Scalapay

Scalapay

BNPL payments for online retailers

Overview

Scalapay provides a buy now, pay later (BNPL) service for online shoppers. It lets customers split purchases into multiple interest-free installments, while merchants pay a transaction fee. The product works by integrating with online stores through plugins and APIs; at checkout, shoppers select Scalapay, pay over time, and merchants receive payment upfront with Scalapay handling the repayment from the customer. Scalapay differentiates itself with a merchant-focused model that promises zero risk for retailers, quick setup, and documented integration. It reports that offering Scalapay increases average order value and conversion rates, helping merchants boost sales and customer loyalty. The company’s goal is to help online retailers grow revenue and retain customers by providing a simple, seamless payment option that expands checkout conversions.

About Scalapay

Simplify's Rating
Why Scalapay is rated
C+
Rated C on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Fintech

Financial Services

Company Size

201-500

Company Stage

Series B

Total Funding

$723M

Headquarters

Dublin, Ireland

Founded

2019

Get referred to Scalapay

See people who can refer or advise you

Simplify Jobs

Simplify's Take

What believers are saying

  • In December 2025, EIB provided Scalapay €70 million debt financing.
  • PPRO and Scalapay expanded BNPL access across France, Belgium, Spain, Portugal, Italy.
  • Scalapay's 2026 partner ecosystem includes Shopify, BigCommerce, Adyen, and Stripe.

What critics are saying

  • Trustfull partnership in 2025 exposes persistent first-payment-default and synthetic-identity fraud pressure.
  • BNPL rivals and PSPs like Adyen, Stripe, and PPRO can commoditize Scalapay distribution.
  • If defaults rise faster than funding, lenders and securitization partners will cut exposure.

What makes Scalapay unique

  • Scalapay combines BNPL distribution with merchants, PSPs, and platforms like Shopify and Stripe.
  • Its Southern Europe focus gives localized underwriting, payments integrations, and merchant relationships.
  • Bank of Italy supervision and EU partnerships signal regulated infrastructure, not a pure coupon app.

Help us improve and share your feedback! Did you find this helpful?

Funding

Total Funding

$723M

Above

Industry Average

Funded Over

5 Rounds

Notable Investors:
Series B funding is typically for startups that have proven their business model and need more funding to expand rapidly—often by entering new markets or adding more products. Investors are usually venture capital firms that specialize in later-stage investments.
Series B Funding Comparison
Below Average

Industry standards

$35M
$30M
Patreon
$45M
Linktree
$65M
Substack
$100M
ClickUp

Benefits

Hybrid Work Options

Company Equity

Professional Development Budget

Growth & Insights and Company News

Headcount

6 month growth

↑ 3%

1 year growth

↑ 2%

2 year growth

↑ 1%
BayPay Forum
Oct 2nd, 2026
Scalapay partners with AliExpress on instalment payments in Europe.

Scalapay partners with AliExpress on instalment payments in Europe. Scalapay has partnered with AliExpress to let shoppers in Italy, France, Spain, and Portugal pay in three or four instalments. Scalapay has partnered with AliExpress to let shoppers in Italy, France, Spain, and Portugal pay in three or four instalments. AliExpress operates as a global online marketplace that connects millions of shoppers with a broad product catalogue. Its range spans electronics, fashion, home goods, and beauty, among other categories. In announcing the partnership, Scalapay pointed to the marketplace's scale, competitive offering, and reach across international markets as the platform's defining characteristics, noting that it has become a widely used destination for online shopping worldwide. The payment structure offers shoppers a choice between two plans. Customers can split a purchase into either three or four instalments, giving them some control over how the total amount is distributed over time. The integration places an instalment payment method within a marketplace that serves consumers across multiple product categories. For AliExpress customers across the four marketplaces, it introduces an alternative to paying the full purchase amount upfront. For Scalapay, the partnership extends its instalment service to purchases made on a cross-category marketplace with international reach. The company framed the integration as a way of adding payment flexibility for shoppers on the AliExpress platform. In February 2026, Scalapay also partnered with fintech company PPRO, expanding its Buy Now Pay Later (BNPL) payments across Southern Europe. BNPL has become an established part of ecommerce payments in Europe. According to Statista, BNPL transaction value in Europe reached EUR 161.7 billion, up from EUR 81.7 billion in 2022. Adoption varies widely by country. Statista places BNPL at 25% of domestic ecommerce payments in Sweden and 19% in both Finland and Norway. PPRO puts Germany at 20%, while the UK and Ireland are at around 5%. PPRO also notes that local providers, including FLOA Pay, Scalapay, and BLIK Pay Later, are taking market share from global players. The reports are showing greater adoption in the Northern part of Europe; thus, Scalapay's 2026 collaborations display rising interest in BNPL options across the Southern region. Market Data Forecast measures market value rather than transaction value. It estimates the European market at EUR 2.73 billion in 2025 and projects EUR 20.67 billion by 2034, a CAGR of 25.2%... Oct 02, 2026 00:00

