Scalapay

Scalapay is a fintech company that specializes in buy-now-pay-later (BNPL) services. Founded in 2019 and headquartered in Milan, Italy, Scalapay operates in several European countries, including Italy, France, and Germany. The company offers a flexible payment solution that allows customers to make purchases and pay in three interest-free installments, enabling them to receive their orders immediately while spreading the cost over time. Scalapay partners with over 8,000 brands to provide its BNPL service at checkout. When customers choose Scalapay, the company pays the merchant upfront and assumes the credit risk, allowing customers to repay in three equal installments. This model benefits both customers and merchants by increasing purchasing power and boosting sales. Scalapay generates revenue primarily through merchant fees, which are a fixed percentage of each transaction processed. The company also utilizes various technology products to ensure a seamless payment experience for users.