Scalapay

What is scalapay

Scalapay is a buy-now-pay-later (BNPL) payment method that allows shoppers to receive goods immediately and split the purchase into three equal, interest-free instalments. The service is consumer-facing for checkout and merchant-facing as a payment option that can be added to e-commerce platforms and physical stores. Scalapay positions itself as a lightweight instalment option focused on short-term, interest-free payments rather than extended credit products.

Scalapay is available in multiple European markets and works with a wide range of merchants — from fashion and beauty retailers to home goods and electronics stores. For shoppers, the core proposition is predictable, short-duration payments without interest; for merchants, the value lies in higher conversion rates and larger average order values reported by partners. You can review their merchant offering and onboarding information on their merchant integration pages.

From a regulatory and operational perspective, Scalapay typically assumes the merchant risk for the order (paying the merchant upfront) and then collects instalments from the customer. The company publishes legal and compliance pages describing terms and conditions, privacy, and merchant contracts; merchants should check those pages for jurisdictional details and consumer protections. For high-level company information and legal notices, see their terms and conditions and legal pages.

Scalapay features

Scalapay provides a set of features focused on checkout integration, customer experience, and merchant analytics. On the consumer side, the service supports three equal instalments with one payment due immediately at purchase and the remaining two collected monthly. The merchant experience centers on simple integration paths (plug-ins and APIs), a hosted checkout option, and in-store barcode-based payments through the mobile app.

Key platform features include:

• Fast consumer onboarding with instant approval decisions at checkout
• Three interest-free instalments with transparent schedules shown at purchase
• Online integrations with major e-commerce platforms and custom API integrations for bespoke checkouts
• In-store workflow via the Scalapay mobile app that generates barcodes to finalize payments at point of sale

Merchants gain access to reporting dashboards, order-level tracking, and marketing assets to present Scalapay as a payment option. Scalapay also offers promotional tooling for merchants who want to highlight instalment pricing on product pages or during the checkout flow. For technical details and developer documentation, consult their merchant integration documentation.

What does scalapay do?

scalapay lets customers select Scalapay at checkout and pay with their card (Visa, Mastercard, Amex) while splitting the total into three instalments: the first charged at purchase, the second and third charged monthly. The service displays the instalment amounts and dates during checkout so customers understand the schedule before confirming the order. This predictability is central to the Scalapay value proposition for consumers.

For merchants, scalapay processes the transaction, remits funds for the sale (subject to merchant agreement and settlement timeframe), and performs customer collections on the instalments. That means merchants typically receive payment upfront (minus any merchant fees) while Scalapay handles the later instalment collections and associated credit risk. Merchants integrate either through turnkey plugins for common platforms or via API/webhook flows for custom checkouts.

In stores, scalapay provides an app-based barcode generator that the cashier scans to complete the payment flow; customers then pay instalments through their Scalapay account. This in-store barcode workflow is intended to replicate the online checkout convenience in physical retail environments.

Scalapay pricing

Scalapay offers flexible pricing tailored to merchant business models and transaction volumes. Rather than consumer subscription fees, Scalapay typically charges merchants a transaction fee or service fee that is negotiated based on market, volume, and integration method. Consumers usually do not pay interest on the three-instalment product, but late fees or collection charges can apply under the terms and conditions.

Because merchant pricing varies by country, sales channel, and contract, merchants should consult Scalapay for exact fees, settlement timing, and any onboarding costs. Typical BNPL merchant fees in the market range from a low single-digit percentage to mid-single digits of the transaction value plus possible fixed fees — merchant-specific rates will vary. For the most current merchant pricing and program structure, review their merchant pricing and integration options.

For consumers, the main pricing detail is simple: three equal payments with no interest if instalments are paid on time. Consumers should read the service terms for information about late fees, returned-payment charges, and other potential costs. Visit their terms and conditions for full consumer pricing disclosures.

