FLOA vs Scalapay
FLOA
floa.com
Scalapay
scalapay.comSide by side
| Figure | FLOA | Scalapay |
|---|---|---|
| Price from | €1.25/mo | Free |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | — | Yes |
| Plans published | 2 | 6 |
| Spec score · Buy Now, Pay Later Platforms | 7.8 (#12) | 8.4 (#4) |
| Founded | 2001 | 2019 |
| Headquarters | Floa lists its registered office at Immeuble G7, 71 Rue Lucien Faure, 33300 Bordeaux, France. | LinkedIn lists Dublin City, Ireland as headquarters, while Scalapay's own website gives an operating headquarters address in Milan, Italy. |
| Mobile app | The Floa app lets customers request financing, manage services, and spread payments from their mobile device. | The main site says the app is available for iOS and Android and describes generating a barcode for in-store checkout. |
Plans
Scalapay
- Pay in 3Free
- Pay in 4Free
- Merchant acceptancePriced on request
- Merchant offeringPriced on request
- Pay in 3Price not published
- Pay in 4Price not published
In their own words
Scalapay
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.