Aplazo vs Scalapay

APLAZO lets people pay for purchases in participating online and physical stores across Mexico in installments without a credit card. Customers can use online checkout, scan a QR code in a physical store, or generate an in-app virtual card for a selected store and purchase amount. Depending on the store, account and purchase, schedules include 1, 3, 5, 8 or up to 12 biweekly installments. Eligible purchases over $5,000 MXN may qualify for monthly payments of 3, 6 or 12 months when APLAZO is offered directly by the merchant. Virtual-card purchases remain biweekly, and the card will not work at a different store. Before confirming, customers can review payment amounts, dates, total cost and applicable charges; early payments are available in the app. Registration requires identification, a selfie, a mobile number and personal details, but prior credit history is not required. Spending amounts and terms depend on the account and purchase. The service is listed as free and is available on Android, iOS, web and API. Merchants can use integrations, a developer API and a PrestaShop module.

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.