What Scalapay does

Scalapay S.r.l. is an Italian fintech founded in 2019 in Milan by Simone Mancini (CEO) and Johnny Mitrevski (CTO), operating a Buy Now, Pay Later (BNPL) platform that enables consumers to split purchases into interest-free installments. Its core product suite includes Pay in 3 (interest-free three-installment payments), Pay in 4 (four installments with a small fee on the first), and Pay in X (extended six-to-36-month installment financing for higher-ticket items). The platform is delivered through native plugin integrations with 15+ e-commerce platforms (Shopify, WooCommerce, Magento, PrestaShop, Salesforce Commerce Cloud, SAP Hybris, BigCommerce, VTEX, and others) and a public REST API for custom integrations, plus an iOS/Android mobile app enabling in-store barcode payments and a Pay-by-Link SMS feature. Payment processing is anchored by Scalapay IP S.p.A., the group's Bank of Italy-licensed payment institution (A.B.I. 36018), with additional wholly-owned operating subsidiaries in France (Scalapay S.A.S.U.) and Spain (Scalapay S.L.).

Scalapay's revenue model is transaction-fee based: merchants are charged individually negotiated commissions on each transaction, and a small consumer-facing fee is applied on the first installment of the Pay-in-4 product. The company reports serving over 12 million users and 12,000+ brand partners across nine European countries (Italy, France, Germany, Spain, Portugal, Austria, Belgium, Netherlands, Finland), with named enterprise customers spanning fashion (Calzedonia, Twinset, Liu Jo, Stroili), luxury (Tiziana Fausti-Falabella), sports (Nencini Sport, Decathlon), cosmetics (Mulac, Veralab), DIY (Bricobravo), refurbished electronics (Swappie), and travel (Trenitalia, MSC Crociere). Reported merchant outcomes include 48% increase in basket size, 11% improvement in conversion rates, 40% increase in orders (Bricobravo), and 63% repurchase rate within three months.

The company reached unicorn status in February 2022 after raising $497 million in Series B funding led by Tencent and Willoughby Capital, following a $155 million Series A led by Tiger Global (September 2021) and a $27 million Series B extension from Poste Italiane (May 2022). In December 2025, Scalapay secured €70 million in debt financing from the European Investment Bank under the TechEU Scale Up programme, the EIB's first direct financing to an Italian unicorn. Recent strategic moves include the 2023 acquisition of Cabel IP Spa, partnerships with payment aggregator PPRO (2025-2026), Trustfull for AI-powered fraud prevention (2024), and Fourthline for KYC/AML compliance, alongside product launches including the Magic checkout platform (2022), the Scalapay CLUB loyalty program (2024), and The Visionary Exchange community initiative (2026). The team spans five countries with 101-250 employees.

Name

Scalapay

Legal name

Scalapay S.r.l.

Website

https://scalapay.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

101–250 employees

Short description

Scalapay is an Italian fintech founded in 2019 that operates a Buy Now, Pay Later platform offering interest-free installment payments to consumers and checkout conversion tools to over 12,000 merchants across nine European countries.

Ownership category

akta.pro rank

Product category

BNPL Services

NAICS

Sales Financing (522220), Consumer Lending (522291)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Third-Party POS Installment Financing Platforms (FSAKAFAB)

akta.pro secondary industry

International / Cross-Border BNPL & Multi-Currency POS Financing (FSAGAIAN)

Keywords

• Buy now pay later
• Installment payments
• Consumer credit
• E-commerce payments
• Merchant financing

Headquarters

HQ city

Milan

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Transaction Commissions: Scalapay charges merchants a commission fee per transaction processed through its platform. The merchant receives the full order amount minus the agreed commission, credited via bank transfer within up to 7 business days. This is the primary revenue stream.
2. Consumer Installment Fees (4-installment): For the 4-installment payment option, a small fee is applied exclusively to the first installment. The 3-installment option is entirely commission-free for consumers. This creates a secondary revenue stream from consumer-facing products.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Scalapay is an Italian fintech operating a Buy Now, Pay Later (BNPL) platform that lets consumers split online and in-store purchases into interest-free installments (Pay in 3, Pay in 4 with a small first-installment fee, and Pay in X for 6-36 monthly installments). The company serves merchants through e-commerce plugins, a custom API, and an in-store mobile barcode solution, while consumers transact through Scalapay's mobile app and partner checkout widgets. Scalapay assumes fraud and non-payment risk, paying merchants the full order amount (minus a per-transaction commission) and underwriting consumer credit itself.

