Scalapay

Scalapay is a buy now, pay later (BNPL) payment service primarily operating in Europe, allowing consumers to split purchases into interest-free installments. It enables online shoppers to pay for purchases in three or four installments over time without interest charges if paid on schedule. The service integrates with e-commerce platforms and checkout processes, appearing as a payment option alongside credit cards and other methods. Scalapay handles credit risk and payment collection, allowing merchants to receive full payment upfront while customers pay over time. The platform is designed to increase conversion rates and average order values by making larger purchases more accessible to consumers. It provides a mobile app for consumers to manage their installment plans and track upcoming payments. Scalapay is particularly popular in Italy and southern European markets, competing with services like Klarna and Afterpay in the growing BNPL sector.