Scalapay
scalapay.com
What it is
Scalapay lets customers split purchases at participating online and physical stores into instalments, while the merchant receives the full amount immediately. Pay in 3 divides a purchase into three instalments without interest for the customer. Pay in 4 uses four instalments, though a customer fee may apply depending on the offer. Pay by Link also lets customers choose three or four instalments. Online shoppers can select Scalapay at checkout and pay with Visa, Mastercard, or Amex; its iOS and Android app can generate a barcode for in-store checkout. Merchants pay a commission on each order, with personalized fees disclosed after registration. Ready-made plugins cover platforms including Shopify, WooCommerce, BigCommerce, Magento, and Salesforce, and merchants can use integration guides and API documentation. Scalapay says it assumes the risk when customers fail to pay instalments and provides support from merchant onboarding through post-launch. The service was founded in 2019 and is headquartered in Milan, Italy. Its platforms include web, iOS, Android, and API access.
Spec sheet
- What it does
- Scalapay lets shoppers buy online or in physical stores and repay in three or four monthly instalments.Read 20 Oct 2026 · help.scalapay.com
- Integrations
- Official plugins are listed for BigCommerce, Magento, OpenCart, PrestaShop, Salesforce, Shopify, Shopware, VTEX, WooCommerce and other platforms.Read 20 Oct 2026 · developers.scalapay.com
- Headquarters
- LinkedIn lists Dublin City, Ireland as headquarters, while Scalapay's own website gives an operating headquarters address in Milan, Italy.Read 20 Oct 2026 · linkedin.com
- Founded
- 2019Read 28 Sep 2026 · scalapay.com
- API and developer docs
- The developer portal provides integration guides and API documentation for merchants.Read 7 Oct 2026 · developers.scalapay.com
- API authentication
- API requests use a secret Bearer token and return 401 when authentication fails.Read 20 Oct 2026 · developers.scalapay.com
- API environments
- Scalapay provides separate production and sandbox API endpoints, with fake cards available for sandbox testing.Read 20 Oct 2026 · developers.scalapay.com
- API flow
- The documented standard flow requires create-order, get-order-details and capture-order calls.Read 20 Oct 2026 · developers.scalapay.com
- API simulator
- The developer portal includes an API simulator for submitting requests and viewing responses.Read 20 Oct 2026 · developers.scalapay.com
- API transport security
- The API documentation says communications use TLS 1.2 or later.Read 20 Oct 2026 · developers.scalapay.com
- 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.Read 20 Oct 2026 · help.scalapay.com
- Barcode payments
- The mobile app can generate a barcode for in-store instalment purchases.Read 20 Oct 2026 · help.scalapay.com
- Company founding
- LinkedIn lists Scalapay as founded in 2019.Read 20 Oct 2026 · linkedin.com
- Company location
- The site identifies Scalapay S.R.L. at Via Nervesa 21, 20139 Milan, Italy.Read 7 Oct 2026 · scalapay.com
- Company size
- LinkedIn places Scalapay in the 201–500 employee range and shows 254 employees.Read 20 Oct 2026 · linkedin.com
- Current scale claim
- The July 2026 Stripe announcement says Scalapay supports more than 13 million users and over 12,000 brand partners.Read 20 Oct 2026 · blog.scalapay.com
- Custom integration
- Merchants can build a custom website integration when their platform is not listed.Read 20 Oct 2026 · developers.scalapay.com
- 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.Read 7 Oct 2026 · help.scalapay.com
- Documentation depth
- The developer portal contains integration guides, API reference material, plugin instructions, testing guidance and go-live steps.Read 20 Oct 2026 · developers.scalapay.com
- Funding
- Crunchbase lists eight funding rounds, 14 investors including the European Investment Bank and BNP Paribas, and a 251–500 employee range.Read 20 Oct 2026 · crunchbase.com
- Google Play availability
- The Android app listing reports more than 1 million downloads and includes account, payment-management, store-directory and repayment-notification features.Read 20 Oct 2026 · play.google.com
- 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.Read 20 Oct 2026 · play.google.com
- Identity verification
- Scalapay says identity checks support fraud prevention, anti-money-laundering compliance and regulated-payment obligations.Read 20 Oct 2026 · help.scalapay.com
- 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.Read 20 Oct 2026 · help.scalapay.com
- Legal entity
- The company website identifies the maker as Scalapay S.R.L., with an Italian VAT number and Milan address.Read 20 Oct 2026 · scalapay.com
- Licence
- The public developer pages describe a hosted API, plugins and PHP SDK but do not state an open-source licence.Read 20 Oct 2026 · developers.scalapay.com
- Limit: account visibility
- A Trustpilot reviewer said the website makes it difficult to see exactly how much has already been paid.Read 20 Oct 2026 · trustpilot.com
- Limit: app reliability
- Apple reviewers report login or identity-verification failures and cases where the app loads poorly after updates.Read 20 Oct 2026 · apps.apple.com