Product overview

Scalapay is an Italian BNPL (Buy Now, Pay Later) fintech platform offering instalment payment solutions across Southern Europe. The core product portfolio includes Pay in 3 (interest-free three-instalment payments), Pay in 4 (four-instalment option with small first-instalment fee), and Pay in X (flexible 6-36 instalments for higher-value purchases). The platform operates both online (via plugin integrations with 18+ e-commerce platforms and custom API integration) and in-store (via barcode and pay-by-link solutions). Scalapay IP S.p.A., the group's payment institution subsidiary registered with the Bank of Italy, underpins the payment infrastructure. The offering is complemented by Scalapay CLUB, a loyalty and insurance program, and The Visionary Exchange, a community dialogue initiative. The platform serves over 11 million users across Italy, France, Germany, Spain, Portugal, Austria, Belgium, Netherlands, and Finland.

Differentiator

Problem solved

Functional benefit

Brands

• Magic: A new platform launched to enhance the checkout experience for merchants.
• Scalapay CLUB

Products and services

• Pay in 3 Interest-free BNPL solution that splits a purchase into three monthly installments, with zero cost to the consumer.
• Pay in 4

Quantifiable outcome

• 48% increase in basket size for merchants
• +3 more outcomes

Named customers12 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration19 records

AI capability2 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• PPROcoreChannel Partner/ Reseller/ Distributor · 2 February 2026PPRO, a local payments platform, partnered with Scalapay to expand access to BNPL services across Southern Europe including France, Belgium, Spain, Portugal, and Italy. The partnership enables merchants and payment service providers on PPRO's platform to offer Scalapay's three and four-installment payment solutions, documented to increase average order value by 48% and conversion rates by 11%.
• PPRO (Buy Now Pay Local)coreGTM or Marketing Partner · 12 November 2025PPRO launched its Buy Now Pay Local solution featuring Scalapay alongside other local BNPL providers like BNP Paribas Floa and BLIK Pay Later to provide merchants and PSPs access to locally preferred BNPL options across European markets.
• TrustfullcoreTechnology or Integration · 1 December 2024In December 2024, Scalapay announced a partnership with Trustfull to integrate the latter's Identity Intelligence platform into its services across Europe, strengthening fraud prevention measures for merchants and consumers in the BNPL market.

Scale indicators15 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Klarna: Swedish-founded global BNPL leader offering Pay in 3/4 and longer-tenor installment products across 26+ markets. Direct competitor to Scalapay in Europe, with similar merchant-funded economics and a much broader geographic footprint and merchant base.
• Afterpay (Block): Pay-in-4 BNPL pioneer now owned by Block (Square), offering installment payments to global merchants. Comparable business model to Scalapay's Pay-in-3/Pay-in-4 products, with a stronger US/ANZ footprint but growing European push via Square.
• Affirm: US-listed BNPL provider offering Pay-in-4 plus long-tenor installment loans (0–36 months) at the point of sale. Highly comparable to Scalapay's Pay-in-X product range and merchant-funded take-rate model, though Affirm skews toward the US market.
• Alma: France-based BNPL provider offering Pay in 3 and longer-tenor installments for online and in-store merchants across France and other European markets. Most direct European regional competitor to Scalapay's Southern Europe footprint.
• Floa Bank: BNP Paribas subsidiary (notably an investor in Scalapay's 2024 round) offering Pay-in-3 and longer-tenor installment products across France, Italy, Spain, Portugal, and Belgium. Directly competes with Scalapay in Southern Europe, with the backing of a Tier-1 European bank.
• Sezzle: US/Canada-listed BNPL offering Pay-in-4 and longer-tenor 'Pay Anywhere' products with a subscription-based model. Comparable installment products and merchant-funded economics to Scalapay, though focused on North American markets.
• Ratepay: Berlin-based BNPL provider offering Pay-in-3 and invoice-based installment products to DACH e-commerce merchants. Most direct German-market competitor to Scalapay, especially relevant as Scalapay expands into Germany and Austria.

Broad incumbents

• PayPal Pay Later: PayPal's BNPL suite (Pay in 3, Pay in 4, Monthly) embedded in one of the world's largest checkout networks. Competes with Scalapay for merchant mindshare in European e-commerce but offers BNPL as part of a much broader payments/wallet portfolio rather than as a standalone focus.

Emerging players

• Soisy: Italy-focused BNPL and peer-to-peer consumer lender operating in the same domestic market as Scalapay. Smaller scale, but targeted at the same Italian e-commerce merchants, creating direct head-to-head competition for Scalapay's home market.
• Satispay: Italian mobile payments network offering peer-to-peer transfers, bill payments, and merchant checkout. Adjacent rather than directly overlapping with Scalapay's BNPL core, but competes for the same Italian consumer wallet and merchant relationship.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/scalapay
• LinkedInlinkedin.com/company/scalapay
• Instagraminstagram.com/scalapay

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries3 records

Funding overview

Funding rounds8 records

Investors11 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Scalapay