · help.scalapay.com
Pay in 4
Fourth instalment cannot be postponed · approval required
Read 20 Oct 2026 · help.scalapay.com
Merchant offering
Commission charged per order; merchant pays agreed contractual fees; fees disclosed after registration
Read 7 Oct 2026 · merchant-help.scalapay.com
On the record
- API and developer docs
- The developer portal provides integration guides and API documentation for merchants.developers.scalapay.com · read 7 Oct 2026
- API authentication
- API requests use a secret Bearer token and return 401 when authentication fails.developers.scalapay.com · read 20 Oct 2026
- API environments
- Scalapay provides separate production and sandbox API endpoints, with fake cards available for sandbox testing.developers.scalapay.com · read 20 Oct 2026
- API flow
- The documented standard flow requires create-order, get-order-details and capture-order calls.developers.scalapay.com · read 20 Oct 2026
- API simulator
- The developer portal includes an API simulator for submitting requests and viewing responses.developers.scalapay.com · read 20 Oct 2026
- API transport security
- The API documentation says communications use TLS 1.2 or later.developers.scalapay.com · read 20 Oct 2026
- 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.help.scalapay.com · read 20 Oct 2026
- Barcode payments
- The mobile app can generate a barcode for in-store instalment purchases.help.scalapay.com · read 20 Oct 2026
- Company founding
- LinkedIn lists Scalapay as founded in 2019.linkedin.com · read 20 Oct 2026
- Company location
- The site identifies Scalapay S.R.L. at Via Nervesa 21, 20139 Milan, Italy.scalapay.com · read 7 Oct 2026
- Company size
- LinkedIn places Scalapay in the 201–500 employee range and shows 254 employees.linkedin.com · read 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.blog.scalapay.com · read 20 Oct 2026
- 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.help.scalapay.com · read 7 Oct 2026
- Custom integration
- Merchants can build a custom website integration when their platform is not listed.developers.scalapay.com · read 20 Oct 2026
- Documentation depth
- The developer portal contains integration guides, API reference material, plugin instructions, testing guidance and go-live steps.developers.scalapay.com · read 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.crunchbase.com · read 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.play.google.com · read 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.play.google.com · read 20 Oct 2026