How much is scalapay per month

Scalapay offers competitive transaction-based pricing for merchants rather than a monthly subscription. For consumers the product is structured as three instalments charged monthly, with the first instalment due at purchase and the next two charged roughly one and two months later. Consumers generally do not pay a recurring monthly subscription; costs to the consumer arise only from missed payments or late fees as specified in the contract.

Merchants evaluating Scalapay should expect fees quoted as a percentage of transaction value plus possible settlement or setup charges; those fees are typically quoted on a per-month or per-transaction basis depending on the contract. For precise merchant monthly cost projections, request a quote from Scalapay and model expected transaction volume and average order value.

If you need a quick estimate of monthly expense for a given sales volume, multiply your projected monthly transaction volume by the merchant fee percentage provided in your Scalapay contract, and factor in any fixed or platform costs disclosed in the merchant agreement.

How much is scalapay per year

Scalapay does not charge consumers an annual subscription; merchant costs are typically contract-based and billed per transaction or on a monthly settlement cadence. For merchants, annual costs depend on total transaction volume, average order value, and the negotiated merchant fee rate. High-volume merchants often receive volume discounts, which reduce effective annual costs.

To estimate annual expense as a retailer, calculate your expected total sales processed via Scalapay and apply the negotiated fee structure — include settlement timing differences, chargeback handling fees, and optional marketing or integration services. Scalapay’s sales team or merchant portal can provide sample annual cost breakdowns based on real transaction data.

For consumers, the annual cost of using Scalapay is typically zero if payments are made on schedule; any late fees or collection costs would be additional and disclosed in the contract.

How much is scalapay in general

Scalapay pricing ranges from no direct cost to consumers (if payments are made on time) to negotiated merchant fees that vary by market and volume. Consumers pay via three equal instalments, usually without interest; merchant costs depend on contract, transaction value, and volume discounts. This model aligns with most BNPL providers that monetize the service through merchant fees rather than consumer interest.

If you are a consumer comparing BNPL options, prioritize reading the terms around late fees and return handling. If you are a merchant, request a merchant agreement to see exact per-transaction percentages, setup fees, settlement timing, and reconciliation options.

Visit their official pricing page for the most current information.

What is scalapay used for

Scalapay is primarily used for short-term, interest-free instalment payments at checkout for e-commerce and in-store purchases. Consumers use the service to spread the cost of purchases into three predictable instalments, enabling higher-ticket purchases without the up-front burden. Scalapay is most commonly seen in fashion, beauty, homeware, and other retail verticals where average order values can benefit from instalment options.

For merchants, Scalapay is used to increase conversion rates, raise average order values, and reduce friction at checkout by offering a familiar card-based payment flow with an alternative financing option. Merchants also use promotional tools from Scalapay to display instalment pricing on product pages and marketing materials, which can influence purchase decisions.

Internally, operations teams use Scalapay integrations to reconcile settlements, manage returned items and refunds, and track customer repayment status through merchant dashboards or webhooks. Finance teams should plan for settlement timing and chargeback processes, while customer service teams should be trained on refund flows involving instalment products.

Pros and cons of scalapay

Pros:

• Predictable instalment schedule: customers see the full schedule at checkout and pay in three equal instalments with the first payment up front.
• Improves conversion and average order value for merchants by lowering the initial payment barrier for shoppers.
• Multiple integration paths: hosted checkout, platform plugins, and API/webhook support for custom setups.

Cons:

• Merchant fees: merchants pay for the service through negotiated transaction fees which can impact margins on low-margin items.
• Late fees and collections: while consumer-facing pricing is interest-free, missed payments can generate additional fees and impact customer satisfaction.
• Regional availability and regulation: Scalapay’s presence varies by country and local regulations governing consumer credit and BNPL products may affect the offering.

Operational considerations for merchants include settlement timing (when funds are remitted), chargeback handling, and the integration work required to present instalment pricing clearly across product pages, cart, and checkout.

Scalapay free trial

Scalapay does not provide a consumer free trial because consumers use the payment method per transaction rather than via a subscription. For merchants, Scalapay typically offers onboarding assistance and test/sandbox environments so developers can validate integrations before going live. This developer sandbox allows merchants to test checkout flows, webhook events, and reconciliation processes without real funds moving.

