Scalapay
European buy now, pay later service that splits online and in-store purchases into three interest-free payments.
Updated · AppBreakup editorial · Web, iOS, Android
Is Scalapay free?
Yes, free to use
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About Scalapay
Scalapay is a buy now, pay later service based in Milan and used mainly in Italy and other European countries, including France, Spain, Germany, Portugal, Austria, Belgium, the Netherlands and Finland. Shoppers pick Scalapay at checkout in a partner store, create an account with a debit or credit card, receive the order straight away and pay the cost in three monthly instalments without interest. It also works in physical shops: the iOS and Android app generates a barcode that the shopper shows at the till. The app doubles as a shopping directory with offers from partner brands, with a strong lean towards fashion, beauty and travel. For shoppers it is free to use as long as payments are made on time; merchants pay a fee per transaction in exchange for higher basket sizes and taking on the credit risk. It is a regional alternative to Klarna and Clearpay for people shopping with Italian and other European retailers.
Best for: Shoppers in Italy and nearby European countries who want to split purchases into three payments.
Pros and cons
What works
- Three interest-free monthly instalments on eligible purchases
- Works online and in physical shops through the app
- Strong network of Italian fashion and beauty retailers
Why people leave
- Only usable at partner merchants, mostly in Europe
- Missed payments can bring late fees
- Fewer partner stores than Klarna outside Italy
Scalapay vs Klarna, Afterpay and PayPal
From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.
Top Scalapay alternatives
See all 3- 1
Klarna68.8The largest European BNPL service, with pay-in-3 and pay-later options at far more stores across many countries.
- 2
Afterpay64.8Interest-free four-instalment plans, sold as Clearpay in the UK and parts of Europe, with a large retailer network.
- 3
PayPal52.6PayPal's Pay in 3 and Pay in 4 options work at any shop that already accepts PayPal, with no extra account.
Why people left Scalapay
In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.
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Reviews
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Scalapay: common questions
What is Scalapay?
Scalapay: European buy now, pay later service that splits online and in-store purchases into three interest-free payments. Best for shoppers in Italy and nearby European countries who want to split purchases into three payments. Available for Web, iOS and Android.
Is Scalapay free?
Yes, Scalapay is free to use.
Is Scalapay open source?
No, Scalapay is not open source.
What platforms does Scalapay run on?
Scalapay is available for Web, iOS and Android.
What are the best alternatives to Scalapay?
The highest-ranked Scalapay alternatives right now are Klarna, Afterpay and PayPal. See the full ranked list for pricing, platforms and verified facts.
Scalapay vs Klarna: what's the difference?
Both Scalapay and Klarna are free to use. Both run on Web, iOS and Android.