Scalapay

What is scalapay.com

Scalapay is a buy‑now‑pay‑later (BNPL) service that lets consumers split online purchases into short‑term, interest‑free instalments while merchants receive full or near‑full settlement up front. The platform positions itself between shoppers and merchants: shoppers receive a payment option at checkout that spreads cost over multiple payments, and merchants gain a checkout conversion tool with integrated acceptance and risk management.

Scalapay operates in multiple markets across Europe and APAC and focuses on e‑commerce integration, simple customer flows, and merchant reconciliation tools. For shoppers the core proposition is predictable, interest‑free instalments with minimal friction; for merchants the value is higher average order value, improved conversion rates, and a consolidated merchant settlement experience.

The company offers merchant‑facing tools (checkout plugins, dashboard, reconciliation, and reporting) and developer resources (APIs and webhooks) for deeper commerce platform integrations. For the latest official company positioning and supported markets, see Scalapay’s corporate site at https://www.scalapay.com/.

Scalapay features

Scalapay provides a combination of shopper‑facing and merchant‑facing features designed to simplify BNPL at checkout and back‑office operations. Core feature groups include checkout options, merchant settlement, risk and fraud management, reconciliation tools, and reporting.

Key merchant features include checkout widgets and hosted pages, direct integrations with popular e‑commerce platforms, configurable payment flows, automated settlement and payouts, dispute handling support, and analytics dashboards for conversion and AOV tracking. The platform also exposes APIs and webhooks so engineering teams can build customized flows, automate order fulfillment, and keep internal systems in sync.

Shopper features focus on a simple purchase process: clear installment schedules, a hosted payment flow or in‑context widget, SMS/email notifications for upcoming payments, and a customer portal to view upcoming instalments and payment history. Scalapay emphasizes transparency (no interest or hidden fees for qualifying instalments) and friction reduction at the point of sale.

What does scalapay.com do?

Scalapay offers a checkout payment option that splits the cost of a purchase into multiple short‑term instalments for shoppers while processing the transaction for the merchant. At checkout customers select Scalapay, authenticate with basic details, and complete the order; Scalapay pays the merchant (often less a merchant fee) and collects instalments from the customer according to the agreed schedule.

On the merchant side Scalapay handles underwriting, fraud screening, payment collection, and customer service for instalments. Merchants use Scalapay to present an alternative payment method that typically increases average order value and conversion, especially for higher‑ticket items.

Developers can integrate Scalapay through prebuilt plugins for platforms such as Magento, Shopify, and WooCommerce or via APIs to implement a custom checkout and post‑purchase reconciliation workflows. Scalapay also provides merchant dashboards to review performance metrics, refunds, disputes, and settlement reports.

Scalapay pricing

Scalapay offers these pricing plans:

• Free Plan: €0 for shoppers; no interest fees applied to qualifying consumer instalments
• Starter: ~3–6% + €0.10–€0.50 per transaction merchant fee (common range for standard merchant accounts)
• Professional: custom percentage and per‑transaction fee with volume discounts and faster settlement for higher‑volume merchants
• Enterprise: custom negotiated pricing with SLA, dedicated support, advanced reconciliation, and custom integration options

Merchant pricing typically consists of a percentage of the transaction plus a small fixed fee per order; exact rates depend on merchant volume, vertical, country, and contract terms. Many merchants see a tiered structure where higher monthly GMV reduces the percentage fee and offers shorter settlement windows.

For shoppers Scalapay’s consumer offering is effectively €0 in upfront subscription or interest for qualifying instalments; the consumer cost is the purchase amount split across payments according to the schedule shown at checkout. Check Scalapay’s current merchant and consumer pricing information on Scalapay’s merchant pricing and support pages at https://www.scalapay.com/merchants and developer documentation at https://developers.scalapay.com/ for the latest rates and negotiated enterprise options.