FF News
Dec 10th, 2024
Scalapay Partners with Trustfull to Strengthen BNPL Fraud Prevention Across Europe

Trustfull, a leader in Identity Intelligence for fraud prevention, is proud to announce a strategic partnership with Scalapay, a premier European buy-now-pay-later (BNPL) provider.

FF News
Dec 10th, 2024
Scalapay Partners With Trustfull To Strengthen Bnpl Fraud Prevention Across Europe

Trustfull, a leader in Identity Intelligence for fraud prevention, is proud to announce a strategic partnership with Scalapay, a premier European buy-now-pay-later (BNPL) provider. The collaboration will strengthen fraud prevention operations across Scalapay’s extensive network of European markets, leveraging Trustfull’s platform to proactively identify fraudsters and prevent first payment defaults.In 2023, the European BNPL market was valued at approximately $147.6 billion and is projected to reach $272.5 billion by 2029 (Source). This rapid market expansion brings an increasing need for robust fraud prevention solutions that can protect against evolving tactics, including synthetic identity fraud. The Trustfull platform addresses these challenges by offering open-source intelligence insights and real-time analysis on user contact details and location, enabling BNPL businesses to accurately differentiate between legitimate customers and high-risk applicants.Founded in 2019 and headquartered in Milan, Scalapay has rapidly become a leading player in the European BNPL market, known for its commitment to financial accessibility and customer convenience. With millions of customers and a growing list of merchant partners, Scalapay offers interest-free instalment payment options, making purchases more accessible while prioritizing customer safety.Trustfull’s Identity Intelligence engine analyzes hundreds of digital signals—such as email addresses, phone numbers, IP addresses, browser and device data—to assess user risk in real time. This empowers fraud teams to detect synthetic identities and prevent fraud while maintaining a seamless user experience.Ana Milena Fernandez, CRO at Scalapay, commented:“With Trustfull’s technology, we are enhancing our proactive fraud prevention controls within our online applications to keep reducing first payment defaults

Displayce
Jan 12th, 2024
Revolutionizing Payment Methods: Ads'up agency teams up with Displayce to amplify awareness for Scalapay

Revolutionizing payment methods: ads'up agency teams up with Displayce to amplify awareness for Scalapay.

PYMNTS
Nov 22nd, 2023
Marqeta And Credi2 Team As Bnpl Demand Grows

Marqeta has teamed with Credi2 to launch an installment payment platform for European banks. The partnership, announced Wednesday (Nov. 22), combines Credi2’s embedded lending platform with Marqeta’s card issuing offering, and comes amid a boom in popularity for installment offerings like buy now, pay later (BNPL). “Launching new payments solutions is incredibly time-consuming and complex, not to mention the stakes are incredibly high when dealing with stringent regulatory requirements and cross-border payments,” Marqeta Chief Revenue Officer Todd Pollak said in a news release

Recently Posted Jobs

Sign up to get curated job recommendations

Scalapay is Hiring for 10 Jobs on Simplify!

Find jobs on Simplify and start your career today

Don't see your dream role? Check out thousands of other roles on Simplify. Browse all jobs →