About
Scalapay is a BNPL checkout from Milan-based Scalapay S.r.l., founded in 2019. Shoppers pick it at a partner store's checkout and, once Scalapay approves the purchase, pay in 3 interest-free monthly instalments, the first at purchase; a 4-instalment option carries a small service fee. Scalapay pays the merchant in full upfront; under its 2023 Italian terms the receivables go to Incremento SPV, a securitisation vehicle, a 14-day pay-later option is offered and late fees are capped. It works in Italy, France, Germany, Spain, Portugal, Austria, Belgium, the Netherlands and Finland, and in stores via virtual cards or a barcode.
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