How much is scalapay.com per month

Scalapay starts at €0/month for shoppers who use the consumer instalment option — there is no monthly consumer subscription fee for standard instalment plans. For merchants there is not typically a per‑month consumer fee; merchant costs are transaction based and vary by contract.

Merchants considering a managed or enterprise implementation may encounter a monthly platform fee or onboarding cost in bespoke contracts; these are negotiated as part of Professional or Enterprise packages.

To understand expected monthly costs for your store, review Scalapay’s merchant onboarding guidelines and request a merchant quote at https://www.scalapay.com/merchants.

How much is scalapay.com per year

Scalapay costs €0/year for consumers on standard instalment plans because interest and subscription aren’t charged to shoppers on qualifying offers. Merchant annual costs depend on transaction volume and fee structure — typically a percentage of processed volume and fixed fees that sum to a predictable annual cost depending on sales.

Large merchants often receive annualized pricing proposals that reduce percentage fees in exchange for stable volume commitments under Professional or Enterprise agreements. For the most accurate yearly estimate, request a tailored merchant proposal through Scalapay’s sales channels at https://www.scalapay.com/merchants.

How much is scalapay.com in general

Scalapay pricing ranges from €0 for shoppers to merchant fees in the low single digits percentage plus a small fixed fee per transaction. The consumer experience is typically free and interest‑free for qualifying instalments; merchant pricing is transaction‑based and varies by market, vertical, and negotiated volume discounts.

Expect merchant effective rates commonly in the 3–6% range depending on size and geography, with Enterprise customers receiving bespoke pricing and settlement terms. Always consult Scalapay’s merchant resources or sales team for up‑to‑date commercial terms: https://www.scalapay.com/merchants.

What is scalapay.com used for

Scalapay is used to provide installment financing at checkout for online retailers and to offer shoppers a way to split payments into short‑term, interest‑free instalments. Retailers use Scalapay to increase conversion, reduce cart abandonment, and encourage higher average order values without taking on the full credit risk of instalments.

Common use cases include fashion and apparel, electronics, home goods, beauty and wellness, sports equipment, and travel bookings where customers are sensitive to purchase price and may convert more readily with instalment options. Merchants also use Scalapay for targeted promotions, pay‑over‑time campaigns, and integrated marketing that highlights instalment availability.

Operationally Scalapay is used for checkout integration (hosted or embedded), order reconciliation (merchant dashboard and API reporting), chargeback and dispute management, and analytics to measure uplift in conversion and revenue per visitor. It also serves finance teams that need settlement reporting and accounting exports compatible with back‑office ERP systems.

Pros and cons of scalapay.com

Pros:

• Scalapay increases checkout choice and can raise conversion and average order value by offering customers a short‑term instalment option. Merchants often report measurable uplift after adding BNPL options.
• The platform handles credit decisioning, fraud screening, and customer payment collection, reducing merchant exposure to consumer default risk in most agreements.
• Multiple integration paths (plugins, hosted checkout, APIs) make Scalapay adaptable to both small stores and large commerce platforms. Developer tools and webhooks support automated fulfillment and reconciliation.

Cons:

• Merchant fees are higher than standard card processing, which can compress margins on low‑margin categories unless increased conversion or AOV compensates for the cost.
• BNPL can encourage higher prices and more frequent returns, adding complexity to merchant operations; refunds and return flows require careful handling to align Scalapay settlement and merchant liabilities.
• Availability and regulation vary by market; some countries impose consumer credit rules that affect BNPL product terms, and merchant eligibility may depend on vertical or compliance checks.

Operational considerations include integration complexity (for custom checkouts), reconciliation cadence (settlement timing and payout schedules), and customer support handoffs between merchant and Scalapay for instalment queries and disputes.

Scalapay free trial

Scalapay does not typically offer a consumer‑style free trial because shoppers use the instalment option at checkout with no subscription. For merchants there is an onboarding process that includes sandbox and staging integrations for developers, allowing test transactions and end‑to‑end verification before going live.