Merchants interested in a pilot or limited rollout can often negotiate staging and pilot programs with Scalapay to measure conversion impact and operational fit before rolling the payment option out sitewide. These pilot programs vary by market and are coordinated through Scalapay’s merchant sales and support teams. For developer resources and sandbox access, consult their integration documentation.

Operationally, a recommended merchant trial approach is to run A/B tests comparing checkout performance with and without Scalapay, measure uplift in conversion and average order value, and monitor post-purchase flows (refunds, returns, and chargebacks) to ensure reconciliation processes are robust.

Is scalapay free

Yes, using Scalapay as a consumer can be free when instalments are paid on time. There is no recurring consumer subscription; buyers pay three instalments and, if all payments are made as scheduled, no interest is charged. However, the user agreement includes provisions for late fees or returned-payment charges if payments are missed.

From a merchant perspective, Scalapay is not free: merchants pay fees for the service, which vary by contract, market, and volume. Merchants should request a formal quote and examine settlement terms, chargeback policies, and any optional marketing or setup fees.

For full consumer-facing fee details, review the service terms on their legal pages.

Scalapay API

Scalapay provides APIs and SDKs to integrate the payment method into custom checkouts, back-office systems, and mobile apps. The API enables creating payment intents or orders, receiving webhook events for payment status updates, and reconciling settlements. Typical API functionality includes order creation, customer authentication, refunds, and webhook notifications for instalment events.

Developers can validate implementation using sandbox credentials and test endpoints before switching to live credentials. The API supports standard commerce patterns such as partial refunds, full refunds, and order cancellation flows, but merchants must adapt their refund logic to account for instalment schedules and how Scalapay handles outstanding instalments after a return.

For technical reference, authentication details, and code samples, developers should consult Scalapay’s official developer or merchant integration documentation and follow recommended security practices such as verifying webhooks and storing credentials securely. See their merchant integration documentation for developer guides and sandbox access.

10 Scalapay alternatives

Paid alternatives to scalapay

• Klarna — A global BNPL provider offering pay-in-3, pay-in-30, and longer financing options; strong merchant developer ecosystem and extensive market presence.
• Afterpay — Popular BNPL service (operates as Clearpay in some markets) focused on staggered instalments and retailer partnerships, with established plugin support.
• Affirm — Offers instalments and longer-term financing with more detailed credit checks; merchants can offer fixed monthly payments over multiple terms.
• PayPal Pay in 4 — PayPal’s short-term instalment product that leverages PayPal’s user base and checkout flows to offer four-installment options.
• Clearpay — The UK/EU version of Afterpay, providing interest-free instalments and merchant integrations tailored to European retailers.
• Laybuy — Six-week instalment product available in select markets with merchant-facing integration tools.
• Sezzle — North American BNPL option that emphasizes flexible approvals and merchant conversion uplift.

Open source alternatives to scalapay

• WooCommerce — Open-source e-commerce platform (WordPress) that supports instalment plugins and extensions; merchants can self-host and integrate third-party instalment logic.
• Magento Open Source — Community edition of Magento that allows custom payment modules and third-party BNPL integrations; suitable for merchants that want full control over checkout and payment flows.
• Solidus — Open-source Rails-based e-commerce platform that supports custom payment gateways and can be extended to implement instalment or deferred-payment workflows.
• Saleor — Open-source GraphQL-first e-commerce platform that can be extended to support instalment logic and integrate with payment providers via webhooks and APIs.
• PrestaShop — Self-hosted e-commerce solution with a plugin ecosystem that includes BNPL connectors and instalment modules in some markets.

Open source options require merchants to manage or integrate with third-party payment providers to handle collections and risk, whereas dedicated BNPL providers like Scalapay manage underwriting and collections as part of the service.

Frequently asked questions about Scalapay

What is Scalapay used for?