- Merchant fees
- Merchants pay a commission on each order, and Scalapay says it provides detailed fees after registration because they are personalized.Read 7 Oct 2026 · merchant-help.scalapay.com
- Merchant products
- Merchant offerings include ecommerce checkout, Pay by Link, in-store acceptance and a virtual-card service.Read 20 Oct 2026 · merchant-help.scalapay.com
- Merchant risk
- Scalapay says it assumes the risk if customers fail to pay their instalments.Read 7 Oct 2026 · scalapay.com
- Merchant settlement
- Scalapay says merchants receive the full order value upfront while customers repay over time.Read 20 Oct 2026 · help.scalapay.com
- Merchant support
- Scalapay says it provides support from merchant onboarding through post-launch.Read 7 Oct 2026 · scalapay.com
- Mobile app
- The main site says the app is available for iOS and Android and describes generating a barcode for in-store checkout.Read 7 Oct 2026 · scalapay.com
- Notable news: Stripe partnership
- On July 27, 2026, Scalapay announced expanded Stripe availability, automatic checkout activation for eligible merchants and support for cross-border sales in more than 30 countries.Read 20 Oct 2026 · blog.scalapay.com
- Offline card
- A virtual offline card is intended for physical stores and requires Scalapay Club membership.Read 20 Oct 2026 · help.scalapay.com
- Online card
- A virtual online card supports Pay in 3 and Pay in 4 purchases at affiliated merchants.Read 20 Oct 2026 · help.scalapay.com
- Online payment
- The homepage says customers can choose Scalapay at checkout and pay with Visa, Mastercard or Amex.Read 7 Oct 2026 · scalapay.com
- Pay by Link
- Merchants can send payment links through the Partner Portal or create them through API calls.Read 20 Oct 2026 · merchant-help.scalapay.com
- Pay in 3
- The merchant page describes Pay in 3 as three instalments without interest for the customer.Read 7 Oct 2026 · scalapay.com
- Pay in 3 schedule
- The three-payment option charges the first instalment immediately and the next two one and two months later.Read 20 Oct 2026 · help.scalapay.com
- Pay in 4
- The merchant page offers Pay in 4 and says customers can pay in three or four instalments without interest.Read 7 Oct 2026 · scalapay.com
- Pay in 4 schedule
- The four-payment option runs over three months after purchase, with the final instalment due at month three and not postponable.Read 20 Oct 2026 · help.scalapay.com
- Praise: convenience
- Trustpilot reviewers repeatedly describe the service as simple, quick, convenient and useful for spreading purchases over several months.Read 20 Oct 2026 · trustpilot.com
- Rating on Apple App Store
- 4.8 out of 5 from about 3,400 ratings in SpainRead 20 Oct 2026 · apps.apple.com
- Rating on Trustpilot
- 4.8 out of 5 from 146,911 reviewsRead 20 Oct 2026 · trustpilot.com
- SDK
- A PHP SDK is published through a linked Packagist repository.Read 20 Oct 2026 · developers.scalapay.com
- Security and privacy
- Scalapay's privacy policy says it uses encryption, access controls and other measures to protect personal data.Read 20 Oct 2026 · cdn.scalapay.com
Plans and prices
Pay in 3 Free Three instalments · monthly · no interest to the customer Read 7 Oct 2026 · scalapay.com
Pay in 4 Free Four instalments · merchant receives full amount · customer fee may apply depending on the offer Read 7 Oct 2026 · scalapay.com
Merchant acceptance Priced on request Commission charged on each customer order Scalapay assumes fraud and non-payment risk Read 20 Oct 2026 · merchant-help.scalapay.com
Merchant offering Priced on request Commission charged per order; merchant pays agreed contractual fees; fees disclosed after registration Read 7 Oct 2026 · merchant-help.scalapay.com
Pay in 3 Price not published Three monthly instalments; first charged at purchase; no interest when paid on time Small late fees may apply · available after approval Read 20 Oct 2026 · help.scalapay.com
Pay in 4 Price not published Four monthly instalments; first charged at purchase; small service fee may apply Fourth instalment cannot be postponed · approval required Read 20 Oct 2026 · help.scalapay.com
Strong points and limits
Strong points
- Merchants receive the purchase amount immediately
- Pay in 3 has no customer interest
- Pay by Link supports three or four instalments
- Plugins cover multiple merchant platforms
- Merchant support spans onboarding through post-launch
Limits
- Pay in 4 may carry a customer fee
- Merchant commission details require registration
- Merchant fees are personalized
Who it suits
Scalapay suits merchants seeking instalment payments for online and physical checkout, and customers who want to spread eligible purchases over three or four payments. Merchants should account for per-order commissions and request their personalized fees.
Scalapay in depth
Read the full write-up
Scalapay is a buy-now-pay-later service for shoppers at participating stores and merchants adding instalments to checkout. It is most compelling for businesses on a supported commerce platform that want online, in-store and payment-link options. Its three- and four-payment schedules are straightforward, but the possible Pay in 4 customer fee and personalized merchant commission make cost an important part of the decision.
