ScalapayC45
BNPL Network · EU-registered online and in-store retailers selling fashion, beauty, travel, home goods, electronics or per…
Overview
For a retailer selling to shoppers in Italy, Scalapay is the pay-later button many of them know, and it also operates in France, Spain, Portugal and Belgium. You are paid the full order value, Scalapay carries non-payment and fraud risk, and plugins cover Shopify, WooCommerce, Magento and PrestaShop, with Stripe as a further route. Its contract terms are published more fully than most BNPL peers': an open-ended agreement you can leave free of charge on 30 days' notice, 60 days' notice of any change, and a published, regulated cap on what it can charge. It earns a B rather than higher because the cap is wide (up to 10% plus €1 an order) and your actual rate only arrives after you register, because the merchant help centre gives two different payout timelines, and because Scalapay is a euro-only, EU-only service.
Best for: EU-registered online and in-store retailers selling fashion, beauty, travel, home goods, electronics or personal services to shoppers in Italy, France, Spain, Portugal or Belgium, with order values high enough to absorb a pay-later fee.
Strengths
- + A published, regulated fee cap: Scalapay IP's merchant information sheet limits the fee to 10% of the order plus €1.00 per transaction, which most BNPL providers do not publish at all
- + Merchant-friendly exit terms: no fixed term, free withdrawal on 30 days' notice, and 60 days' notice before Scalapay can change the agreement
- + You are paid the full order value, and Scalapay carries non-payment and fraud risk on approved orders
- + Regulated by the Bank of Italy through Scalapay IP, with a formal complaints route and access to the Italian banking ombudsman (ABF) for merchants
- + Strong in Southern Europe, reporting more than 13 million users and over 12,000 brand partners in July 2026, and a 4.8 Trustpilot score from over 145,000 reviews by shoppers, not merchants (September 2026)
- + Covers online, in store (QR code or virtual card on your existing terminal) and Pay by Link, with plugins for Shopify, WooCommerce, Magento and PrestaShop and availability through Stripe
Trade-offs
- – Your actual rate is not published: Scalapay sends pricing only after you register, and the cap it must disclose (10% + €1.00) is high
- – Euro only and limited to businesses registered in the EU countries it lists, so it is not a fit for US merchants or multi-currency sellers
- – Unclear payout timing: the English help centre says daily transfers that arrive in about 5 business days, while the Italian page says transfers within 5 business days of each order and funds in about 7
- – Scalapay can hold back payouts as a reserve or ask for a security deposit if you breach the agreement, and the full Activation Agreement is not public
- – Stale and inconsistent public figures: its Italian merchant page still cites 8,000 stores and 5,000 brand partners, against the 12,000 it announced in July 2026
Fees in detail
- Online rate: Up to 10% + €1.00 per order (published cap)
- International: Scalapay only processes payments in euros. Its Italian merchant help centre says businesses with a registered office in 16 countries can act
- Contract: Indefinite; 30 days' notice to exit
Standard published rate for a domestic online card payment. Confirm current pricing on Scalapay's pricing page.
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