PayJustNow vs Scalapay
PayJustNow
payjustnow.com
Scalapay
scalapay.comSide by side
| Figure | PayJustNow | Scalapay |
|---|---|---|
| Price from | Free | Free |
| Free plan | Yes | 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 | 7.6 (#19) | 8.4 (#4) |
| Headquarters | 3rd Floor Sunclare Building, 21 Dreyer Street, Claremont, Western Cape, 7708, South Africa | LinkedIn lists Dublin City, Ireland as headquarters, while Scalapay's own website gives an operating headquarters address in Milan, Italy. |
| Merchant fees | Merchant signup has no setup or monthly service fees, and PayJustNow charges a transaction fee after an order is processed. | Merchants pay a commission on each order, and Scalapay says it provides detailed fees after registration because they are personalized. |
| Pay in 3 | Pay in 3 charges one third at checkout and automatically collects the other two payments on the shopper’s salary date. | The merchant page describes Pay in 3 as three instalments without interest for the customer. |
| What it does | PayJustNow lets shoppers split purchases into instalments through participating South African online and in-store retailers. | Scalapay lets shoppers buy online or in physical stores and repay in three or four monthly instalments. |
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
PayJustNow
PayJustNow lets shoppers split purchases into instalments at participating South African online and in-store retailers. Pay in 3 charges one third at checkout and collects the other two payments automatically on the shopper’s salary date. The plan is listed at free, with 0% interest and no fees when paid on time. Signup requires a valid South African ID, South African cellphone number and email address, and a South African-issued Visa or Mastercard. Pay in 12 divides a purchase into 12 monthly payments: the first is paid upfront, and the other 11 are collected by debit order. Its personalised interest rate is shown when an account is opened, and it is available for online purchases at participating partner stores in South Africa. The Android, iOS, and web app includes QR checkout, exclusive offers, in-app support, and a wallet for store-approved returns. Late or missed payments may incur fees; missed Pay in 12 payments may also be reported to the Credit Bureau.
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.