Developers and merchant operations teams can integrate in a sandbox environment — this provides the ability to test hosted pages, webhooks, API calls, and reconciliation flows without processing live funds. The sandbox is effectively a free trial environment to validate technical integration and UX prior to production rollout.

For commercial pilots some merchants negotiate limited pilot programs or A/B tests with Scalapay to measure conversion and AOV impact on a subset of traffic. To arrange a pilot or access developer sandbox credentials, contact Scalapay through their merchant site at https://www.scalapay.com/merchants.

Is scalapay.com free

Yes, Scalapay is free for consumers to use at checkout for qualifying instalments — shoppers do not pay a subscription fee to split payments under the standard BNPL offering. Merchant usage is not free; costs are transaction‑based and determined by negotiated fee schedules.

Merchants can use the Scalapay sandbox and developer resources at no charge to integrate and test before processing live payments. Production contracts for merchants include fees structured around percentage and fixed components that vary by volume and region.

Scalapay API

Scalapay provides APIs and webhooks for checkout integration, order creation, payment status updates, refunds, and settlement reporting. The APIs support creating payment sessions, redirecting or embedding the Scalapay checkout, retrieving transaction and payout reports, and subscribing to webhooks for payment status changes and disputes.

Developer features usually include sandbox credentials for testing, SDKs or example code for major server languages, and sample plugins for ecommerce platforms. The API makes it possible to automate order capture/fulfillment when a payment is authorized, handle partial refunds and returns in coordination with Scalapay settlement, and reconcile orders against merchant accounting systems.

Typical integration steps are: obtain merchant API keys, create a checkout session with order and shopper details, redirect or render the Scalapay payment component, listen for webhook notifications on payment confirmation or chargebacks, and query API endpoints for settlements and reports. For technical reference and endpoint details, consult Scalapay’s developer documentation at https://developers.scalapay.com/.

10 Scalapay alternatives

Paid alternatives to Scalapay

• Klarna — A major BNPL provider offering Pay in 3, Pay in 30, and longer financing options with a broad merchant network and multiple integration methods. Klarna provides marketing tools, consumer app features, and a merchant dashboard.

• Afterpay — Popular in ANZ and the US, Afterpay offers instalments and merchant services with a strong retail footprint and prebuilt integrations with major e‑commerce platforms.

• Affirm — Focuses on point‑of‑sale financing with flexible loan terms including longer durations; Affirm often targets higher‑ticket purchases with upfront pricing transparency.

• PayPal Pay Later — PayPal’s BNPL offering integrates into the PayPal checkout ecosystem, providing consumer financing that leverages PayPal’s existing user base and risk infrastructure.

• Zip (formerly Quadpay) — Offers small instalments with merchant integrations and a consumer app; Zip focuses on micro‑instalment flows across retail categories.

• Sezzle — BNPL provider that emphasizes responsible payments in the US and Canada, offering merchants alternative checkout choices and integration SDKs.

• Clearpay — The regional branding of Afterpay in Europe, providing BNPL services tailored to European merchant and regulatory environments.

Open source alternatives to Scalapay

• PretendPay (example self‑hosted reference) — Self‑hosted sample projects that demonstrate how to build an instalment checkout flow; open source projects are typically not production‑grade but useful for prototyping payment orchestration.

• Solidus with payment orchestration — The open source Solidus commerce platform can be extended with custom payment orchestration logic to implement instalment flows using third‑party payment processors; requires development effort and integration with credit/collections partners.

• Saleor with custom payment adapters — Saleor’s headless commerce architecture allows teams to create custom payment adapters and workflows that emulate BNPL behaviour when paired with a third‑party credit provider; again requires substantial engineering and compliance work.

Open source solutions typically require merchants to source or build credit underwriting, fraud controls, and collections services — the core value prop of commercial BNPL providers like Scalapay.

Frequently asked questions about Scalapay

What is Scalapay used for?