Scalapay is used for splitting purchases into three interest-free instalments. Consumers use it to pay for online and in-store purchases over two additional monthly payments while receiving products immediately. Merchants use Scalapay to increase conversion rates and order values by offering an alternative checkout payment method.

How does Scalapay work at checkout?

Scalapay is selected as a payment method at checkout and charges the first instalment immediately. The remaining two instalments are charged automatically monthly to the card on file. The checkout flow displays instalment amounts, dates, and terms so buyers understand the payment schedule before confirming the order.

Does Scalapay charge interest to consumers?

No, Scalapay’s standard three-instalment product is interest-free when payments are made on time. Consumers are only charged instalments; however, late payments or returned-payment fees may apply under the service terms. Always review the user agreement for country-specific fee details.

Can merchants integrate Scalapay easily?

Yes, Scalapay offers plugins and API integration options for common e-commerce platforms and custom checkouts. They provide sandbox environments, developer documentation, and merchant onboarding support to accelerate integration. Complex or bespoke platforms may require more development work to display instalment pricing consistently across the storefront.

Is Scalapay available in multiple countries?

Yes, Scalapay operates in multiple European markets and may expand regionally over time. Availability depends on local merchant partnerships and regulatory frameworks for BNPL services in each country. Merchants should check Scalapay’s market list and terms for current country availability.

Why do merchants use Scalapay?

Merchants use Scalapay to increase basket size and conversion rates. By offering instalments, merchants lower the upfront cost barrier for customers, which often results in higher average order values. Scalapay also handles consumer financing and collections so merchants can avoid direct consumer credit exposure.

When will a customer be charged the second instalment?

The second instalment is typically charged about one month after the initial purchase. Instalment dates are shown at checkout and in the consumer’s Scalapay account. Merchants should coordinate refund and return policies with Scalapay’s refund flow because refunds can affect the instalment schedule.

Where can I find Scalapay merchant documentation?

Scalapay publishes merchant integration guides and developer documentation on their official merchant pages. Those pages cover plugins, API reference, sandbox access, and onboarding steps for new merchants. Visit their merchant integration documentation to get started.

How does Scalapay handle refunds and returns?

Scalapay supports refunds and adjusts instalment collections based on the merchant’s return process. When a merchant issues a refund, Scalapay reconciles the outstanding instalments according to the agreement and refund policy; the exact flow can vary by contract and country. Merchants should test refund scenarios in the sandbox environment and confirm operational procedures during onboarding.

Does Scalapay have an API for developers?

Yes, Scalapay provides APIs and webhook support for order creation, payment events, and reconciliation. Developers can use sandbox credentials for testing and follow the integration guides to implement webhook verification, refund flows, and settlement reconciliation. See their merchant developer documentation for technical details.

Scalapay careers

Scalapay maintains a corporate site with careers and hiring information for roles across engineering, product, sales, and operations. Job openings and application instructions are typically posted on the company’s careers page or company LinkedIn profile. Candidates interested in payments, fintech product design, and international commerce will find roles that emphasize integration, regulatory compliance, and merchant growth.

For current openings and recruitment processes, check Scalapay’s official careers page and company profiles on professional networks.

Scalapay affiliate

Scalapay runs partnership programs and merchant referral channels in some markets, enabling affiliates, publishers, and agencies to collaborate on merchant acquisition or consumer promotions. Specific affiliate or partner program terms vary by market and partner type, and merchants or partners should contact Scalapay’s partnerships team for program requirements, commission structures, and marketing assets.

Prospective partners should review partnership options on Scalapay’s business pages and discuss tracking, reporting, and payout mechanics during onboarding.

Where to find Scalapay reviews

Independent reviews of Scalapay can be found on merchant feedback portals, e-commerce community forums, and consumer app stores where users rate the Scalapay mobile app. Retailer case studies and press coverage also highlight merchant outcomes such as conversion uplift and average order value increases. For firsthand feedback, consult app-store reviews for the Scalapay app and merchant case studies published on their business pages.