Scalapay vs ViaBill
Scalapay
scalapay.comViaBill
viabill.comSide by side
| Figure | Scalapay | ViaBill |
|---|---|---|
| Price from | Free | Free |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 6 | 1 |
| Spec score · Buy Now, Pay Later Platforms | 8.4 (#4) | 8.2 (#6) |
| Founded | 2019 | 2014 |
| Headquarters | LinkedIn lists Dublin City, Ireland as headquarters, while Scalapay's own website gives an operating headquarters address in Milan, Italy. | The ViaBill site footer lists Grønnegade 10, 1107 Copenhagen. |
| Merchant fees | Merchants pay a commission on each order, and Scalapay says it provides detailed fees after registration because they are personalized. | The Danish merchant page states a transaction fee of 2.95% per transaction and says customized offers are available. |
| Merchant risk | Scalapay says it assumes the risk if customers fail to pay their instalments. | ViaBill says it assumes the risk of customer nonpayment. |
| Merchant settlement | Scalapay says merchants receive the full order value upfront while customers repay over time. | ViaBill says merchants are paid after 14 days, while shoppers repay over time. |
| Security and privacy | Scalapay's privacy policy says it uses encryption, access controls and other measures to protect personal data. | ViaBill says personal data transfers follow applicable data protection law and appropriate security measures. |
| What it does | Scalapay lets shoppers buy online or in physical stores and repay in three or four monthly instalments. | ViaBill provides payment services that let consumers pay for purchases in installments. |
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.
ViaBill
ViaBill lets shoppers buy now and repay purchases in installments, with checkout for online stores and omnichannel use. ViaBill Free divides a purchase into four monthly payments: one at purchase and three over the following months, with no interest or fees at selected stores. Its listed Free terms include 250 EUR of credit, 0% variable interest, 0% APR, a total credit cost of 0 EUR and a fixed 365-day agreement period. The Free and Plus pages advertise access to up to 50,000 DKK, subject to account and product terms. Plus offers repayment over as many as 24 monthly payments and access to a virtual or physical Mastercard for 29 DKK per month; Plus terms also specify a 3.99 EUR account fee with each monthly installment. The app displays credit limit, balance, payments and transactions. ViaBill runs on Android, iOS and web, and offers an API for merchants. Merchant integrations include Shopify, WooCommerce, Magento, PrestaShop, Drupal and OpenCart. The company says it pays merchants upfront and bears purchase risk through its service. Pricing is available on request.