Scalapay is used for offering interest‑free, short‑term instalments to shoppers and for allowing merchants to provide BNPL at checkout. Merchants use it to increase conversion and average order value, while customers use it to spread payments without standard credit card interest when qualifying instalments are available.

Does Scalapay charge shoppers interest?

No, Scalapay’s standard instalment plans are interest‑free for qualifying shoppers. Consumers see a clear instalment schedule at checkout and pay in the agreed instalments; merchant fees cover Scalapay’s service costs rather than charging shoppers interest on qualifying plans.

How does Scalapay make money?

Scalapay charges merchants transaction fees that typically include a percentage of the order and a fixed per‑transaction fee. These fees compensate Scalapay for underwriting, settlement, fraud protection, and customer collections services while enabling the consumer to use instalments without paying interest.

Is Scalapay available worldwide?

Scalapay operates in multiple markets, primarily across parts of Europe and Asia Pacific, but availability depends on country and local regulations. Merchants should confirm market support and product terms for their country via Scalapay’s merchant pages or sales team.

Can I integrate Scalapay with Shopify?

Yes, Scalapay offers prebuilt integrations and plugins for major e‑commerce platforms like Shopify. Merchants can install a plugin, configure merchant credentials, and test in a sandbox before going live; custom integrations are also supported via APIs.

How does settlement work for merchants?

Scalapay typically settles merchant funds according to the contracted cadence less any agreed fees. Settlement timing and reconciliation details are provided in the merchant dashboard and via reporting APIs; enterprise contracts can include faster or customized settlement terms.

Does Scalapay support refunds and returns?

Yes, Scalapay supports refunds and return workflows but these must be coordinated to align instalment schedules and settlement reconciliation. Refund handling can affect what the customer owes on remaining instalments and how merchants are credited; merchants should implement the recommended refund API flows and test in sandbox.

What merchant data and reporting does Scalapay provide?

Scalapay provides transaction reports, settlement reports, chargeback and dispute logs, and performance dashboards. These reports are accessible via the merchant dashboard and can be exported or pulled through APIs for accounting and reconciliation purposes.

Is Scalapay secure and compliant?

Yes, Scalapay implements standard e‑commerce security practices and compliance measures appropriate to payment processing, including encrypted data transmission and regional regulatory compliance. Specific certifications and compliance guarantees depend on region and plan; consult Scalapay’s security and legal pages for details applicable to your country.

How do I sign up as a merchant?

Merchants sign up through Scalapay’s merchant onboarding process, which includes application, verification, and integration steps. The process typically involves providing business details, agreeing commercial terms, and completing technical integration in a sandbox before going live; start the process via Scalapay’s merchant sign‑up pages at https://www.scalapay.com/merchants.

scalapay.com careers

Scalapay recruits across product, engineering, sales, risk, compliance, and customer success roles typically found at fintech scaleups. Career pages list open positions, benefits, and hiring processes. Candidates can expect roles that require experience in payments, regulatory compliance, and international expansion.

For the most current open positions and hiring requirements see Scalapay’s careers or LinkedIn pages at https://www.scalapay.com/.

scalapay.com affiliate

Scalapay works through merchant partnerships and may offer affiliate or partner programs for certain markets or large referral partners. Affiliate or partner arrangements are typically commercial agreements that include revenue share, referral fees, or joint marketing programs for driving merchant adoption.

To inquire about affiliate or partnership opportunities, contact Scalapay’s commercial team through the partner pages on their site: https://www.scalapay.com/merchants.

Where to find scalapay.com reviews

Independent reviews of Scalapay can be found on e‑commerce and payments industry sites, merchant forums, and review platforms such as Trustpilot and G2. Merchant case studies on Scalapay’s website and ecommerce platform partners often include performance metrics and qualitative feedback.

Search for merchant reviews and case studies by combining the merchant category plus Scalapay (for example, “Scalapay fashion merchant case study”) or check consumer feedback platforms for shopper experiences with instalments and checkout flows.