Overview
Customers can split a purchase into three or four monthly payments, while merchants receive the full amount immediately. Pay in 3 is interest-free and free to shoppers; Pay in 4 may carry an additional fee, shown before confirmation. The first payment is due at purchase, followed by monthly payments: after one and two months for Pay in 3, and after one, two and three months for Pay in 4.
Scalapay says it assumes the risk if a customer fails to pay instalments. That can make the offer more attractive to merchants than managing instalment repayments themselves, though it does not remove the commission charged on each order.
Key features
Ways to pay
Merchants can offer instalments online, in physical stores and through Pay by Link. The app can generate a barcode for in-store checkout, while online customers can choose Scalapay at checkout and pay with Visa, Mastercard or Amex. This range suits merchants who want to use the same payment option across channels; shoppers should compare the final cost of Pay in 4 before confirming.
Merchant integrations
Ready-made plugins cover BigCommerce, JTL 4, LogiCommerce, Mabisy, Magento 1 and 2, OpenCart, nopCommerce, PrestaShop, Ready Pro, Salesforce, SAP Hybris, Shopify, Shopware, Storeden, VTEX and WooCommerce. Merchants using another platform can contact the integration team or use the custom integration guide. API documentation and integration guides are also provided through the developer portal. The broad plugin range is useful for established storefronts, while an unlisted platform may require a custom integration.
Merchant support
Scalapay says it supports merchants from onboarding through post-launch and provides a merchant dashboard. That combination gives merchants ongoing support alongside integration resources, rather than leaving implementation entirely to developers.
Pricing
Scalapay is a paid service for merchants, with pricing on request. Its shopper-facing Pay in 3 plan is free and covers three monthly instalments with no interest to the customer. Pay in 4 is also free, with four instalments and the merchant receiving the full amount, but a customer fee may apply depending on the offer.
The Merchant offering has custom pricing: merchants pay a commission per order and agreed contractual fees. Scalapay provides detailed, personalized fees after registration, so businesses should establish their expected commission before committing. Shoppers considering Pay in 4 should check the fee shown before confirmation; Pay in 3 is the clearer no-cost option for customers.
Platforms
Scalapay supports Android, iOS, web and API. The merchant plugin catalogue includes BigCommerce, JTL 4, LogiCommerce, Mabisy, Magento 1 and 2, OpenCart, nopCommerce, PrestaShop, Ready Pro, Salesforce, SAP Hybris, Shopify, Shopware, Storeden, VTEX and WooCommerce. Consumer regions include Austria, Belgium, Finland, France, Germany, Italy, the Netherlands, Portugal, Spain, Mayotte, Réunion, French Guiana, Martinique and Guadeloupe.
Who it's for
Scalapay is a practical fit for merchants seeking instalment checkout across supported online platforms and physical stores, especially those who value immediate settlement and having Scalapay assume missed-payment risk. It also suits shoppers who want three interest-free monthly payments at participating stores. It is less straightforward for merchants that need a known commission before registration or use an unsupported storefront, and for shoppers who want to avoid any possibility of a Pay in 4 fee.
Pros and cons
Pros: Merchants receive the full purchase amount immediately, and Scalapay says it assumes the risk of unpaid instalments.
Pros: Pay in 3 is free and interest-free for shoppers, with predictable monthly payments.
Pros: Store plugins, API documentation, and support from onboarding through post-launch serve a wide range of merchant setups.
Cons: Merchant commissions and contractual fees are personalized and disclosed after registration, making upfront cost comparison harder.
Cons: Pay in 4 may add a customer fee, unlike Pay in 3.
Cons: Merchants outside the plugin catalogue may need a custom integration.
Alternatives
For a broader comparison, see Buy Now, Pay Later Platforms. Choose Tamara if its free plan and free trial are a better fit; its Pay in 3 plan is free for three equal monthly payments at 0% APR, subject to eligibility and merchant offer. ViaBill may suit shoppers who want a free plan with 250 EUR credit and four monthly payments for one year.
Tabby is worth considering for a freemium option with four interest-free payments and no fees on its Pay in 4 plan. Atome offers a freemium Pay-in-3 plan with three monthly payments and 0% interest at participating merchants. Billie is an alternative to consider for business payments.
PayJustNow is aimed at South African shoppers seeking three instalments with 0% interest and no fees when paid on time. Zilch offers a freemium Standard plan with up to 5% rewards in-app and a £4.99 card fee. Afterpay offers four interest-free instalments over six weeks, with the first payment upfront and eligibility required.
Verdict
Choose Scalapay if you are a merchant on a supported platform looking to offer instalments across online and physical checkout, or a shopper who wants three interest-free monthly payments. Its main advantage is the combination of immediate merchant settlement and Scalapay taking on missed-payment risk. Look elsewhere if you need predictable merchant fees before registration or want to rule out customer fees on every payment schedule.
Verdict
Scalapay combines instalment options for shoppers with plugins, API documentation, and support for merchants. The key cost distinction is that Pay in 4 may add a customer fee, while merchant commissions are disclosed after registration.
Where Specifiction places it
- Buy Now, Pay Later Platforms#4 of 268.4
