Scalapay (Italy)

Country: Italy (IT) | Payment Rail: bnpl

BNPL Market Adoption: 45%

Scalapay is Italy's leading BNPL provider offering 3 interest-free installments for online fashion and retail merchants.

🔄 User Payment Flow

Customer selects Scalapay Pay in 3 at checkout
Scalapay performs instant automated credit check
Customer pays first 1/3 installment using credit/debit card
Merchant receives full payout while Scalapay collects remaining 2 installments

⚙️ Characteristics & Settlement

Instant Payment	YES
Supports QR	NO
Supports Recurring	YES
Supports Refund	YES

🛠️ Merchant Integration Steps

Merchant API initializes Scalapay checkout session via PSP (Stripe/Adyen)
PSP opens Scalapay payment iframe/redirect modal
PSP receives authorization webhook and completes order

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Stripe🔌 Adyen