Tech riderRev. 7 Oct 2026

Scalapay

Ch 037.3of 26Buy Now, Pay Later Platforms

1Runs onAndroid, API, iOS, Web
2Checkout channelsomnichannel
3Repayment termsPay in 3: first payment at purchase, then after 1 and 2 months; Pay in 4: first payment at purchase, then after 1, 2, and 3 months
4Merchant platformsBigCommerce, JTL 4, LogiCommerce, Mabisy, Magento 1, Magento 2, OpenCart, nopCommerce, PrestaShop, Ready Pro, Salesforce, SAP Hybris, Shopify, Shopware, Storeden, VTEX, WooCommerce
5Merchant settlementscheduled
6Consumer regionsAustria, Belgium, Finland, France, Germany, Italy, Netherlands, Portugal, Spain, Mayotte, Réunion, French Guiana, Martinique, Guadeloupe
7Merchant dashboardYes

7 lines stated Written from the maker's own pages: scalapay.com, merchant-help.scalapay.com

Visit site Alternatives

Overview

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.

Who it is for

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.

What is good

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

What to know first

Pay in 4 may carry a customer fee
Merchant commission details require registration
Merchant fees are personalized

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.

Scalapay plans and pricing

All plans

Pay in 3 Free Three instalments · monthly · no interest to the customer scalapay.com · 7 Oct 2026

Pay in 4 Free Four instalments · merchant receives full amount · customer fee may apply depending on the offer scalapay.com · 7 Oct 2026

Merchant offering Commission charged per order; merchant pays agreed contractual fees; fees disclosed after registration merchant-help.scalapay.com · 7 Oct 2026

Compared on buy now, pay later platforms

Checkout channels: omnichannelscalapay.com
Repayment terms: Pay in 3: first payment at purchase, then after 1 and 2 months; Pay in 4: first payment at purchase, then after 1, 2, and 3 monthsscalapay.com
Merchant platforms: BigCommerce, JTL 4, LogiCommerce, Mabisy, Magento 1, Magento 2, OpenCart, nopCommerce, PrestaShop, Ready Pro, Salesforce, SAP Hybris, Shopify, Shopware, Storeden, VTEX, WooCommercescalapay.com
Merchant settlement: scheduledscalapay.com
Consumer regions: Austria, Belgium, Finland, France, Germany, Italy, Netherlands, Portugal, Spain, Mayotte, Réunion, French Guiana, Martinique, Guadeloupescalapay.com
Merchant dashboard: Yesscalapay.com

Facts

What it does: Scalapay lets customers pay for purchases from participating online and physical stores in instalments while the merchant receives the full amount immediately.scalapay.com · 7 Oct 2026
Pay in 3: The merchant page describes Pay in 3 as three instalments without interest for the customer.scalapay.com · 7 Oct 2026
Pay in 4: The merchant page offers Pay in 4 and says customers can pay in three or four instalments without interest.scalapay.com · 7 Oct 2026
Pay by link: Scalapay offers a Pay-by-Link option that lets a customer split payment into three or four instalments.scalapay.com · 7 Oct 2026
Merchant risk: Scalapay says it assumes the risk if customers fail to pay their instalments.scalapay.com · 7 Oct 2026
Merchant support: Scalapay says it provides support from merchant onboarding through post-launch.scalapay.com · 7 Oct 2026
Integrations: Ready-made store plugins are listed for BigCommerce, JTL 4, LogiCommerce, Mabisy, Magento 1 and 2, OpenCart, nopCommerce, PrestaShop, Ready Pro, Salesforce, SAP Hybris, Shopify, Shopware, Storeden, VTEX and WooCommerce.developers.scalapay.com · 7 Oct 2026
Custom integration: Merchants whose platform is not listed can contact the integration team or use the custom integration guide.developers.scalapay.com · 7 Oct 2026
API and developer docs: The developer portal provides integration guides and API documentation for merchants.developers.scalapay.com · 7 Oct 2026
Mobile app: The main site says the app is available for iOS and Android and describes generating a barcode for in-store checkout.scalapay.com · 7 Oct 2026
Online payment: The homepage says customers can choose Scalapay at checkout and pay with Visa, Mastercard or Amex.scalapay.com · 7 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 · 7 Oct 2026
Merchant fees: Merchants pay a commission on each order, and Scalapay says it provides detailed fees after registration because they are personalized.merchant-help.scalapay.com · 7 Oct 2026
Company location: The site identifies Scalapay S.R.L. at Via Nervesa 21, 20139 Milan, Italy.scalapay.com · 7 Oct 2026