Scalapay lets customers split purchases at participating online and physical stores into instalments while merchants receive the full amount immediately. Pay in 3 divides a purchase into three interest-free instalments for the customer; Pay in 4 uses four instalments, though an additional customer fee may apply depending on the offer. Pay in 3 is listed at no cost, and Pay in 4 is also listed at no cost with a possible customer fee. A Pay-by-Link option lets customers divide payments into three or four instalments. At online checkout, customers can choose Scalapay and pay with Visa, Mastercard, or Amex; its iOS and Android app can generate a barcode for in-store checkout. Merchants pay commission per order, with personalized fees disclosed after registration. Ready-made plugins cover platforms including Shopify, WooCommerce, BigCommerce, Magento, and Salesforce, among others. Merchants can also use integration guides and API documentation, or contact the integration team for a custom connection. Scalapay says it assumes the risk if customers do not pay instalments and supports merchants from onboarding through post-launch. Founded in 2019, the company is headquartered in Milan, Italy.
Who it is for
Scalapay suits shoppers at participating stores who want to divide a purchase into instalments, and merchants seeking an instalment payment option for online or physical sales. Merchants should account for per-order commission and personalized fees disclosed after registration.
What is good
- Merchants receive the full purchase amount immediately.
- Pay in 3 has no customer interest.
- Pay-by-Link supports three or four instalments.
- Plugins are listed for numerous merchant platforms.
- The app supports barcode-based in-store checkout.
What to know first
- Pay in 4 may carry a customer fee.
- Merchants pay commission on each order.
- Merchant fees are disclosed after registration.
Verdict
Scalapay offers instalment payments across online and physical store channels, with plugins and API documentation for merchants. Shoppers should check any Pay in 4 fee before confirming, and merchants should review their personalized fees.
Scalapay plans and pricing
All plansCompared on buy now, pay later platforms
- Checkout channels
- omnichannel
- 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 months
- Merchant platforms
- BigCommerce, JTL 4, LogiCommerce, Mabisy, Magento 1, Magento 2, OpenCart, nopCommerce, PrestaShop, Ready Pro, Salesforce, SAP Hybris, Shopify, Shopware, Storeden, VTEX, WooCommerce
- Merchant settlement
- scheduled
- Consumer regions
- Austria, Belgium, Finland, France, Germany, Italy, Netherlands, Portugal, Spain, Mayotte, Réunion, French Guiana, Martinique, Guadeloupe
- Merchant dashboard
- Yes
